Side-by-side · Q2 2026 data
High Plains Bank vs First Bank and Trust Company
Metric by metric
| Measure | High Plains Bank | First Bank and Trust Company |
|---|---|---|
| TellerScore | 71 | 96 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 68 | 99 (stronger) |
| Earnings | 86 | 93 (stronger) |
| Funding & liquidity | 70 | 81 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 47th | 97th |
| Total assets | $330.2M | $58.2M |
| Deposits / shares | $285.0M | $47.1M |
| Capital ratio | 10.76% | 16.68% (stronger) |
| Problem loans | 0.97% | 0.02% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.66% | 1.83% (stronger) |
| Loans ÷ deposits | 83.8% | 44.5% (stronger) |
| Uninsured deposits | 20.6% (stronger) | 32.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank and Trust Company has the higher TellerScore (96 vs 71). On the 7 directional measures above (where higher or lower is clearly better), High Plains Bank leads on 1 and First Bank and Trust Company on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.