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Five Points Bank of Hastings

Hastings, NE · Cert 14312 · Hometown Banc Corp.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Five Points Bank of Hastings

Hastings, NE · Cert 14312 · Hometown Banc Corp.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (18 in holding)

Q2 2026

$551.7MAssets
$254.0MLoans
$488.6MDeposits
$58.9MEquity
Loan mix
83%RE $181.4M16%C&I $35.2M1%Consumer $2.3MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $437.6M10%Noninterest $50.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.80%, up 21 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 0.11% of loans (+11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.94%, up 39 bps from a year ago.
  • Funding: loans stand at 51.98% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.27%+50 bps YoY

Efficiency Ratio (YTD, annualized)

59.58%-1,101 bps YoY

Tier 1 Leverage Ratio

10.94%+39 bps YoY

NIM

3.48%Q2 ’243.70%Q2 ’254.03%Q2 ’26+59%+28%

Non-interest income vs. expense

1.36%Q2 ’241.46%Q2 ’251.52%Q2 ’26+7%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.20%0.59%0.59%0.68%0.64%0.59%0.80%+21 bps
Return on Equity1.10%2.03%5.76%5.72%6.48%6.12%5.42%7.46%+174 bps
Net Interest Margin1.15%1.29%1.75%1.78%1.86%1.92%2.21%2.27%+50 bps
Efficiency Ratio97.20%89.71%69.75%70.58%67.60%69.11%62.74%59.58%-1,101 bps
Non-Interest Burden1.11%1.13%1.14%1.17%1.16%1.24%1.28%1.24%+7 bps
Growth
Asset Growth (YoY)-1.54%0.58%-2.48%-2.44%-2.00%-2.84%3.35%6.40%+884 bps
Loan Growth (YoY)2.44%3.02%0.40%2.96%7.24%4.19%4.73%0.40%-256 bps
Deposit Growth (YoY)-4.72%2.37%2.41%1.52%-2.31%-3.99%2.89%6.27%+475 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.09%0.11%+11 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.11%1.09%1.10%1.08%1.03%1.04%1.05%1.07%-1 bps
Allowance Coverage of NPLs455.0x908.3x908.3x908.3xn/an/a11.8x9.4x-898.9x
Capital
Tier 1 Leverage Ratio9.90%10.01%10.25%10.55%10.82%10.99%10.96%10.94%+39 bps
Total Risk-Based Capital9.90%10.01%10.25%10.55%10.82%10.99%10.96%10.94%+39 bps
Equity / Assets10.03%9.95%10.40%10.59%10.87%10.89%10.69%10.67%+8 bps
Liquidity & Funding
Loans / Deposits55.20%52.32%53.49%55.02%60.60%56.78%54.45%51.98%-304 bps
Liquid Assets / Assets47.13%47.74%47.12%45.35%42.04%44.19%46.66%48.62%+327 bps
CRE / Total Capitaln/an/an/an/a193.61%192.39%192.24%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Five Points Bank of Hastings

Hastings, NE · Cert 14312 · Peer group: banks under $1B in assets in NE (n=83) · Hometown Banc Corp.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (18 in holding)

Q2 2026

$551.7MAssets
$254.0MLoans
$488.6MDeposits
$58.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets in NE (rank 82 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.78%

Rank 72 of 83

Net Interest Margin

2.27%

Rank 82 of 83

Efficiency Ratio

59.58%

Rank 41 of 83

Equity / Assets

10.67%

Rank 50 of 83

Non-interest income vs. expense

$1.5M$8.2MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 52% of banks under $1B in assets in NE
Bank 59.58%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.78%0.93%1.20%1.51%Beats 13%72 / 83
Return on Equity7.31%8.04%10.34%13.11%Beats 16%70 / 83
Net Interest Margin2.27%3.25%3.62%4.02%Beats 1%82 / 83
Efficiency Ratio59.58%51.13%59.95%67.19%Beats 52%41 / 83
Asset Quality
Nonperforming Loans / Loans0.11%0.00%0.19%0.96%Beats 60%34 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio10.94%10.94%13.24%16.62%Beats 24%63 / 83
Total Risk-Based Capital Ratio10.94%11.04%13.54%17.63%Beats 23%64 / 83
Equity / Assets10.67%9.90%11.31%13.84%Beats 40%50 / 83
Liquidity & Funding
Loans / Deposits51.98%71.97%83.15%92.22%8th pctl76 / 83
Loans / Assets46.03%57.96%69.15%77.64%10th pctl75 / 83
Brokered Deposits / Depositsn/aNot reported for this institution