BlastPoint's Banking Scorecard
Five Points Bank
Community
Specialty: Commercial
NE
FDIC cert 20488
Grand Island, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Five Points Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+2.5% YoY
+3.5% QoQ
|
+$757.7M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.3B
+7.5% YoY
+0.6% QoQ
|
+$301.2M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$2.0B
+1.5% YoY
+3.9% QoQ
|
+$796.9M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.47%
+45.7% YoY
-4.4% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
2.91%
+17.3% YoY
+1.9% QoQ
|
-0.76% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
53.84%
-11.9% YoY
+4.4% QoQ
|
-8.80% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.00%
-94.6% YoY
-18.1% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
65.08%
+6.0% YoY
-3.2% QoQ
|
-17.98% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.79%
-5.0% YoY
+7.3% QoQ
|
-3.26% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.02%
-51.0% YoY
-5.7% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
13.77%
-0.3% YoY
+1.0% QoQ
|
+3.53% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.43%
+2.8% YoY
+27.7% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
84
84th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
82
82th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
75
75th pctile
Efficiency Ratio
Current: 53.84% · Tier avg: 62.63%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.77% · Tier avg: 10.24%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.79% · Tier avg: 21.05%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
14
14th pctile
Loan-to-Deposit Ratio
Current: 65.08% · Tier avg: 83.06%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 65.08% · Tier avg: 83.06%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.79% · Tier avg: 21.05%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.77% · Tier avg: 10.24%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
75
75th pctile
Efficiency Ratio
Current: 53.84% · Tier avg: 62.63%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%