Five Points Bank

What Five Points Bank does

Five Points Bank is a privately-held, FDIC-insured community bank headquartered in Grand Island, Nebraska, operating as a division of holding company Hometown Banc Corp. The bank provides consumer, business, agricultural, mortgage, and wealth management banking through roughly 15 branches concentrated in central and eastern Nebraska, including Grand Island, Hastings, Kearney, Lincoln, Omaha, Elkhorn, La Vista, and Sumner. Its core products span checking, savings, money market, CDs, IRAs, HSAs, credit cards, and personal loans on the consumer side; commercial lending, cash management, and business deposit products on the business side; specialized agricultural loans for Nebraska farm and ranch operations; and home mortgage origination plus trust, investment management, and financial planning services.

Name

Five Points Bank

Legal name

Five Points Bank

Website

https://5pointsbank.com

Company type

Private

Founded year

1905

Operating status

Operating

Headcount range

251–500 employees

Short description

Five Points Bank is a privately-held Nebraska community bank offering consumer, business, agricultural, mortgage, and wealth management banking through 15+ branches across central and eastern Nebraska under Hometown Banc Corp.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Community banking
• Agricultural lending
• Home mortgage lending
• Wealth management services
• Business banking services

Headquarters

HQ city

Grand Island

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional bank lending revenue generated from interest on consumer loans, business loans, agricultural loans, and home mortgages. The bank offers various lending products including checking credit, savings accounts, certificates of deposits, IRA accounts, and specialized agricultural financing.
2. Banking Fees and Service Charges: Fees associated with checking accounts, savings accounts, ATM usage (including out-of-network fees), wire transfers, and other banking services.
3. Wealth Management Services: Trust services, investment management, and financial planning services offered through the Wealth Management division, generating fee-based revenue.
4. Mortgage Banking: Home mortgage origination and lending services through the Home Mortgage division, generating origination fees and servicing revenue.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Five Points Bank provides traditional community banking products to consumers, businesses, and agricultural customers in Nebraska. Its core offerings span personal deposit accounts, consumer and business lending, agricultural financing, home mortgages, and wealth management services, delivered through 15+ physical branches plus Fiserv-powered online and mobile banking platforms.

Product overview

Five Points Bank offers a comprehensive suite of banking products and services through a unified platform approach. The core offerings include Personal Banking (checking, savings, CDs, IRAs, HSAs, credit cards, loans), Business Banking (lending, cash management, business accounts), Agriculture Banking (specialized loans and services for farmers), Home Mortgage Loans (with dedicated portals for different divisions), and Wealth Management (trust, investments, planning). Digital banking services are delivered through Online Banking and Mobile Banking platforms powered by Fiserv. The bank operates two sub-brands: Five Points Bank of Hastings (a separate division in Hastings, Nebraska) and Golden Club (senior-focused services). Additional offerings include MoneyiQ financial education, eLearning Center tutorials, and Financial Calculators. All services are FDIC-insured and backed by Hometown Banc Corp.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Core consumer banking services including checking accounts, savings accounts, money market accounts, certificates of deposit, IRA accounts, health savings accounts, credit cards, and personal loans for individual consumers and households.
• Business Banking Commercial banking services including business lending, cash management, business checking, business savings, business certificates of deposit, and business credit cards for small and medium-sized businesses.
• Agriculture Banking Specialized banking services for agricultural customers including agricultural loans (operating, equipment, land), cash management, and personal financial statement tools, targeted at Nebraska farmers, ranchers, and agricultural operations.
• Home Mortgage Loans Residential mortgage lending including mortgage applications, various loan types, refinancing, loan process guidance, and dedicated mortgage portals for Five Points Bank and Five Points Bank of Hastings divisions, serving Nebraska homebuyers and homeowners.
• Wealth Management Comprehensive wealth services including trust services (TrustReporter login), investment management (Five Points Financial), and financial planning, targeted at high-net-worth individuals and families for estate planning, wealth preservation, and retirement planning.
• Online Banking Digital banking platform enabling account access, bill payment, account management, transaction monitoring, and electronic statements via web browser, available for personal and business banking customers with enrollment functionality.
• Mobile Banking Smartphone and tablet banking application with account access, mobile check deposit, bill payment, fingerprint/Touch ID authentication, card controls, location-based services, and SMS/push notifications.
• Golden Club Senior banking program offering specialized services and benefits tailored for mature customers within the Personal Banking division.

Quantifiable outcome

• Top-performing bank ranking among $2B-$10B asset banks

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Fiserv, Inc.coreTechnology or IntegrationFiserv provides the digital banking technology platform powering Five Points Bank's mobile banking, online banking, and account management systems. The partnership enables mobile banking apps, digital account access, and transaction processing capabilities.
• MoneyPasscoreChannel Partner/ Reseller/ DistributorFive Points Bank is a member of the MoneyPass ATM network, providing customers access to over 25,000 fee-free ATMs across the nation. This partnership extends the bank's ATM footprint beyond its physical locations.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Heartland Financial USA (HTLF): Heartland Financial is a multi-bank holding company operating independent community banks across the Midwest and Southwest. Its bank-by-bank model and range of retail/commercial/ag services benchmark the institutional model Five Points could grow into.
• First National Bank of Omaha: FNBO is the largest Nebraska-based bank, offering the same core retail, business, mortgage, and wealth services as Five Points but at substantially greater scale and geographic reach across multiple states. It anchors the competitive set Five Points must benchmark against.

Direct peers

• Pinnacle Bank: Pinnacle Bank is a Nebraska-based community bank with multiple branches across central and eastern Nebraska offering personal, business, and agricultural banking. It is one of the closest like-for-like peers to Five Points Bank in scale, market, and product mix.
• First State Bank Nebraska: First State Bank Nebraska is a Nebraska-based community bank offering personal, business, mortgage, and ag banking to rural and mid-sized markets. Its scale, footprint, and product breadth align closely with Five Points.
• Cornerstone Bank: Cornerstone Bank is a Nebraska community bank headquartered in York, NE, offering personal, business, and ag banking with a similar family-owned, relationship-driven approach. Its scale, geography, and vertical mix make it a natural comparable.

Regional players

• Great Western Bank: Great Western Bank (now part of First Interstate) is a multi-state community and commercial bank serving Plains and Western states. Its branch-led retail and ag lending model closely mirrors Five Points' playbook while operating across a broader geography.
• Stearns Bank: Stearns Bank is a privately held regional bank holding company with branches in Minnesota and the broader Midwest offering commercial, equipment finance, and retail banking. It serves as a comparable example of a privately held, multi-state community bank holding structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/5pointsbank
• Facebookfacebook.com/5pointsbank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Five Points Bank