BlastPoint's Banking Scorecard
Bank Five Nine
Designations: ✓ Community bank
Oconomowoc, WI
19 branches across WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits -0.0% year over year ($2.1B on the books).
- Delinquency rate 1.92%.
- Return on assets 1.32%.
- Efficiency ratio 58.63% vs a 59.73% peer average.
- Loan-to-deposit ratio 97.28% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank Five Nine has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.09% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.06% above tier average
- - Nonperforming Asset Ratio 0.94% above tier average
- - ROA 0.07% below tier average
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+1.0% YoY
-3.0% QoQ
|
-$260.6M |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$2.0B
+7.6% YoY
+0.4% QoQ
|
+$78.5M |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$2.1B
-0.0% YoY
-3.5% QoQ
|
-$220.1M |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
1.32%
+12.6% YoY
-10.8% QoQ
|
-0.07% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.55%
+14.3% YoY
+5.6% QoQ
|
-0.32% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
58.63%
-7.3% YoY
+7.8% QoQ
|
-1.09% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
1.92%
+226.2% YoY
+17.3% QoQ
|
+1.06% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.4% in tier |
| Loan-to-Deposit Ratio ? |
97.28%
+7.6% YoY
+4.1% QoQ
|
+12.25% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
11.00%
+10.0% YoY
+8.7% QoQ
|
-10.27% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.9% in tier |
| Nonperforming Asset Ratio ? |
1.61%
+235.1% YoY
+20.6% QoQ
|
+0.94% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.7% in tier |
| Tier 1 Capital Ratio ? |
12.13%
+11.3% YoY
+0.9% QoQ
|
-2.72% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.47%
-3.8% YoY
+118.3% QoQ
|
-0.06% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.0%
+1.0pp YoY +0.9pp QoQ |
-10.4pp | 21.4% | 18.9% | 22.2% | 12% |
| Brokered Deposits |
9.1%
-2.6pp YoY -0.4pp QoQ |
-0.4pp | 9.5% | 9.2% | 8.5% | 66% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
+0.9pp YoY -0.2pp QoQ |
-10.0pp | 14.0% | 10.5% | 12.5% | 13% |
| CRE |
78.5%
+2.3pp YoY +0.9pp QoQ |
+28.5pp | 50.0% | 46.4% | 41.4% | 94% |
| 1-4 Family |
17.7%
-3.1pp YoY -0.6pp QoQ |
-8.8pp | 26.4% | 32.3% | 31.3% | 37% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 2.6% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
+1.2pp YoY +0.1pp QoQ |
-3.5pp | 15.6% | 15.5% | 19.7% | 27% |
| Leverage Ratio |
9.8%
+1.4pp YoY +0.4pp QoQ |
-1.5pp | 11.3% | 12.6% | 12.6% | 31% |
| Total Capital Ratio |
12.8%
+1.4pp YoY +0.2pp QoQ |
-3.9pp | 16.7% | 16.6% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
342
+1 (+0.3%) YoY +3 (+0.9%) QoQ |
+28 | 313 | 134 | 482 | 72% |
| Assets per Employee ($) |
$7.4M
+0.8% YoY -3.8% QoQ |
-$3.1M | $10.5M | $8.2M | $8.8M | 29% |
| Branch Count |
19
0 YoY 0 QoQ |
-1 | 20 | 9 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.4% | 0.4% | 0% |
| Nonaccrual |
1.9%
+1.3pp YoY +0.3pp QoQ |
+1.1pp | 0.8% | 0.9% | 1.0% | 92% |
| Allowance Coverage |
0.34x
-60.4% YoY -4.1% QoQ |
-18.37x | 18.71x | 56.89x | 20.23x | 3% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.0% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
-0.6pp YoY -2.2pp QoQ |
+1.9pp | 12.6% | 11.8% | 11.6% | 69% |
| Cost of Funds (YTD) |
3.1%
-0.4pp YoY -0.1pp QoQ |
+1.1pp | 1.9% | 1.8% | 1.7% | 96% |
| Net Income ($, YTD) |
$17.2M
+21.7% YoY — QoQ |
-$2.1M | $19.2M | $7.9M | $40.4M | 65% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.