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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 1.01%, up 42 bps year over year; NIM at 2.39%.
  • 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 (quarter, annualized)

1.01%+42 bps YoY

Net Interest Margin (quarter, annualized)

2.39%+61 bps YoY

Efficiency Ratio (quarter, annualized)

56.70%-1,470 bps YoY

Tier 1 Leverage Ratio

10.94%+39 bps YoY

NIM

3.53%Q2 ’243.72%Q2 ’254.23%Q2 ’26+55%+34%

Non-interest income vs. expense

1.34%Q2 ’241.48%Q2 ’251.52%Q2 ’26+11%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.48%0.59%0.60%0.86%0.55%0.59%1.01%+42 bps
Return on Equity0.71%4.81%5.76%5.69%7.97%5.05%5.42%9.48%+379 bps
Net Interest Margin1.22%1.70%1.75%1.78%2.01%2.07%2.21%2.39%+61 bps
Efficiency Ratio95.23%73.24%69.75%71.40%62.24%73.36%62.74%56.70%-1,470 bps
Non-Interest Burden1.15%1.18%1.14%1.19%1.14%1.46%1.28%1.23%+4 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 / Loans0.01%0.01%0.00%0.00%0.01%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