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
Unfavorable gap of $6.7M · efficiency ratio beats 52% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.93% | 1.20% | 1.51% | Beats 13% | 72 / 83 | | |
| Return on Equity | 7.31% | 8.04% | 10.34% | 13.11% | Beats 16% | 70 / 83 | | |
| Net Interest Margin | 2.27% | 3.25% | 3.62% | 4.02% | Beats 1% | 82 / 83 | | |
| Efficiency Ratio | 59.58% | 51.13% | 59.95% | 67.19% | Beats 52% | 41 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.00% | 0.19% | 0.96% | Beats 60% | 34 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 10.94% | 10.94% | 13.24% | 16.62% | Beats 24% | 63 / 83 | | |
| Total Risk-Based Capital Ratio | 10.94% | 11.04% | 13.54% | 17.63% | Beats 23% | 64 / 83 | | |
| Equity / Assets | 10.67% | 9.90% | 11.31% | 13.84% | Beats 40% | 50 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.98% | 71.97% | 83.15% | 92.22% | 8th pctl | 76 / 83 | | |
| Loans / Assets | 46.03% | 57.96% | 69.15% | 77.64% | 10th pctl | 75 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |