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Five Points Bank

$1B-$10B Specialty: Commercial NE FDIC cert 20488

Designations: ✓ Community bank

Grand Island, NE

16 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
  • Deposits +7.3% year over year ($2.0B on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.45%.
  • Efficiency ratio 54.00% vs a 59.73% peer average.
  • Loan-to-deposit ratio 67.86% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE
View $1B-$10B leaderboard (NE) →

Five Points Bank has 4 strengths but faces 2 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

  • + Delinquency Rate 0.86% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.06% above tier average
  • + Efficiency Ratio 5.73% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 51.8% in tier
  • - Net Interest Margin 0.78% below tier average
Get updates when Five Points Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $2.2B
+7.5% YoY +6.7% QoQ
-$550.2M $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $1.4B
+11.3% YoY +7.9% QoQ
-$576.7M $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $2.0B
+7.3% YoY +7.1% QoQ
-$275.7M $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 1.45%
-7.0% YoY -3.4% QoQ
+0.06% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 3.09%
+10.2% YoY +3.0% QoQ
-0.78% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
18%
Efficiency Ratio ? 54.00%
+6.1% YoY +3.3% QoQ
-5.73% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.01%
-61.8% YoY -61.9% QoQ
-0.86% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Top 3.6% in tier
Loan-to-Deposit Ratio ? 67.86%
+3.7% YoY +0.7% QoQ
-17.17% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
Top 13.2% in tier
Non-Interest-Bearing Deposit Share ? 17.94%
-1.0% YoY +9.3% QoQ
-3.34% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.00%
-83.3% YoY -83.4% QoQ
-0.67% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
Top 3.5% in tier
Tier 1 Capital Ratio ? 13.48%
-1.2% YoY -4.0% QoQ
-1.36% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.22%
-2.4% YoY +94.2% QoQ
-0.31% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 17.9%
-0.2pp YoY
+1.5pp QoQ
 -3.4pp 21.4% 17.6% 22.2% 39%
Brokered Deposits n/a n/a 9.5% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 26.7%
-0.8pp YoY
+1.8pp QoQ
 +12.7pp 14.0% 12.3% 12.5% 88%
CRE 44.6%
-1.1pp YoY
-2.0pp QoQ
 -5.4pp 50.0% 32.3% 41.4% 34%
1-4 Family 16.7%
+1.7pp YoY
+0.7pp QoQ
 -9.7pp 26.4% 16.9% 31.3% 35%
Consumer 0.7%
-0.1pp YoY
+0.1pp QoQ
 -4.0pp 4.7% 3.1% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 13.5%
-0.2pp YoY
-0.6pp QoQ
 -2.1pp 15.6% 16.1% 19.7% 49%
Leverage Ratio 10.3%
+0.4pp YoY
-0.2pp QoQ
 -1.0pp 11.3% 12.1% 12.6% 45%
Total Capital Ratio 14.7%
-0.2pp YoY
-0.6pp QoQ
 -2.0pp 16.7% 17.3% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 188
+16 (+9.3%) YoY
+1 (+0.5%) QoQ
 -126 313 98 482 36%
Assets per Employee ($) $11.9M
-1.6% YoY
+6.2% QoQ
 +$1.4M $10.5M $8.5M $8.8M 77%
Branch Count 16
0 YoY
0 QoQ
 -4 20 7 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 27%
Nonaccrual n/a n/a 0.8% 0.8% 1.0% n/a
Allowance Coverage 198.18x
+150.8% YoY
+150.6% QoQ
 +179.47x 18.71x 31.69x 20.23x 99%
Net Charge-off Rate (YTD) 0.0%
+0.3pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 19.6%
-4.3pp YoY
-0.7pp QoQ
 +7.0pp 12.6% 12.3% 11.6% 90%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.9% 1.7% 60%
Net Income ($, YTD) $15.7M
-3.8% YoY
— QoQ
 -$3.5M $19.2M $6.1M $40.4M 62%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#45 of 85 • Bottom 51.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.45%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

32
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#32 of 885 Top 3.5% in $1B-$10B
33
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.87%
#33 of 882 Top 3.6% in $1B-$10B
118
Loan-to-Deposit Ratio
liquidity
Value: 67.86%
Peer Median: 85.04%
#118 of 885 Top 13.2% in $1B-$10B

Top Weaknesses (1 metrics)

725
Net Interest Margin
profitability
Value: 3.09%
Peer Median: 3.87%
#725 of 885 Bottom 18.2% in $1B-$10B
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