Bank call report · Grand Island, NE
Five Points Bank Call Report
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Five Points Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 440 reported line items, schedule by schedule (943 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 554857 |
| FDIC certificate number | 20488 |
| Total assets | $2.24B |
Official Q2 2026 call report PDF (FFIEC) →
Five Points Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Five Points Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.24B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.24B |
| Total Liabilities and Minority Interest | RCON2948 | $2.08B |
| Total Deposits | RCON2200 | $2.04B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.68B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.41B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.39B |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $412.8M |
| Held-to-maturity Securities, Total | RCON1754 | $412.8M |
| Deposits: Noninterest-bearing | RCON6631 | $366.5M |
| Interest-bearing Balances | RCON0071 | $172.8M |
| Total Equity Capital | RCON3210 | $165.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $165.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $140.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $126.1M |
| Surplus | RCON3839 | $98.9M |
| Other Assets | RCON2160 | $76.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$60.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $31.4M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $24.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $19.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $19.2M |
| Other Liabilities, Total | RCON2930 | $10.1M |
| Intangible Assets | RCON2143 | $3.1M |
| Common Stock | RCON3230 | $1.1M |
Schedule RI: Income Statement (46 items)
About Schedule RI · Five Points Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $52.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $39.9M |
| Net Interest Income | RIAD4074 | $31.4M |
| Total Interest Expense | RIAD4073 | $20.6M |
| Total Noninterest Expense | RIAD4093 | $19.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $19.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $16.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $16.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $15.7M |
| Net Income (Loss) | RIAD4340 | $15.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $15.7M |
| Salaries and Employee Benefits | RIAD4135 | $10.7M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $9.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $8.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $7.9M |
| Other Noninterest Expense | RIAD4092 | $7.5M |
| Interest on Other Securities | RIAD4060 | $7.1M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $6.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $6.2M |
| Total Noninterest Income | RIAD4079 | $4.9M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3.3M |
| Other Noninterest Income | RIADB497 | $2.9M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.8M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $2.3M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $2.0M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.0M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.6M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.4M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $836K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $836K |
| Provision for Loan and Lease Losses | RIAD4230 | $707K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $707K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $541K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $395K |
| Other Interest Income | RIAD4518 | $352K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $341K |
| Net Servicing Fees | RIADB492 | $311K |
| Applicable Income Taxes | RIAD4302 | $300K |
| Income from Lease Financing Receivables | RIAD4065 | $258K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $234K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $174K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $167K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$36K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $27K |
| Fees and Commissions from Annuity Sales | RIADC887 | $8K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 188 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $204.2M |
| Balances Due from Federal Reserve Banks | RCON0090 | $172.8M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $22.6M |
| Currency and Coin | RCON0080 | $8.5M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $392K |
Schedule RC-B: Securities (48 items)
About Schedule RC-B · Five Points Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $11.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $10.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $11K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $11K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $28.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $24.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $21K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $21K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $67.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $60.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Held-to-maturity Amortized Cost | RCONG320 | $6K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Held-to-maturity Fair Value | RCONG321 | $6K |
| Pledged Securities | RCON0416 | $463.8M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $412.8M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $391.6M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $391.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $255.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $163.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $154.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $61.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $26.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $15.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $14.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $13.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $10.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $9.1M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $9.1M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $8.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $7.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $6.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $6.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $5.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $5.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $4.5M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $4.5M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $4.5M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $4.5M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $4.4M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $4.4M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $4.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $3.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $3.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $1.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $866K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $426K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $31K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Five Points Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.41B |
| Pledged Loans and Leases | RCONG378 | $833.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $456.1M |
| Commercial and Industrial Loans | RCON1766 | $370.4M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $370.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $352.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $321.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $266.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $237.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $199.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $183.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $135.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $126.9M |
| Real Estate Loans Secured by Farmland | RCON1420 | $104.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $86.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $69.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $68.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $55.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $43.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $41.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $32.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $27.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $20.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $20.2M |
| All Other Lease Financing Receivables | RCONF163 | $16.8M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $16.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $13.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $12.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $9.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $5.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $1.1M |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $74.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $54.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $43.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $23.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $15.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $15.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $10.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $9.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $9.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $7.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $3.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.6M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 4,285 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 211 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 196 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 177 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 162 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 114 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 78 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 77 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 72 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 57 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 36 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 31 |
Schedule RC-E: Deposit Liabilities (35 items)
About Schedule RC-E · Five Points Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.30B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.09B |
| Total Transaction Accounts | RCON2215 | $738.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $700.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $639.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $528.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $365.1M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $272.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $261.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $214.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $180.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $171.5M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $171.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $171.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $171.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $131.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $99.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $96.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $90.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $81.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $79.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $72.2M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $46.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $39.5M |
| Total reciprocal deposits | RCONJH83 | $35.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $34.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $25.7M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $18.3M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $17.4M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $17.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $11.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $892K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $836K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $182K |
Schedule RC-F: Other Assets (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $42.5M |
| Accrued Interest Receivable | RCONB556 | $13.0M |
| Other Assets | RCON2168 | $11.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $9.5M |
| Third Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3551 | $6.5M |
| Prepaid Expenses | RCON2166 | $3.6M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $423K |
| Computer Software | RCONFT33 | $382K |
| Accounts Receivable | RCONFT34 | $361K |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $295K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $4.8M |
| Deferred Compensation Liabilities | RCONC011 | $3.8M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $3.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.2M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $1.0M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $500K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Five Points Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.20B |
| Quarterly Average of Total Loans | RCON3360 | $1.33B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $747.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $670.3M |
| All Other Securities | RCONB560 | $443.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $379.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $343.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $340.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $254.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $180.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $175.5M |
| Mortgage-backed Securities | RCONB559 | $120.7M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $54.7M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $23.9M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $14.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $8.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $1.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Five Points Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $159.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $85.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $57.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $27.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $26.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $26.6M |
| Performance Standby Letters of Credit | RCON3821 | $1.3M |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Five Points Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $30.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $3.1M |
| Mortgage Servicing Assets | RCON3164 | $3.1M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 6 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (9 items)
About Schedule RC-N · Five Points Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $705K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $661K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $252K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $99K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $89K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $35K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $30K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $10K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Five Points Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.20B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $2.05B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.16B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $862.1M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $848.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $223.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $22.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 46,603 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,106 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 937 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 10 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $143.8M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $143.8M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $140.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $140.7M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Level 2 Fair Value Measurements | RCONG539 | $3.1M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Total Fair Value Reported on Schedule Rc | RCONG536 | $3.1M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $3.1M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $3.1M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Five Points Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $1.68B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · Five Points Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.20B |
| Average total consolidated assets | RCOAKW03 | $2.20B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.68B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $246.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $226.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $226.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $226.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $165.3M |
| Retained Earnings | RCOAKW00 | $126.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $100.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$60.8M |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | -$47.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $20.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $20.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $20.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$13.8M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1468 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1348 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1348 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.103 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0668 |
Schedule RC-R, Part II: Risk-Weighted Assets (75 items)
About Schedule RC-R, Part II · Five Points Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.68B |
| Total Risk-weighted Assets | RCONG641 | $1.68B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.33B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.33B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.24B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.11B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.09B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $504.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $504.0M |
| Total Held-to-maturity Securities | RCOND961 | $412.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $381.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $381.1M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $335.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $299.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $252.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $222.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $204.2M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $199.5M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $197.5M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $195.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $190.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $181.5M |
| Unconditionally Cancellable Commitments | RCONS540 | $170.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $140.7M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $124.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $120.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $102.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $100.8M |
| Total All Other Assets | RCOND981 | $98.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $82.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$80.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $68.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $51.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $51.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $47.7M |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $47.4M |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$47.0M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $26.6M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $26.6M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $26.6M |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $24.6M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $24.6M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $24.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $22.7M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $18.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $16.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$13.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $13.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $13.7M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $13.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $9.2M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $7.8M |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $3.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $3.8M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $3.4M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $3.1M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $3.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $3.1M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $3.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.3M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.0M |
| Off-balance Sheet Securitization Exposures - Gross-up Risk Weight Exposure, by Calculation Method | RCONS499 | $968K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $638K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $638K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $149K |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $100K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $99K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $99K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $99K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $99K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $25K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $25K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $25K |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $11K |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $6K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $199.5M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $199.5M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $3.8M |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $564K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $165.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $154.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $154.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $7.0M |
| Other Comprehensive Income | RIADB511 | $1.9M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Five Points Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $7K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $5K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $2K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $2K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Five Points Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $19.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $18.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $7K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.41B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $540.6M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $442.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $299.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $113.6M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $19.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $9.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $7.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $7.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $3.5M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $87K |
Schedule RI-E: Explanations (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $1.7M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $1.3M |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $1.1M |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $877K |
| Marketing and Other Professional Services | RIAD0497 | $761K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $687K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $440K |
| Printing, Stationery, and Supplies | RIADC018 | $370K |
| Data Processing Expenses | RIADC017 | $341K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $327K |
| Consulting and Advisory Expense | RIADF557 | $310K |
| Telecommunications Expense | RIADF559 | $201K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $199K |
| Accounting and Auditing Expenses | RIADF556 | $165K |
| Directors' Fees | RIAD4136 | $161K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $147K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $79K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $46K |
| Safe Deposit Box Rent | RIADC015 | $27K |
| Legal Expense | RIAD4141 | $20K |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $17K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $15K |
Five Points Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Five Points Bank call report?
The Five Points Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Five Points Bank file?
Five Points Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Five Points Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Five Points Bank has Federal Reserve RSSD ID 554857 and FDIC certificate number 20488. Either one finds its filings on the FFIEC Central Data Repository.
How often does Five Points Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Five Points Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 20488) · FFIEC NIC profile (RSSD 554857)