Bank Comparison
Five Points Bank of Hastings vs State Bank Financial
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Five Points Bank of Hastings | State Bank Financial |
|---|---|---|
| CET1 Ratio | — | 14.19% |
| Tier 1 Capital Ratio | — | 14.19% |
| Total Capital Ratio | — | 15.12% |
| Tier 1 Leverage Ratio | 10.96% | 9.74% |
| Equity / Assets | 10.69% | 8.76% |
Profitability
| Metric | Five Points Bank of Hastings | State Bank Financial |
|---|---|---|
| Return on Assets (ROA) | 0.59% | 1.06% |
| Return on Equity (ROE) | 5.42% | 12.15% |
| Net Interest Margin (NIM) | 2.37% | 3.08% |
| Yield on Earning Assets | 4.16% | 4.87% |
| Cost of Funds | 1.90% | 1.92% |
Asset quality
| Metric | Five Points Bank of Hastings | State Bank Financial |
|---|---|---|
| Texas Ratio | 0.38% | 0.78% |
| Non-Performing Loan Ratio | 0.00% | 0.11% |
| Non-Performing Asset Ratio | 0.00% | 0.07% |
| Net Charge-Off Ratio | 0.00% | -0.06% |
| ACL / Loans | 1.05% | 0.88% |
Balance sheet
| Metric | Five Points Bank of Hastings | State Bank Financial |
|---|---|---|
| Total Assets | $537,504K | $537,110K |
| Total Deposits | $475,678K | $451,824K |
| Total Loans | $259,004K | $329,225K |
| Total Equity | $57,481K | $47,051K |
| Net Income (quarter) | $774 | $1,425K |
Liquidity & funding
| Metric | Five Points Bank of Hastings | State Bank Financial |
|---|---|---|
| Loan-to-Deposit Ratio | 54.45% | 72.87% |
| Core Deposit Ratio | 96.39% | 98.19% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Five Points Bank of Hastings | State Bank Financial |
|---|---|---|
| Headquarters City | HASTINGS | LA CROSSE |
| Headquarters State | NE | WI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 48 | 59 |
| Established | Jan. 1, 1893, midnight | July 26, 1858, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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