Bank · FDIC insured
High Plains Bank
A $643.1M bank headquartered in Flagler, CO, with 8 branches in Colorado. Best rates: CDs 3.70% and savings 0.45% APY.
High Plains Bank Carrot Score
68
Carrot Score
Higher than 20% of U.S. banks and credit unions
#47 of 64 in Denver, CO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About High Plains Bank
Founded in 1908 as Flagler State Bank in Colorado, High Plains Bank is an independent, family-run and employee-owned community bank.
The institution became The First National Bank of Flagler in 1920 and adopted the High Plains Bank name in 2003, later expanding branch locations across Colorado.
- Headquarters
- 329 Main Ave, Flagler, CO 80815
- FDIC certificate
- 3017 ↗
Branches
8 branches in Colorado
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Colorado
8 branches
Flagler area · 1
- High Plains BankMain office329 Main Ave, Flagler, CO 80815Directions
Denver area · 1
- Bennett Branch235 S Ash St, Bennett, CO 80102Directions
Hugo area · 1
- First National Bank Of Hugo Branch321 4th St, Hugo, CO 80821Directions
Greeley area · 1
- Keenesburg Branch370 Veterans Way, Keenesburg, CO 80643Directions
Breckenridge area · 1
- First Mountain Bank Branch409 Harrison Ave, Leadville, CO 80461Directions
Limon area · 1
- Limon Branch981 2nd Street, Limon, CO 80828Directions
Boulder area · 1
- Longmont Branch600 Kimbark St, Longmont, CO 80501Directions
Fort Morgan area · 1
- Wiggins Branch401 Central Ave, Wiggins, CO 80654Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.60% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.70% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.22% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio9.60%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.70%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.22%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of High Plains Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.