TellerScore

Five Points Bank of Hastings is a state-chartered bank (fed member) headquartered in Hastings, Nebraska, in business for about 133 years. At the end of Q2 2026 it reported $551.7M in total assets and $488.6M in deposits, with 2 offices.

Five Points Bank of Hastings has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 82nd. Problem-loan coverage contributes the most (99/100, 0.5%); earnings contributes the least (52/100, 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.94%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 51.4% · 43.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.47%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the earnings component improved by 8 points.

TellerScore
646872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202465
Q1 202569
Q2 202570
Q3 202572
Q4 202572
Q1 202670
Q2 202672
Tier 1 leverage ratio
5.00%7.99%10.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.87%
Q3 20249.90%
Q4 202410.01%
Q1 202510.25%
Q2 202510.55%
Q3 202510.82%
Q4 202510.99%
Q1 202610.96%
Q2 202610.94%
Noncurrent loans
0.00%0.06%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.09%
Q2 20260.11%
Return on assets
0.11%0.46%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.11%
Q4 20240.20%
Q1 20250.59%
Q2 20250.59%
Q3 20250.68%
Q4 20250.64%
Q1 20260.59%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$551.7M10.94%0.11%0.80%51.4%
Q1 202670$537.5M10.96%0.09%0.59%53.9%
Q4 202572$520.7M10.99%0.00%0.64%56.2%
Q3 202572$514.9M10.82%0.00%0.68%60.0%
Q2 202570$518.5M10.55%0.00%0.59%54.4%
Q1 202569$520.1M10.25%0.00%0.59%52.9%
Q4 202465$535.9M10.01%0.00%0.20%51.8%
Q3 202464$525.4M9.90%0.00%0.11%54.6%
Q2 202464$531.4M9.87%0.05%0.13%53.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio10.94%
49th
Total risk-based capital0.00%
24th
Problem loans0.11%
73rd
Net charge-offs0.00%
68th
Return on assets0.80%
23rd
Net interest margin2.41%
3rd
Efficiency ratio59.6%
58th
Loans to deposits51.4%
91st
Uninsured deposits43.0%
8th
Loan-loss reserves1.07%
35th
Texas ratio0.5%
77th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Nebraska BankBank Dodge, NE73 out of 100, Strong$551.6M11.4%0.43%vs
Charter West BankBank West Point, NE68 out of 100, Moderate$547.9M9.3%0.26%vs
Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE80 out of 100, Strong$562.9M13.4%0.19%vs
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
RVR BankBank Fremont, NE78 out of 100, Strong$570.2M9.8%0.16%vs
Enterprise BankBank Omaha, NE70 out of 100, Strong$574.0M11.1%0.00%vs

Deposit insurance

Is my money safe at Five Points Bank of Hastings?

Yes. Five Points Bank of Hastings is an FDIC-insured institution (FDIC certificate #14312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.0% of deposits ($210.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.94%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Five Points Bank of Hastings lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Five Points Bank of Hastings
Former names
Security Bank; Hometown Bank; The Security State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
14312
RSSD ID
386450
Primary regulator
FED
Holding company
Hometown Banc Corp
Established
January 1, 1893
Headquarters
2815 Osborne Dr W, Hastings, NE 68901
Employees
48

Quick answers

Five Points Bank of Hastings: common questions

Is Five Points Bank of Hastings FDIC insured?

Yes. Five Points Bank of Hastings is an FDIC-insured institution (FDIC certificate #14312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Five Points Bank of Hastings's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Five Points Bank of Hastings ever failed?

There is no failure record for FDIC certificate #14312 in the FDIC failed bank list.

How many branches does Five Points Bank of Hastings have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hastings

InstitutionScoreAssetsCapitalProblem loansCompare
South Central State BankBank Campbell, NE96 out of 100, Very strong$192.1M15.2%0.00%vs
Hastings Federal Credit UnionCredit union Hastings, NE93 out of 100, Very strong$52.0M20.8%0.36%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Adams County BankBank Kenesaw, NE83 out of 100, Strong$241.1M11.8%0.00%vs
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE80 out of 100, Strong$562.9M13.4%0.19%vs