Five Points Bank

2015 North Broadwell Avenue
Grand Island, NE 68803


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20488
Date Established 1971
Assets $1.13 billion
Loans $0.75 billion
Deposits $0.97 billion
Capital $0.13 billion

Five Points Bank is an FDIC insured institution located in Grand Island, NE. It was founded in 1971 and has approximately $1.13 billion in assets. Customers can open an account at one of its 11 branches.

For a more detailed analysis of Five Points Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 21, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $2,500 $24,999 Learn MoreShow Less
Money Market
0.45% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.70% $500 - Learn MoreShow Less
6 Mo CD
0.85% $500 - Learn MoreShow Less
Special: 11 Mo CD
2.00% $500 - Learn MoreShow Less
12 Mo CD
1.26% $500 - Learn MoreShow Less
18 Mo CD
1.36% $500 - Learn MoreShow Less
Special: 19 Mo CD
2.35% $500 - Learn MoreShow Less
24 Mo CD
1.46% $500 - Learn MoreShow Less
36 Mo CD
1.96% $500 - Learn MoreShow Less
48 Mo CD
2.07% $500 - Learn MoreShow Less

Fixed IRA
1.26% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $200 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - August 21, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Five Points Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.527% 3.500% 0.38 $852 $1,123 Learn More
First Internet Bank
NMLS ID: 424182
3.656% 3.625% 0.38 $962 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Five Points Bank
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Five Points Bank Locations

Financial Details

Five Points Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Five Points Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Five Points Bank U.S. Bank Average
1.87% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Five Points Bank had $2,598,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $128,949,000 in equity and $9,979,000 in loans loss reserves. That gives it a Texas Ratio of 1.87%.

Return on Equity
Five Points Bank U.S. Bank Average
14.13% 9.47%

Five Points Bank has a Return on Equity of 14.13% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Five Points Bank U.S. Bank Average
11.38% 12.49%

Five Points Bank has a Capitalization of 11.38% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Five Points Bank Balance Sheet Analysis

As of March 31, 2019, Five Points Bank had assets of $1,133,574,000, loans of $752,580,000, and deposits of $974,524,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.09 billion
Interest-bearing balances $0.07 billion
Total securities $0.25 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.75 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $1.00 billion
Total deposits $0.97 billion
      Interest-bearing deposits $0.79 billion
      Deposits held in domestic offices $0.97 billion
      % insured (estimated) 77.72%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $1.00 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Five Points Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Nebraska, Five Points Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.75
Credit Card Loans 0.00
Consumer Auto Loans 0.86
Small Business Loans 10.93
Construction and Development Loans 4.91
Commercial Real Estate 31.97
Commercial and Industrial Loans 25.84
Farm Loans 7.49

Frequently Asked Questions About Five Points Bank

Branches and Savings

Is Five Points Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20488.

Why does Five Points Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Five Points Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Five Points Bank a commercial bank?


Where are Five Points Bank locations?

See branch locations nearby.

Is Five Points Bank open on Saturdays?

Is Five Points Bank open on Sundays?

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Are Five Points Bank ATMs Open 24/7?

Do Five Points Bank ATMs accept cash deposits?

Can Five Points Bank customers use other ATMs?

Do Five Points Bank branches have notaries?

Will Five Points Bank notarize my document?

What address for Five Points Bank should I put for incoming ACH transfers?

Will the Five Points Bank branch print checks?

Do Five Points Bank checks expire?

Does Five Points Bank require US citizenship to open account?

Can Five Points Bank close my account?

Does Five Points Bank Report to credit bureaus?

Does Five Points Bank Use Equifax?

What is Five Points Bank's ACH Routing Number?

What is Five Points Bank's SWIFT code?


Does Five Points Bank offer mortgages?

Compare mortgage rates here.

Does Five Points Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Five Points Bank offer personal loans?

Compare personal loan rates here.

Does Five Points Bank offer student loans?

Will Five Points Bank cash a check?

Will Five Points Bank redeem a savings bond?

Does Five Points Bank cash savings bonds?

Will Five Points Bank cash money orders?

Can Five Points Bank issue a money order?

Does Five Points Bank do currency exchange?

Background on The Bank

Who owns Five Points Bank?

How long has Five Points Bank been around?

Can Five Points Bank transfer to other banks?

Does Five Points Bank have quick pay?

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Where is Five Points Bank headquarters?

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