Five Points Bank of Hastings

Headquarters

2815 Osborne Drive West
Hastings, NE 68902
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.05% →
1-Year CD 0.40% 0.95% →
2-Year CD 0.45% 1.05% →
5-Year CD 0.55% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Five Points Bank of Hastings is an FDIC insured institution located in Hastings, NE. It was founded in 1893 and has approximately $0.35 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 14312
Date Established 1893
Assets $ 352.79 million
Loans $ 175.93 million
Deposits $ 301.37 million
Capital $ 41.90 million
 

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

Deposit Rates - September 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 - Learn More
Money Market
0.10% $2,500 $9,999 Learn More
Money Market
0.15% $10,000 $24,999 Learn More
Money Market
0.15% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $500 - Learn More
6 Mo CD
0.30% $500 - Learn More
12 Mo CD
0.40% $500 - Learn More
18 Mo CD
0.45% $500 - Learn More
24 Mo CD
0.45% $500 - Learn More
30 Mo CD
0.55% $500 - Learn More
36 Mo CD
0.55% $500 - Learn More
48 Mo CD
0.55% $500 - Learn More
60 Mo CD
0.55% $500 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - September 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Five Points Bank of Hastings

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




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Five Points Bank of Hastings
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Five Points Bank of Hastings branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Five Points Bank of Hastings Locations


Financial Details

Five Points Bank of Hastings Ratio Analysis

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

Texas Ratio
Five Points Bank of Hastings U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Five Points Bank of Hastings had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $41,901,000 in equity and $2,302,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Five Points Bank of Hastings U.S. Bank Average
9.3% 7.80%

Five Points Bank of Hastings has a Return on Equity of 9.3% versus the BestCashCow average of 7.80%. 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.

Capitalization
Five Points Bank of Hastings U.S. Bank Average
11.88% 12.68%

Five Points Bank of Hastings has a Capitalization of 11.88% versus the BestCashCow average of 12.68. 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 of Hastings Balance Sheet Analysis

As of March 31, 2020, Five Points Bank of Hastings had assets of $352,785,000, loans of $175,928,000, and deposits of $301,367,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 78.13 million
Interest-bearing balances $ 75.65 million
Total securities $ 82.70 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 175.93 million
Loan loss allowance $ 2.30 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.51 million
All other assets $ 13.02 million
     Total Assets $ 310.89 million
LIABILITIES
Total deposits $ 301.37 million
      Interest-bearing deposits $ 264.54 million
      Deposits held in domestic offices $ 301.37 million
      % insured (estimated) 53.62%
Federal funds purchased and repurchase agreements $ 4.02 million
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 0.50 million
      Total Liabilities $ 310.89 million
      Shareholders’ Equity $ 41.90 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.04 million
Total Interest Expense $ 0.71 million
Net interest income $ 2.33 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.26 million
Total non interest expense $ 1.52 million
Pre-tax Net Operating Income $ 1.07 million

Bank Loan Profile?

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

Compared to other banks in Nebraska, Five Points Bank of Hastings has a significantly higher percent of Small Business Loans, Commercial Real Estate 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.03
Multifamily
Mortgages
4.12
Credit Card Loans 0.00
Consumer Auto Loans 0.28
Small Business Loans 11.38
Construction and Development Loans 3.49
Commercial Real Estate 27.50
Commercial and Industrial Loans 18.90
Farm Loans 15.64

Frequently Asked Questions About Five Points Bank Of Hastings

Branches and Savings

Is Five Points Bank Of Hastings FDIC insured?

Yes. It is covered under FDIC Certificate #14312.

Why does Five Points Bank Of Hastings 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 Of Hastings CD rates not competitive?

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

Is Five Points Bank Of Hastings a commercial bank?

Yes

Where are Five Points Bank Of Hastings locations?

See branch locations nearby.

Is Five Points Bank Of Hastings open on Saturdays?

Is Five Points Bank Of Hastings open on Sundays?

What time does Five Points Bank Of Hastings open?

What time does Five Points Bank Of Hastings close?

Are Five Points Bank Of Hastings ATMs Open 24/7?

Do Five Points Bank Of Hastings ATMs accept cash deposits?

Can Five Points Bank Of Hastings customers use other ATMs?

Do Five Points Bank Of Hastings branches have notaries?

Will Five Points Bank Of Hastings notarize my document?

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

Will the Five Points Bank Of Hastings branch print checks?

Do Five Points Bank Of Hastings checks expire?

Does Five Points Bank Of Hastings require US citizenship to open account?

Can Five Points Bank Of Hastings close my account?

Does Five Points Bank Of Hastings Report to credit bureaus?

Does Five Points Bank Of Hastings Use Equifax?

What is Five Points Bank Of Hastings's ACH Routing Number?

What is Five Points Bank Of Hastings's SWIFT code?

Products

Does Five Points Bank Of Hastings offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Five Points Bank Of Hastings offer personal loans?

Compare personal loan rates here.

Does Five Points Bank Of Hastings offer student loans?

Will Five Points Bank Of Hastings cash a check?

Will Five Points Bank Of Hastings redeem a savings bond?

Does Five Points Bank Of Hastings cash savings bonds?

Will Five Points Bank Of Hastings cash money orders?

Can Five Points Bank Of Hastings issue a money order?

Does Five Points Bank Of Hastings do currency exchange?

Background on The Bank

Who owns Five Points Bank Of Hastings?

How long has Five Points Bank Of Hastings been around?

Can Five Points Bank Of Hastings transfer to other banks?

Does Five Points Bank Of Hastings have quick pay?

Does Five Points Bank Of Hastings accept rolled coins?

Will Five Points Bank Of Hastings accept loose change?

Where is Five Points Bank Of Hastings headquarters?

Customer Reviews for Five Points Bank of Hastings

There are currently no comments for Five Points Bank of Hastings. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →