Five Points Bank
Grand Island, NE · Cert 20488 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 267).
- Widest gap: equity / assets trails 96% of banks $1B-$10B in assets operating in a single state (rank 255 of 267).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.12%
Rank 157 of 267
Net Interest Margin
2.86%
Rank 227 of 267
Efficiency Ratio
54.00%
Rank 86 of 266
Equity / Assets
7.37%
Rank 255 of 267
Non-interest income vs. expense
Unfavorable gap of $29.4M · efficiency ratio beats 68% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.93% | 1.23% | 1.55% | Beats 41% | 157 / 267 | |
| Return on Equity | 15.19% | 9.16% | 11.84% | 14.56% | Beats 78% | 58 / 267 | |
| Net Interest Margin | 2.86% | 3.12% | 3.50% | 3.88% | Beats 15% | 227 / 267 | |
| Efficiency Ratio | 54.00% | 51.36% | 60.21% | 69.66% | Beats 68% | 86 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.19% | 0.46% | 0.89% | Beats 98% | 7 / 267 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 94% | 18 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 13.48% | 11.29% | 13.05% | 15.13% | Beats 56% | 117 / 267 | |
| Total Risk-Based Capital Ratio | 14.68% | 11.95% | 13.87% | 16.27% | Beats 60% | 108 / 267 | |
| Equity / Assets | 7.37% | 9.18% | 10.29% | 11.76% | Beats 4% | 255 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 68.82% | 72.68% | 86.16% | 95.22% | 18th pctl | 219 / 267 | |
| Loans / Assets | 62.69% | 62.46% | 71.96% | 78.38% | 25th pctl | 200 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |