Five Points Bank of Hastings: 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 Hastings of Hastings, NE against its peer group of 2672 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 | 1.02% | 1.34% | -0.32% | 35th below |
| ROAE | 9.48% | 13.32% | -3.84% | 33rd below |
| Net Interest Margin | 2.54% | 3.93% | -1.39% | 3rd bottom |
| Efficiency Ratio | 55.64% | 61.14% | -5.50% | 67th above |
| PPNR / Avg Assets | 1.16% | 1.68% | -0.52% | 27th below |
| Yield on Earning Assets | 4.46% | 5.67% | -1.21% | 8th bottom |
| Cost of Funds | 2.06% | 1.88% | +0.18% | 34th below |
| Net Interest Spread | 2.15% | 3.32% | -1.17% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| Texas Ratio | 0.47% | 7.34% | -6.87% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.94% | 12.14% | -1.20% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.67% | 11.37% | -0.70% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.67% | 11.09% | -0.42% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.98% | 80.65% | -28.67% | 90th top |
| Core Deposit Ratio | 96.51% | 86.86% | +9.65% | 91st top |
| Wholesale Funding Ratio | 0.39% | 5.04% | -4.65% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.40% | 6.85% | -0.45% | 65th above |
| Loan Growth (Y/Y) | 0.40% | 7.91% | -7.51% | 24th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.27% | 6.29% | -0.02% | 66th above |
See Five Points Bank of Hastings's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Five Points Bank of Hastings, 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 of Hastings profile, how to read a UBPR, or how this data updates.