# FIVE POINTS BANK
GRAND ISLAND, NE · FDIC certificate 20488 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $2.24B | |
| Deposits | $2.04B | |
| Loans and leases | $1.41B | |
| Total equity | $165.3M | |
| Loans / deposits | 67.86% (p14 of band) | 87.10% |
| Liquid assets / assets | 33.78% (p82 of band) | |
| Uninsured deposits / deposits | 41.50% (p77 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.10% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.30% (p45 of band) | 10.50% |
| Unrealized securities loss / equity | -21.15% (p18 of band) | -7.75% |
| AOCI / equity | 1.14% (p96 of band) | |
| ROA (annualized) | 1.45% (p67 of band) | 1.26% |
| Net interest margin | 3.09% (p19 of band) | 3.70% |
| Efficiency ratio | 54.00% (p35 of band) | |
| Noncurrent loans | 0.01% (p5 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 19818.18% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 68.74% (p71 of band) | |
| Auto loans | $2.7M (0.19% of loans; DQ 1.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 188 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 | capital falling | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 2 | securities losses >30% of equity, NIM <2.5% |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-25 [Where is Hastings Five Points Bank heading for the American Legion state tournament? - Hastings Tribune](https://news.google.com/rss/articles/CBMiggJBVV95cUxOZHNfZXlmZHRRYUd0M3NLYzNtNi1XdkNwWW1BMVRMdTZheHQ1TFJKVklqY21CcTBCQlVOUmNzUHNDeV9FODlEcFh3YThGLVpnTS1NQWMwMFFDYWc4OTJIeGtYdE1JNFlvVG5ub0Fxd2ctVEt6c3NjVmQ4NzNUbWxTNlhQbG9GUGgyQlVyMVI5ZW5NOGpvYllwR2NpQl9BUS01VWtZSTJCQVBqNzMzc0xvbWhuSkpyRGMtRkIwZy1faUtuQ01RN19ZN1FwZW03bm9FWXNtMzc2bW11c3haeU5wcGpBeVVaMFlOWVpqRHA0NnI5TUpEbG1KUVFFdWMzQTNMSEE?oc=5) · Hastings Tribune
- 2025-12-05 [1,500 Golden Club members find more than a free meal at Five Points luncheon - The Grand Island Independent](https://news.google.com/rss/articles/CBMinAFBVV95cUxPRmFCVHZFd09Ga1ZvV1pGUHdWQk16cjlyT0UweVZ2Ri1WMzhFWFJfQVNjOE9iczg3cUZFeDhZN1dveGRTTkhGWTFCM0tKRnBNLTZHZzRKX0otalVBdHB0M2tWWndMdUpaeHZHMk00cnp4ZjdJd19fSERQUThYdEFJbTJVWFVORmNOVkFHVlBmTHU1WGlDcm1WaERqa2U?oc=5) · The Grand Island Independent
- 2026-08-28 [Getting to hear from the Moo Crew at the Nebraska State Fair - KSNB](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVWIyS2VubnJTZ1NLV1J3OEd5Tnp4dGItelcwV28wLUFfYkgya3JGa2M4MFhwSnRHUUVRd0NqYkhDeHRyV25IQ3c4TFVtUFE4c2w5dGp6T3BHYVhfN201cEQxVWtfakN0Yzc1RnJreWtPS2s3RGNrLWN2R19zQlAtWUV4dE5nbVB3a24wVzRwWQ?oc=5) · KSNB
- 2026-08-01 [Carpet Land wins American Legion state title for third time in four years - 1011now.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxPY2J2MVZqakZISm5yRFM1WU9XMjV3NFJ6M1VEajZ0cmlWYnVVeWtGUk1Bek5MSlQ5dUppWncxcWxEanh4UGFPNE9mWUQ3clhRUUZtRXhJZ1FMdWNzaHpkRFNNU2JDQjlmblNJS2RqQkVLblNhc3B1OW1adDlEY3ZHYjJYampuT3NySXVfMmZYOHpOQjk1T25CVFV2TmoxLXZpQnMzR1drcWVIXzR3?oc=5) · 1011now.com
- 2026-07-24 [Nebraska American Legion Class A senior state tournament - Kearney Hub](https://news.google.com/rss/articles/CBMikwFBVV95cUxQU1ZfMFZ2S1FHejBYMkZZNVpwWDJlSGxkTzFDV3RfY2xWRnpNWXF3dVVfUHNpMk1DdDFEd0d1aEc2RXdHRDFnb3JSQkd5Qi1wMmE0d3BRMFllVjhlaFZRTmZLWUdYNnRvU0J4MEJhSFVtNWFOX0NfclFod1doOGpzTlpDNXJfNlJSWDFtbzBRRVl3NGc?oc=5) · Kearney Hub
- 2026-07-24 [Kearney Pinnacle Bank Juniors Looking To Make Splash At State - Central Nebraska Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxNNTBfWFNRZUpiM3dhRVZqeUtCZ3BiZGRWck8xVm1IN3hYVGc2Y0ZLUVRkLXo2REV5bVh2ZmtOcWdEMHBYWkE1R2lkY3d2VjBHMFVPUV9OcW01QzVwcmtmQXRRUnVQUUNFZHJhTHZGOFlGVVV2UjBwME56NW8taDVDa0g1cHd3alJSTUhkazRVb0FfdUxqbVl4SmJnUUVDMU14aTZzTV9NLVYzRUR2OHAw?oc=5) · Central Nebraska Today
- 2021-08-27 [Five Points Bank celebrates 50th anniversary with fair fun - KHGI](https://news.google.com/rss/articles/CBMikwFBVV95cUxOei1ibXpyT0VJUkltazY5M1JGZjlBMTVjaFMxRGt2WW1DbENUU01Rc3ZfZlBMZS03N3JkVzBKQWw4VnBsbG5xZHFLZzM3NFpDNjBINTV0SzFXV3dqaVJyQk56SlhQOXZyV3pubGJRaUFsLVN1UjFWMWljRU5WWk15R0FnOVhQa1ozQUo2aThaM2NjRVk?oc=5) · KHGI
- 2026-07-31 [Carpet Land pulls away in Game 1 of Legion State Championship Series - 1011now.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNdWxHZ1NMczFpaFQ3aHM3U2d3dzlRNEZNbklwa2RjS180bC1tbDhURDd4emI2a3dNS0MyZmpzaVhlUGt3Z3pSQ0pHTHZEcU5QTWk0Mi1WTUptbXREOUJwSGdDWlNRczg0SWVleEFuRTBUSGwtSm5nVk5UTkx0RndQQ0hQc3ZEQWxGVEJGdlFCX2RsVVd4X2EwX2tvUF9qRUXSAbMBQVVfeXFMUFZWN2tvMzRWa3pVTm0zTW5MZlVjbTRVNXNVWUVWenpOMTZhejNOY2U5TkduVi0tR3BoazhxTVpReTN6NHZGcGF3Rzd0QzhyQndqRWpxdXFDd1hERFBnb0JOTnhISHRmY2RpcTFrWUgxZ2poak8yb3hzeERCU0FNZ0Ffd1JZWjNzT0huRl9xUl9yRGEwWjJ1STZsTlRxVWlNaGdHNGlmZV9mbi1wOGFqLTdjZFE?oc=5) · 1011now.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20488 (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/8.json (key "20488", 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