Five Points Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.2). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 10.2.
Asset Mix:
Securities (26%), comm re (19%), comm loans (16%), home mtgs (8%), cash (7%), home eq lns (1%), consumer loans (0%), other (22%)
States with Branches:
NE
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Hometown Banc Corp
Investment Rating
--
Address
2015 North Broadwell Avenue
Grand Island, NE 68803
Grand Island, NE 68803
Phone Number
(308) 384-5350
Year Founded
1971
FDIC Number
Website
Largest Affiliates
Hastings, NE
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Bank