BlastPoint's Banking Scorecard
Five Points Bank of Hastings
Community
Specialty: Agricultural
NE
FDIC cert 14312
Hastings, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Five Points Bank of Hastings has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 4% in Community
- - Deposit Outflow: Bottom 17% in Community
- - Net Interest Margin 1.65% below tier
- - Loan-to-Deposit Ratio 26.88% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$520.7M
-2.8% YoY
+1.1% QoQ
|
-$870.7M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$258.3M
+4.2% YoY
-1.5% QoQ
|
-$717.2M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$459.7M
-4.0% YoY
+5.2% QoQ
|
-$704.9M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.64%
+220.8% YoY
-4.8% QoQ
|
-0.52% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
2.01%
+47.2% YoY
+2.8% QoQ
|
-1.65% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
69.11%
-23.0% YoY
+2.2% QoQ
|
+6.48% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
56.18%
+8.6% YoY
-6.3% QoQ
|
-26.88% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.81%
-7.2% YoY
+10.5% QoQ
|
-9.23% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.27%
+2.1% YoY
+23.9% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (4)
Capital Thin
risk
#19 of 432 · Bottom 4% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#44 of 248 · Bottom 17% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.01%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
56.18%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Efficiency Ratio
Current: 69.11% · Tier avg: 62.63%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
17
17th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.81% · Tier avg: 21.05%
7
7th pctile
Total Deposits
Current: $459.7M · Tier avg: $1.2B
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.18% · Tier avg: 83.06%
3
3th pctile
Total Assets
Current: $520.7M · Tier avg: $1.4B
2
2th pctile
Total Loans
Current: $258.3M · Tier avg: $975.5M
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.66%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.66%
2
2th pctile
Total Loans
Current: $258.3M · Tier avg: $975.5M
3
3th pctile
Total Assets
Current: $520.7M · Tier avg: $1.4B
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.18% · Tier avg: 83.06%
7
7th pctile
Total Deposits
Current: $459.7M · Tier avg: $1.2B
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.81% · Tier avg: 21.05%
17
17th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
29
29th pctile
Efficiency Ratio
Current: 69.11% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%