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Five Points Bank

Grand Island, NE · Cert 20488 · Hometown Banc Corp.

State charter, Fed member · FED · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

95

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

69

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

Grand Island, NE · Cert 20488 · Hometown Banc Corp.

State charter, Fed member · FED · 1 affiliate bank · 16 branches (18 in holding)

Q2 2026

$2.2BAssets
$1.4BLoans
$2.0BDeposits
$165.3MEquity
Loan mix
73%RE $905.4M26%C&I $320.7M1%Consumer $8.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.7B18%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.69%Q2 ’244.69%Q2 ’254.74%Q2 ’26+17%+9%

Non-interest income vs. expense

1.61%Q2 ’241.56%Q2 ’251.79%Q2 ’26-5%+20%

Market Position · Grand Island, NE · 2026 SOD (annual) · 28.3% share · #1 of 22 inst. · $1.0B of $3.6B

32.5% Hall
1.1% Douglas
13.1% Buffalo
5.9% Sarpy

Executive Summary

  • Earnings: ROA of 1.16%, down 9 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.01% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.30%, up 42 bps from a year ago.
  • Funding: loans stand at 68.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+23 bps YoY

Efficiency Ratio (YTD, annualized)

54.00%+311 bps YoY

Tier 1 Leverage Ratio

10.30%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.23%1.18%1.20%1.16%-9 bps
Return on Equity19.17%18.39%17.34%16.25%15.70%-347 bps
Net Interest Margin2.63%2.70%2.71%2.85%2.86%+23 bps
Efficiency Ratio50.89%51.56%53.84%52.28%54.00%+311 bps
Non-Interest Burden1.12%1.18%1.26%1.27%1.34%+22 bps
Growth
Asset Growth (YoY)1.89%3.39%2.48%0.48%7.51%+562 bps
Loan Growth (YoY)7.16%7.17%7.54%6.22%11.23%+407 bps
Deposit Growth (YoY)6.54%2.58%1.48%-0.29%7.31%+77 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.02%0.01%-1 bps
Net Charge-Offs / Loans-0.24%-0.16%-0.12%0.00%0.00%+25 bps
Allowance / Loans1.46%1.46%1.46%1.46%1.40%-6 bps
Allowance Coverage of NPLs79.0x367.9x450.4x79.1x198.2x+119.2x
Capital
Tier 1 Leverage Ratio9.87%10.24%10.23%10.54%10.30%+42 bps
Total Risk-Based Capital14.87%14.87%15.00%15.27%14.68%-20 bps
Equity / Assets6.72%7.16%7.20%7.61%7.37%+65 bps
Liquidity & Funding
Loans / Deposits66.39%68.24%66.05%68.40%68.82%+243 bps
Liquid Assets / Assets27.41%26.12%27.45%26.14%26.11%-130 bps
CRE / Total Capitaln/a270%265%270%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

Grand Island, NE · Cert 20488 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Hometown Banc Corp.

State charter, Fed member · FED · 1 affiliate bank · 16 branches (18 in holding)

Q2 2026

$2.2BAssets
$1.4BLoans
$2.0BDeposits
$165.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 7 of 258).
  • Widest gap: equity / assets trails 95% of banks $1B-$10B in assets operating in a single state (rank 245 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.12%

Rank 149 of 258

Net Interest Margin

2.86%

Rank 221 of 258

Efficiency Ratio

54.00%

Rank 81 of 257

Equity / Assets

7.37%

Rank 245 of 258

Non-interest income vs. expense

$9.8M$39.2MINCOMEEXPENSE
Unfavorable gap of $29.4M · efficiency ratio beats 69% of banks $1B-$10B in assets operating in a single state
Bank 54.00%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.93%1.23%1.54%Beats 42%149 / 258
Return on Equity15.19%9.26%11.84%14.74%Beats 77%59 / 258
Net Interest Margin2.86%3.16%3.49%3.88%Beats 14%221 / 258
Efficiency Ratio54.00%51.71%60.30%69.65%Beats 69%81 / 257
Asset Quality
Nonperforming Loans / Loans0.01%0.19%0.46%0.90%Beats 98%7 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 92%21 / 258
Capital
Tier 1 Capital Ratio13.48%11.41%12.98%15.12%Beats 56%113 / 258
Total Risk-Based Capital Ratio14.68%12.10%13.91%16.08%Beats 60%104 / 258
Equity / Assets7.37%9.09%10.24%11.72%Beats 5%245 / 258
Liquidity & Funding
Loans / Deposits68.82%73.24%86.34%95.95%18th pctl212 / 258
Loans / Assets62.69%63.01%72.27%78.40%24th pctl196 / 258
Brokered Deposits / Depositsn/aNot reported for this institution