The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Nebraska

Yes. Five Points Bank is an FDIC-insured institution (FDIC certificate #20488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.5% of deposits ($848.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.68% (benchmark: 10%).

Check how much of your own balance is covered

Five Points Bank lists 12 offices in 7 cities. Most locations:

• Grand Island, NE (4)
• Kearney, NE (2)
• Omaha, NE (2)
• Elkhorn, NE (1)
• La Vista, NE (1)
• Lincoln, NE (1)
• Sumner, NE (1)

All branch addresses and map

In 2025, Five Points Bank reported 362 home-loan applications under HMDA (LEI 5493009DQQ81725XIJ49): 315 originated ($88,085,000 total), 8 denied, and 39 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Five Points Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

20488

RSSD ID

554857

Primary regulator

FED

Holding company

Hometown Banc Corp

Established

September 10, 1971

Headquarters

2015 N Broadwell Ave, Grand Island, NE 68803

Website

www.5pointsbank.com

Employees

188