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Five Points Bank
Grand Island, NE · FDIC Certificate #20488 · Chartered 09/1
Total assets
$2.24B
Total deposits
$2.04B
Total equity
$165.31M
Net loans
$1.39B
Branches (offices)
16
Net income (YTD)
$15.70M
Rank: #555 of 4,213 U.S. banks by assets · #6 of 138 in Nebraska. Assets changed 7.5% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 19.62% |
| Net interest margin (YTD) | 3.09% |
| Equity to assets | 7.37% |
| Tier 1 leverage ratio | 10.30% |
| Uninsured deposits (share of deposits) | 41.5% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 67.9% |
| Real estate loans (share of loans) | 68.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $954.03M | 68.8% | |
| Commercial & industrial | $370.41M | 26.7% | |
| Consumer / individual | $9.70M | 0.7% | |
| Construction & development | $113.64M | 8.2% | |
| Agricultural | $55.15M | 4.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.88B | $1.77B | $13.52M | $82.04M |
| Jun 2023 | $1.95B | $1.70B | $12.88M | $113.59M |
| Jun 2024 | $2.05B | $1.79B | $10.26M | $124.81M |
| Jun 2025 | $2.09B | $1.90B | $16.32M | $140.11M |
| Jun 2026 | $2.24B | $2.04B | $15.70M | $165.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $2.04B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.04B.
Similar-sized banks
American Bank & Trust ($2.25B) · Regent Bank ($2.24B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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