Five Points Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Five Points Bank (FDIC Cert #20488) at 71/100 for bank stress — a elevated level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

What separates this from a plain credit rating is the geographic weighting — Five Points Bank's 71/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Lancaster County, NE, Douglas County, NE, Buffalo County, NE, Sarpy County, NE, among others DLRadar tracks parcel by parcel. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 126 ZIP codes Five Points Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. DLRadar maps Five Points Bank into 6 counties (126 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Nebraska (6 counties). Because Five Points Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 71/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. A elevated score on a footprint this size means the markets Five Points Bank touches inherit a corresponding share of that lending pressure. Five Points Bank is held under Hometown Banc Corp, so its disclosures are public and its stress trajectory is externally verifiable.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Five Points Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.