Five Points Bank of Hastings
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Data as of · sourced from FFIEC call reports. How we update
Five Points Bank of Hastings is an FDIC-insured commercial bank headquartered in Hastings, NE, established in 1893 (FDIC certificate 14312), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $551.7M, up 6.4% from Q2 2025, the 39th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.94% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14312
- Headquarters
- Hastings, NE
- Established
- 1893
- Total assets, Q2 2026
- $551.7M
- Assets vs Q2 2025
- +6.4%
- Tier 1 leverage ratio, Q2 2026
- 10.94%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104905616
- Latest call report
- Q2 2026, FFIEC 041 · Five Points Bank of Hastings call report
- Holding company
- HOMETOWN BANC CORP
- Asset rank in state
- 39th of 138 in Nebraska
Five Points Bank of Hastings, based in Hastings, Nebraska, reported $552 million in assets at June 30, 2026, up 6.4% from a year earlier. It keeps 2.54 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 0.5% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.4 million, 78% above the same quarter a year earlier. Over the same year, loans grew 0.4% and deposits grew 6.3%.
As of June 30, 2026, Five Points Bank of Hastings reported a return on assets of 1.02%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Five Points Bank of Hastings is the 39th largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets rose 2.6% to $551.7M, loans fell 2.0% and deposits rose 2.7%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 24.4% of total loans, followed by farmland and other real estate loans at 17.5%. Its 2 offices in the FDIC Summary of Deposits are in Hastings, NE. By the capital ratios in its Q2 2026 call report, Five Points Bank of Hastings meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2815 Osborne Dr W, Hastings, NE 68901
- County
- Adams
- Metro Area
- Hastings, 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
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1893
- Former names
- Hometown Bank (2000-2003); Security Bank (2000)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $488.6M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $538.0M
- Average total loans
- $254.5M
- Average interest-bearing deposits
- $424.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 2, 1934
- FDIC Cert
- 14312
- Fed RSSD
- 386450
- Website
- www.5pointsbank.com →
- Parent Holding Company
- HOMETOWN BANC CORP (RSSD 2482196)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Five Points Bank of Hastings reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Five Points Bank of Hastings's total assets ranged from $514.9M (Q3 2025) to $551.7M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$551.7M total assets against $518.5M; $492.8M total liabilities against $463.6M.
$251.2M net loans and leases against $250.2M; $488.6M total deposits against $459.7M.
$182.4M securities against $228.0M; $91.9M cash and balances due against $13.7M.
$5.7M total interest income against $4.8M; $2.5M total interest expense against $2.5M.
$3.2M net interest income against $2.3M.
$391K total noninterest income against $386K; $2.0M total noninterest expense against $1.9M.
No provision recorded in the last 12 quarters.
$1.4M net income against $775K.
1.02% return on assets against 0.60%; 2.54% net interest margin against 1.94%.
10.94% tier 1 leverage ratio against 10.55%.
Inside the full Five Points Bank of Hastings 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 of Hastings rankings
Its closest position to the top of a national ranking is 1,319 of 3,606, for efficiency ratio; its furthest is 2,977 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.07% (Q3 2024) to 1.02% (Q2 2026) and its net interest margin ran from 1.36% (Q3 2024) to 2.54% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.94% | 1.02% | 0.11% | 0.47% | 2.54% |
| Q1 2026 | 10.96% | 0.59% | 0.09% | 0.38% | 2.37% |
| Q4 2025 | 10.99% | 0.55% | 0.00% | 0.00% | 2.27% |
| Q3 2025 | 10.82% | 0.85% | 0.00% | 0.00% | 2.13% |
| Q2 2025 | 10.55% | 0.60% | 0.00% | 0.01% | 1.94% |
| Q1 2025 | 10.25% | 0.59% | 0.00% | 0.01% | 1.94% |
| Q4 2024 | 10.01% | 0.48% | 0.00% | 0.01% | 1.85% |
| Q3 2024 | 9.90% | 0.07% | 0.00% | 0.01% | 1.36% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Five Points Bank of Hastings (main office) | Hastings , NE | 68901 | $393.2M |
| Hastings Branch | Hastings , NE | 68901 | $95.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in NE, rank 36 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $108K approved, $108K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 of Hastings
What are Five Points Bank of Hastings's total assets?
As of the Q2 2026 filing, Five Points Bank of Hastings reported total assets of $551.7 million in its FFIEC call report.
Where is Five Points Bank of Hastings headquartered?
It is headquartered in Hastings, NE, United States.
When was Five Points Bank of Hastings founded?
It was established in 1893, per the FDIC institution directory.
Is Five Points Bank of Hastings FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14312). 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 of Hastings?
Five Points Bank of Hastings's primary federal regulator is the Federal Reserve.
How many branches does Five Points Bank of Hastings operate?
It operates 2 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 of Hastings's Texas Ratio?
Its Texas Ratio is 0.47% 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.
What was Five Points Bank of Hastings previously called?
The charter now named Five Points Bank of Hastings has also operated as Hometown Bank (2000-2003), Security Bank (2000), per FDIC structure-change records.
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