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
Unfavorable gap of $29.4M · efficiency ratio beats 69% 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% | 1.54% | Beats 42% | 149 / 258 | |
| Return on Equity | 15.19% | 9.26% | 11.84% | 14.74% | Beats 77% | 59 / 258 | |
| Net Interest Margin | 2.86% | 3.16% | 3.49% | 3.88% | Beats 14% | 221 / 258 | |
| Efficiency Ratio | 54.00% | 51.71% | 60.30% | 69.65% | Beats 69% | 81 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.19% | 0.46% | 0.90% | Beats 98% | 7 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 92% | 21 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 13.48% | 11.41% | 12.98% | 15.12% | Beats 56% | 113 / 258 | |
| Total Risk-Based Capital Ratio | 14.68% | 12.10% | 13.91% | 16.08% | Beats 60% | 104 / 258 | |
| Equity / Assets | 7.37% | 9.09% | 10.24% | 11.72% | Beats 5% | 245 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 68.82% | 73.24% | 86.34% | 95.95% | 18th pctl | 212 / 258 | |
| Loans / Assets | 62.69% | 63.01% | 72.27% | 78.40% | 24th pctl | 196 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |