Five Points Bank
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Data as of · sourced from FFIEC call reports. How we update
Five Points Bank is an FDIC-insured commercial bank headquartered in Grand Island, NE, established in 1971 (FDIC certificate 20488), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.24B, up 7.5% from Q2 2025, the 6th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 13.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 20488
- Headquarters
- Grand Island, NE
- Established
- 1971
- Total assets, Q2 2026
- $2.24B
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 13.48%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 104901678
- Holding company
- HOMETOWN BANC CORP
- Asset rank in state
- 6th of 138 in Nebraska
Five Points Bank, based in Grand Island, Nebraska, reported $2.2 billion in assets at June 30, 2026, up 7.5% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also returns 19.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Net income for the quarter slipped 15% from a year earlier, to $7.7 million. Over the same year, loans grew 11.2% and deposits grew 7.3%. Funding is the softer spot: it holds about two-fifths of its deposits (42%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Five Points Bank reported a CET1 capital ratio of 13.48%, a return on assets of 1.41%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Five Points Bank is the 6th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 6.7% to $2.24B, loans rose 7.8% and deposits rose 7.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 26.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.9%. Its 16 offices in the FDIC Summary of Deposits are in 7 cities in NE; its Grand Island 5 offices book 50% of its branch deposits. On its Q2 2026 call report, Five Points Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2015 N Broadwell Ave, Grand Island, NE 68803
- County
- Hall
- Metro Area
- Grand Island, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 10, 1971
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 188
- Domestic deposits
- $2.04B
- Allowance for credit losses
- $19.6M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $2.20B
- Average total loans
- $1.33B
- Average interest-bearing deposits
- $1.64B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 10, 1971
- FDIC Cert
- 20488
- Fed RSSD
- 554857
- Website
- www.5pointsbank.com →
- Parent Holding Company
- HOMETOWN BANC CORP (RSSD 2482196)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Five Points Bank's total assets ran between $1.97B (Q3 2023) and $2.24B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.24B total assets against $2.09B; $2.08B total liabilities against $1.95B.
$1.39B net loans and leases against $1.25B; $2.04B total deposits against $1.90B.
$553.5M securities against $573.7M; $204.2M cash and balances due against $180.8M.
$26.9M total interest income against $25.4M; $10.5M total interest expense against $11.0M.
$16.5M net interest income against $14.4M.
$2.5M total noninterest income against $2.3M; $10.6M total noninterest expense against $8.9M.
$566K provision for credit losses against -$1.4M.
$7.7M net income against $9.1M.
1.41% return on assets against 1.73%; 3.31% net interest margin against 3.03%.
13.48% CET1 capital ratio against 13.64%; 10.30% tier 1 leverage ratio against 9.87%.
Inside the full Five Points Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Five Points Bank rankings
Its closest position to the top of a national ranking is 547 of 4,196, for total assets; its furthest is 3,286 of 3,640, for Texas Ratio.
Metric pages for Five Points Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q3 2024) to 1.73% (Q2 2025) and its net interest margin ran from 2.51% (Q3 2024) to 3.31% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.48% | 1.41% | 0.01% | 0.05% | 3.31% |
| Q1 2026 | 14.04% | 1.52% | 0.02% | 0.31% | 3.16% |
| Q4 2025 | 13.77% | 1.27% | 0.00% | 0.21% | 3.21% |
| Q3 2025 | 13.64% | 1.48% | 0.00% | 0.22% | 3.10% |
| Q2 2025 | 13.64% | 1.73% | 0.02% | 0.35% | 3.03% |
| Q1 2025 | 13.86% | 1.38% | 0.72% | 5.70% | 2.83% |
| Q4 2024 | 13.81% | 1.03% | 0.06% | 0.48% | 2.83% |
| Q3 2024 | 13.52% | 0.96% | 0.05% | 0.43% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Grand Island- Stolley Park Branch | Grand Island , NE | 68801 | $462.0M |
| Five Points Bank (main office) | Grand Island , NE | 68803 | $354.0M |
| Omaha- Arbor Branch | Omaha , NE | 68124 | $271.8M |
| Kearney- 39th Street Branch | Kearney , NE | 68845 | $261.8M |
| Omaha- Giles Branch | La Vista , NE | 68128 | $200.3M |
| Grand Island- Diers Ave Branch | Grand Island , NE | 68803 | $169.6M |
| Lincoln-Yankee Hill Branch | Lincoln , NE | 68516 | $130.1M |
| Elkhorn Branch | Elkhorn , NE | 68022 | $85.0M |
| Kearney- Central Avenue Branch | Kearney , NE | 68847 | $45.0M |
| Grand Island- Eddy Street Branch | Grand Island , NE | 68801 | $36.3M |
| Sumner Branch | Sumner , NE | 68878 | $14.2M |
| Ashton Building Branch | Omaha , NE | 68102 | $13.0M |
| Buffalo County Mobile Branch | Kearney , NE | 68845 | $0 |
| Lancaster County Mobile Branch | Lincoln , NE | 68516 | $0 |
| Grand Island- Mobile Branch | Grand Island , NE | 68803 | $0 |
| Omaha- Mobile Branch | La Vista , NE | 68128 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- November 15, 2004, Federal Reserve: Civil Money Penalty $10,000: Five Points Bank, Grand Island, NE
- Period: Most recent institution action November 15, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.1% of deposits in NE, rank 8 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 362 applications, 315 loans originated, $88.1M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Five Points Bank
What are Five Points Bank's total assets?
As of the Q2 2026 filing, Five Points Bank reported total assets of $2.24 billion in its FFIEC call report.
Where is Five Points Bank headquartered?
It is headquartered in Grand Island, NE, United States.
When was Five Points Bank founded?
It was established in 1971, per the FDIC institution directory.
Is Five Points Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Five Points Bank?
Five Points Bank's primary federal regulator is the Federal Reserve.
What is Five Points Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Five Points Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Five Points Bank's Texas Ratio?
Its Texas Ratio is 0.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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