High Plains Bank

What High Plains Bank does

High Plains Bank is a family- and employee-owned community bank chartered in Colorado, operating under FDIC-insured status (NMLS #411681) and tracing its origin to 1908 when the Flagler State Bank was founded; the Creighton family has owned the institution since 1961 and rebranded it High Plains Bank in 2003. The bank operates 9 physical branches across Colorado (Bennett, Flagler, Hugo, Keenesburg, Leadville, Limon, two Longmont locations, and Wiggins), complemented by the HPBGO digital banking platform that supports online and mobile account access, remote check deposit, Zelle-based person-to-person payments, and a SmartPay business payment portal, plus a dedicated contact center (1-800-984-0010).

The product portfolio spans three business units: Individual/Personal Banking (free checking, high-yield savings, CDs, HSAs, mortgages, consumer loans, credit-builder, and citizenship loans), Business Banking (free business checking, commercial and industrial lending, agricultural lending, SBA loans, commercial real estate, cash management, and merchant services), and Trust, Estate and Investment Services (corporate fiduciary, estate administration, and investment management, operated from 385 Main Street in Downtown Longmont). The bank also wholly owns Craft Financial Group (established 2023) and, effective April 22, 2026, merged with First National Bank of Hugo, adding three Eastern Colorado branches and integrating customers onto HPBGO systems in August 2026.

Revenue is generated through a bank-model structure: recurring net interest income from a diversified loan book (consumer, mortgage, commercial, agricultural, SBA, CRE) funded by deposit franchises (checking, savings, MMDA, CDs); fee-based revenue from merchant card processing; and professional-fee revenue from the trust and investment services fiduciary line. Distribution is sales-led and relationship-driven, executed via branch presence, digital self-serve channels, and bilingual (English/Spanish) community engagement, with marketing primarily through the website, Facebook and LinkedIn, and an in-house financial education platform (HPBU).

Name

High Plains Bank

Legal name

High Plains Bank

Website

https://hpbgo.com

Company type

Private

Founded year

1908

Operating status

Operating

Headcount range

51–100 employees

Short description

High Plains Bank is a family- and employee-owned Colorado community bank operating 9 branches plus the HPBGO digital platform, serving individuals, small businesses, agricultural borrowers, and commercial clients with deposit, lending, SBA, merchant, and trust/estate services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABAKAE

Agricultural & Rural Development Banks

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Development & Public Sector Banking (DFIs, Postal/Savings Banks)

Keywords

• Community banking
• Retail banking
• Agricultural lending
• Commercial lending
• Consumer lending

Headquarters

HQ city

Flagler

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Interest Income: Revenue generated from lending activities including consumer loans, mortgages, commercial and industrial loans, agricultural loans, SBA loans, and commercial real estate financing
2. Deposit Services: Fees and interest spread from checking, savings, money market, and certificate of deposit accounts for both personal and business customers
3. Trust and Investment Services: Fiduciary services including trust administration, estate planning, and investment management through dedicated Trust, Estate, and Investment department
4. Merchant Services: Payment processing services for business customers including card processing solutions

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

High Plains Bank is a family and employee-owned community bank providing personal and business banking products through 9 Colorado branch locations and the HPBGO digital banking platform. Its offerings span deposit accounts (checking, savings, CDs, HSAs), consumer lending (mortgages, auto, credit builder, citizenship loans), commercial and agricultural lending, SBA loans, merchant services, and corporate trust, estate, and investment services.

Product overview

High Plains Bank operates as a community bank offering a comprehensive suite of banking products through both traditional branch services and its HPBGO Digital Banking platform. The product portfolio includes personal banking (checking, savings, CDs, HSAs), business banking (commercial checking, agricultural lending, SBA loans, merchant services), consumer lending (mortgages, auto loans, credit builder, citizenship loans), and trust/estate/investment services. The bank positions itself around 'craft banking' with personalized service across multiple Colorado communities.

Differentiator

Problem solved

Functional benefit

Products and services

• HPBGO Digital Banking Online and mobile banking platform offering account access, check deposits via smartphone, person-to-person payments, and business cash management tools for personal and business customers.
• Free Checking Account

Quantifiable outcome

• Customers served across Colorado communities for over 100 years

Named customers4 records

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• First National Bank of HugocoreOthers · 22 April 2026High Plains Bank completed acquisition of First National Bank of Hugo (FNB Hugo) on April 22, 2026. This merger expands High Plains Bank's presence into Eastern Colorado communities of Hugo, Limon, and Leadville. FNB Hugo customers transitioned to High Plains Bank systems over the weekend of August 7-10, 2026, gaining access to HPBGO mobile app, person-to-person pay services, debit cards, and checks. The bank CEO John Creighton noted the family ownership group's roots in Flagler dating to grandparents arriving in Colorado in 1919.

Scale indicators3 records

Recent moves10 records

Expansion highlights6 records

Broad incumbents

• Glacier Bancorp: Public community bank holding company operating a network of community banks across the Western U.S. Comparable as a multi-state community banking consolidator, though materially larger and more diversified geographically than HPB.

Direct peers

• Elevations Credit Union: Boulder, Colorado credit union serving Northern Colorado with consumer, mortgage, and business banking. Comparable on geographic overlap with HPB's Longmont/Boulder-area branches and similar community-focused banking model.
• Westerra Credit Union: Denver-area Colorado credit union offering consumer, mortgage, and business banking. Comparable as a Colorado retail/community financial institution competing for similar deposit and loan relationships.
• First Western Financial: Colorado-based community bank holding company providing commercial, mortgage, and wealth management services. Comparable in Colorado focus, relationship banking approach, and inclusion of trust/wealth services alongside traditional banking.
• Ent Credit Union: Colorado Springs-based credit union with a statewide Colorado presence, offering consumer, mortgage, business, and wealth services. Comparable in product breadth and Colorado retail/community financial services market.
• Bellco Credit Union: Colorado credit union offering personal banking, business banking, mortgages, and investment services. Comparable as a Colorado-based retail financial institution competing for the same consumer and small business deposit/lending relationships.
• FirstBank (Lakewood): Family-owned Colorado community bank offering personal, business, mortgage, and wealth services with a multi-branch Colorado presence. Highly comparable on business model and ownership philosophy.
• Alpine Bank: Family-owned Colorado community bank with a similar full-service product suite (personal, business, mortgage, trust) and a multi-branch Colorado footprint. Closest analog to HPB in ownership structure, geographic focus, and 'craft/community' banking positioning.
• Flatirons Bank: Boulder, Colorado community bank providing personal, business, and mortgage lending to a similar Northern Colorado customer base. Comparable in scale, geographic market overlap (Boulder/Longmont corridor), and community bank positioning.

Regional players

• TBK Bank: Texas-based community bank with personal, business, and mortgage lending. Comparable as a community bank with branch and digital distribution, but operates in a different geography and is a less direct geographic peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/HighPlainsBank
• LinkedInlinkedin.com/company/high-plains-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about High Plains Bank