Five Points Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Five Points Bank of Grand Island, NE against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.41% | 1.34% | +0.07% | 59th above |
| ROAE | 18.98% | 12.34% | +6.64% | 86th top |
| Net Interest Margin | 3.31% | 3.83% | -0.52% | 26th below |
| Efficiency Ratio | 52.91% | 58.97% | -6.06% | 66th above |
| PPNR / Avg Assets | 1.54% | — | — | 36th below |
| Yield on Earning Assets | 5.30% | 5.71% | -0.41% | 35th below |
| Cost of Funds | 2.09% | 2.02% | +0.07% | 45th below |
| Net Interest Spread | 2.78% | — | — | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.87% | -0.86% | 96th top |
| NPA / Total Assets | 0.00% | — | — | 96th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 73rd above |
| ACL / Total Loans | 1.40% | — | — | 80th top |
| ACL / NPLs (Coverage) | 19818.18% | — | — | — |
| Texas Ratio | 0.05% | 5.48% | -5.43% | 96th top |
| Provision / NCO | 18866.67% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.48% | 14.99% | -1.51% | 49th below |
| Tier 1 Ratio | 13.48% | 15.02% | -1.54% | 49th below |
| Total Capital Ratio | 14.68% | — | — | 50th above |
| Leverage Ratio | 10.30% | 11.11% | -0.81% | 45th below |
| Equity / Assets | 7.37% | 11.02% | -3.65% | 4th bottom |
| TCE / Tangible Assets | 7.37% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.82% | 86.99% | -18.17% | 87th top |
| Core Deposit Ratio | 91.60% | 85.57% | +6.03% | 66th above |
| Uninsured Deposit Ratio | 41.50% | 33.19% | +8.31% | 23rd bottom |
| Wholesale Funding Ratio | 1.10% | — | — | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.51% | — | — | 64th above |
| Loan Growth (Y/Y) | 11.23% | — | — | 76th top |
| Deposit Growth (Y/Y) | 7.31% | — | — | 62nd above |
See Five Points Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Five Points Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Five Points Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Five Points Bank peer analysis.