BlastPoint

BlastPoint's Banking Scorecard

Five Points Bank of Hastings

$100M-$1B Specialty: Agricultural NE FDIC cert 14312

Hastings, NE

2 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE
View $100M-$1B leaderboard (NE) →

Five Points Bank of Hastings has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 0.3% in tier
  • + Efficiency Ratio 2.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 14.1% in tier
  • - Credit Quality Pressure: Bottom 14.9% in tier
  • - Capital Thin: Bottom 47.5% in tier
  • - Net Interest Margin 1.61% below tier average
  • - ROA 0.68% below tier average
Get updates when Five Points Bank of Hastings releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $537.5M
+3.3% YoY +3.2% QoQ
+$151.4M $386.1M
+0.5% YoY
$791.1M
+6.6% YoY
$6.2B
+9.1% YoY
75%
Total Loans ? $256.3M
+4.8% YoY -0.8% QoQ
+$569K $255.7M
+1.1% YoY
$551.6M
+6.9% YoY
$3.2B
+10.8% YoY
61%
Total Deposits ? $475.7M
+2.9% YoY +3.5% QoQ
+$147.7M $328.0M
+0.1% YoY
$661.1M
+6.6% YoY
$4.8B
+8.2% YoY
77%
Return on Assets ? 0.59%
-0.2% YoY -9.3% QoQ
-0.68% 1.27%
+12.9% YoY
1.36%
+20.0% YoY
1.23%
+13.4% YoY
16%
Net Interest Margin ? 2.32%
+25.8% YoY +15.4% QoQ
-1.61% 3.93%
+6.0% YoY
3.79%
+6.5% YoY
3.89%
+5.7% YoY
Bottom 2.1% in tier
Efficiency Ratio ? 62.74%
-10.1% YoY -9.2% QoQ
-2.55% 65.29%
-4.5% YoY
60.11%
-6.9% YoY
66.95%
-4.1% YoY
51%
Delinquency Rate ? 0.09% -0.80% 0.89%
+18.8% YoY
0.72%
+6.8% YoY
0.95%
+18.8% YoY
75%
Loan-to-Deposit Ratio ? 53.88%
+1.8% YoY -4.1% QoQ
-22.76% 76.64%
+0.8% YoY
79.63%
+0.4% YoY
76.70%
+0.9% YoY
Top 12.6% in tier
Non-Interest-Bearing Deposit Share ? 12.15%
-3.4% YoY +2.9% QoQ
-9.87% 22.02%
-1.0% YoY
17.92%
-1.5% YoY
22.01%
-1.2% YoY
15%
Nonperforming Asset Ratio ? 0.04% -0.60% 0.64%
+19.7% YoY
0.55%
+6.0% YoY
0.67%
+19.3% YoY
79%
Tier 1 Capital Ratio ? 10.96%
+6.9% YoY -0.3% QoQ
-4.87% 15.83%
+1.5% YoY
14.10%
+3.9% YoY
17.06%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.07%
-0.6% YoY -74.7% QoQ
-0.21% 0.28%
+9.3% YoY
0.12%
+3.0% YoY
0.32%
+4.1% YoY
31%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#3 of 664 • Top 0.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#138 of 973 • Bottom 14.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ

Credit Quality Pressure

risk
#196 of 1308 • Bottom 14.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

Capital Thin

risk
#317 of 666 • Bottom 47.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.96%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

336
Loan-to-Deposit Ratio
liquidity
Value: 53.88%
Peer Median: 76.64%
#336 of 2664 Top 12.6% in $100M-$1B
554
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.64%
#554 of 2664 Top 20.8% in $100M-$1B
609
Total Deposits
size
Value: $475.68M
Peer Median: $327.97M
#609 of 2664 Top 22.8% in $100M-$1B
660
Total Assets
size
Value: $537.50M
Peer Median: $386.08M
#660 of 2664 Top 24.7% in $100M-$1B
661
Delinquency Rate
credit_quality
Value: 0.09%
Peer Median: 0.89%
#661 of 2654 Top 24.9% in $100M-$1B

Top Weaknesses (4 metrics)

2610
Net Interest Margin
profitability
Value: 2.32%
Peer Median: 3.93%
#2610 of 2664 Bottom 2.1% in $100M-$1B
2259
Non-Interest-Bearing Deposit Share
funding
Value: 12.15%
Peer Median: 22.02%
#2259 of 2664 Bottom 15.2% in $100M-$1B
2251
Return on Assets
profitability
Value: 0.59%
Peer Median: 1.27%
#2251 of 2664 Bottom 15.5% in $100M-$1B
2066
Tier 1 Capital Ratio
capital
Value: 10.96%
Peer Median: 15.83%
#2066 of 2664 Bottom 22.5% in $100M-$1B
Powered by BlastPoint © 2026