# FIVE POINTS BANK OF HASTINGS
HASTINGS, NE · FDIC certificate 14312 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $551.7M | |
| Deposits | $488.6M | |
| Loans and leases | $254.0M | |
| Total equity | $58.9M | |
| Loans / deposits | 51.42% (p7 of band) | 82.04% |
| Liquid assets / assets | 49.72% (p92 of band) | |
| Uninsured deposits / deposits | 43.02% (p91 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.39% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.94% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | -13.13% (p36 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 0.80% (p21 of band) | 1.28% |
| Net interest margin | 2.41% (p3 of band) | 3.91% |
| Efficiency ratio | 59.58% (p45 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 941.18% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 27.85% (p34 of band) | |
| Auto loans | $441,000 (0.17% of loans; DQ 4.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking |
| 2013-12 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | deposits shrinking |  |
| 2017-09 | 0 |  | deposits shrinking |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits >50% |  |
| 2020-03 | 1 | capital falling | uninsured deposits >50% |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | uninsured deposits >50% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | NIM <2.5% |  |
| 2022-03 | 3 | securities losses >30% of equity |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 2 |  | uninsured deposits >50% |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | uninsured deposits >50%, expense ratio p90 |  |
| 2023-12 | 5 | capital falling |  |
| 2024-03 | 3 |  | uninsured deposits >50%, capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | securities losses >30% of equity, expense ratio p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-04-04 [Hastings College Pro Rege Society induction set for April 21 - Hastings College](https://news.google.com/rss/articles/CBMilgFBVV95cUxNVEViNFBJOFhyd1AwSXFtd3hrejZiZGMwRGVFdUdueWRNYjkwTWZGSndGVUd1ZEhIenpjdHp5WDhqOHpnQldlVWxXWEIxdlpkX1dGbmt6VkF0NDdfMktSUUxjeWg1akJlYWlaRHcxaWRUd2pXMW1uOEhRUDZXV21RRlZaVjdMaXZLU08wOWVDUmpPOG0wc3c?oc=5) · Hastings College
- 2026-01-29 [2026 Hastings Area Chamber of Commerce Annual Awards Banquet to take place Feb. 4 - Central Nebraska Today](https://news.google.com/rss/articles/CBMiZkFVX3lxTFAzYWtSeXg4RmFWSV9ld0FTN3pLSzFQTEJ0NHczSkNiS19hZWhnM0xKdUlBNFBnYmx5SDBXUjhSOEEwell2eU15d1dJZ3JmOHRfMzExaWRlZXltNm5zWW9QUkJrR2pkZw?oc=5) · Central Nebraska Today
- 2020-10-26 [New Law To Protect Older Nebraskans From Scams - klin.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQTVdZZWV0QlNQTGIzSTVKMHg1RWsxczdmZ29PQURKUU5pV25nMzcwenluaW1xdFhaRThtTldvQ0MtSllISVBsbnZ2NzFxOHZ3X3BfUkNOY2pVM3doblJmbzFzR3JWTTZPSjJ0V2lZSEtRdFVadHNvUzNDWV9zSUd0Vw?oc=5) · klin.com
- 2019-06-24 [Five Points Bank expands to Lincoln - The Grand Island Independent](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOSDdKOXpFbmwxOHRfNjE1YlFNNm5SZWZUOU5ueTh2LWVUWEZZbHVUU0ZkWDJzTU1oU2NiQ3RhQVJkMnhSbDdOZHFrdThVeV9Gb3o4WHh0OFhPdnFXQjZ0M2lCdHFCcWhzSm5JTmxndHVtUi1pUmRyYl9WX2xlY0duMWUwN3dlVGh4?oc=5) · The Grand Island Independent
- 2024-06-22 [Play in the 2024 Hastings Open at Southern Hills, Lochland - Hastings Tribune](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNUVVRTkZXeE9feG1fbmIwaHBDS2E1dnVaTm1DRVpJQ0RhNi1GT3VJQ1VfdXhsSHU3VWxlZ0JMbnlqV3JoZ1pHZ05tb1F0c3VwWlFWd09jVDZ5ZUtDTWdySDlCVTMwUVptcXpjODJ4VXJpUGkyV3VyWkxlX0JOMnh3anBieWRyQ1h4bzFzdkhJdE1JNHMwM3czVWduSldJX2l4YlNJTUFQUGhyT1ZndmhpQVg4T3NYOGdlU3Z0S2pJeXExTUEyYnM1STFjRG9pWVdMNkl5LVk0YkV3aW5LNTNZ?oc=5) · Hastings Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14312 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "14312", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide