Is Five Points Bank Safe?
Five Points Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (62/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.56% | 89/100 |
| Nonperforming Loan Ratio | 0.06% | 99/100 |
| Liquidity Ratio | 39.06% | 100/100 |
| Return on Assets | 1.04% | 62/100 |
| Total Assets | $2.0B | |
How does Five Points Bank compare?
With a Bank Health Score of 92/100, Five Points Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Nebraska, where 120 FDIC-insured banks are headquartered, Five Points Bank ranks above the state average of 65/100 (Grade B).
The bank's Tier 1 capital ratio of 13.56% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.06% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Five Points Bank's Bank Health Score fell by 1.0 points to 92/100. Tier 1 capital was essentially flat at 13.56%. Quarter-over-quarter, the score rose by 1.0 points.
Five Points Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (62/100).