Five Points Bank (FDIC #20488): Bank Stress & Real-Estate Credit Exposure
Five Points Bank (FDIC Cert #20488): bank stress 71/100, elevated, STABLE over 7 days; parent HOMETOWN BANC CORP.
Five Points Bank (#20488) lends in 6 counties across 1 state; Five Points Bank (#20488) reaches 126 ZIP codes: Nebraska 6 counties, 126 ZIPs.
Five Points Bank (#20488) largest markets: Lancaster County, NE (88 branches, 44 ZIPs) (#20488), Douglas County, NE (111 branches, 37 ZIPs) (#20488), Buffalo County, NE (42 branches, 14 ZIPs) (#20488), Sarpy County, NE (28 branches, 14 ZIPs) (#20488), Dawson County, NE (12 branches, 12 ZIPs) (#20488), Hall County, NE (55 branches, 11 ZIPs) (#20488).
Five Points Bank (#20488) reports $2.24 billion in total assets; Five Points Bank (#20488) equity $165.3 million (7.4% of Five Points Bank (#20488) assets); Five Points Bank (#20488) domestic deposits $2.04 billion; Five Points Bank (#20488) net income $15.7 million; Five Points Bank (#20488) return on assets 1.45%; Five Points Bank (#20488) return on equity 19.62%; Five Points Bank (#20488) net interest income $31.4 million; Five Points Bank (#20488) call report June 30, 2026.
Five Points Bank (#20488) noncurrent real-estate loans: none reported; Five Points Bank (#20488) net charge-offs on real estate 0.01%.
Five Points Bank (#20488) net interest margin 3.09% against an eight-quarter Five Points Bank (#20488) average of 2.78% (Five Points Bank (#20488) compression -0.31 points); Five Points Bank (#20488) rate-exposure score 40/100, Five Points Bank (#20488) fixed-rate trap 40/100; Five Points Bank (#20488) risk type credit driven; Five Points Bank (#20488) rate regime rates elevated, Five Points Bank (#20488) snapshot October 19, 2026.
Five Points Bank (#20488) stress score moved from 67.6 on June 22, 2026 to 70.8 on October 19, 2026; Five Points Bank (#20488) ranged 67.6 to 70.8 over 116 snapshots.
Five Points Bank (#20488) alerts: 6 counties; top Five Points Bank (#20488) alert scores: Lincoln County, NE 46 (moderate); Kearney County, NE 32 (low); Grand Island County, NE 24 (low); La Vista County, NE 24 (low); Omaha County, NE 24 (low).