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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 $8.2MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $1.7B18%Noninterest $0.4BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.82%1.11%1.25%1.23%1.18%1.20%1.16%-9 bps
Return on Equity13.42%13.42%17.32%19.17%18.39%17.34%16.25%15.70%-347 bps
Net Interest Margin2.21%2.32%2.54%2.63%2.70%2.71%2.85%2.86%+23 bps
Efficiency Ratio60.52%61.09%48.19%50.89%51.56%53.84%52.28%54.00%+311 bps
Non-Interest Burden1.17%1.25%0.99%1.12%1.18%1.26%1.27%1.34%+22 bps
Growth
Asset Growth (YoY)1.96%1.45%3.51%1.89%3.39%2.48%0.48%7.51%+562 bps
Loan Growth (YoY)5.82%3.87%2.84%7.16%7.17%7.54%6.22%11.23%+407 bps
Deposit Growth (YoY)7.16%6.60%8.32%6.54%2.58%1.48%-0.29%7.31%+77 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.06%0.72%0.02%0.00%0.00%0.02%0.01%-1 bps
Net Charge-Offs / Loans-0.01%-0.01%0.13%-0.24%-0.16%-0.12%0.00%0.00%+25 bps
Allowance / Loans1.45%1.46%1.46%1.46%1.46%1.46%1.46%1.40%-6 bps
Allowance Coverage of NPLs27.2x24.6x2.0x79.0x367.9x450.4x79.1x198.2x+119.2x
Capital
Tier 1 Leverage Ratio9.59%9.83%9.90%9.87%10.24%10.23%10.54%10.30%+42 bps
Total Risk-Based Capital14.72%15.03%15.08%14.87%14.87%15.00%15.27%14.68%-20 bps
Equity / Assets6.58%6.24%6.59%6.72%7.16%7.20%7.61%7.37%+65 bps
Liquidity & Funding
Loans / Deposits65.32%62.32%64.20%66.39%68.24%66.05%68.40%68.82%+243 bps
Liquid Assets / Assets26.07%30.02%28.99%27.41%26.12%27.45%26.14%26.11%-130 bps
CRE / Total Capitaln/an/an/an/a270%265%270%n/an/a