Five Points Bank of Hastings: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 16.50 percentage points in Q2 2026, from 82.63% to 66.13%. It was the largest change from Q1 2026 among the key lines here. Five Points Bank of Hastings has the 11th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 51.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Five Points Bank of Hastings sits 28.86 points lower, at 51.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $254.0M |
| Net loans and leases | $251.2M |
| Loans held for sale | $0 |
| Loans to total assets | 46.03% |
| Loan-to-deposit ratio | 51.98% |
| Net loans to equity capital | 4.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.47% |
| Multifamily (5+ residential) | 0.49% |
| Commercial and industrial | 12.94% |
| Consumer | 0.98% |
| Credit cards | 0.00% |
| Farm | 17.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 66.13% |
| Construction concentration (Tier 1 capital + allowance) | 26.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.24% |
| Interest income on loans | $4.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $241.1M | $469.5M | 31.04% | 13.46% | 0.53% |
| Q4 2023 | $243.1M | $467.7M | 31.09% | 14.17% | 0.55% |
| Q1 2024 | $246.3M | $451.5M | 30.94% | 15.71% | 1.34% |
| Q2 2024 | $245.7M | $452.8M | 30.40% | 14.59% | 1.78% |
| Q3 2024 | $246.9M | $447.3M | 29.16% | 12.33% | 1.12% |
| Q4 2024 | $250.5M | $478.8M | 30.06% | 12.21% | 1.05% |
| Q1 2025 | $247.3M | $462.3M | 31.28% | 13.87% | 0.95% |
| Q2 2025 | $252.9M | $459.7M | 31.54% | 13.34% | 1.11% |
| Q3 2025 | $264.8M | $437.0M | 30.88% | 12.40% | 0.91% |
| Q4 2025 | $261.0M | $459.7M | 30.82% | 11.94% | 0.94% |
| Q1 2026 | $259.0M | $475.7M | 32.54% | 13.58% | 0.87% |
| Q2 2026 | $254.0M | $488.6M | 33.47% | 12.94% | 0.98% |
Five Points Bank of Hastings loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Points Bank of Hastings, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Five Points Bank of Hastings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14312) · FFIEC NIC profile (RSSD 386450)