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Bank Five Nine

$1B-$10B Specialty: Commercial WI FDIC cert 12517

Designations: ✓ Community bank

Oconomowoc, WI

19 branches across WI

884 banks in the $1B-$10B peer group nationally 28 in WI
View $1B-$10B leaderboard (WI) →

Bank Five Nine has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.12% above tier average
  • + Efficiency Ratio 6.65% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 35.3% in tier
  • - Net Interest Margin 0.46% below tier average
  • - Delinquency Rate 0.75% above tier average
Get updates when Bank Five Nine releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $2.6B
+7.7% YoY -2.1% QoQ
-$205.8M $2.8B
-0.1% YoY
$1.1B
+10.1% YoY
$6.2B
+9.1% YoY
63%
Total Loans ? $2.0B
+7.2% YoY +0.8% QoQ
+$67.8M $2.0B
+0.6% YoY
$816.7M
+9.9% YoY
$3.2B
+10.8% YoY
68%
Total Deposits ? $2.2B
+7.2% YoY -3.1% QoQ
-$169.1M $2.3B
-0.3% YoY
$905.4M
+9.0% YoY
$4.8B
+8.2% YoY
63%
Return on Assets ? 1.48%
+21.3% YoY +54.4% QoQ
+0.12% 1.37%
+19.6% YoY
1.50%
+15.4% YoY
1.23%
+13.4% YoY
70%
Net Interest Margin ? 3.36%
+11.0% YoY +4.4% QoQ
-0.46% 3.82%
+6.9% YoY
3.77%
+9.2% YoY
3.89%
+5.7% YoY
33%
Efficiency Ratio ? 54.41%
-9.9% YoY -19.0% QoQ
-6.65% 61.06%
-4.6% YoY
64.74%
-4.5% YoY
66.95%
-4.1% YoY
66%
Delinquency Rate ? 1.64%
+159.9% YoY +84.1% QoQ
+0.75% 0.89%
+14.1% YoY
0.87%
+31.3% YoY
0.95%
+18.8% YoY
Bottom 13.1% in tier
Loan-to-Deposit Ratio ? 93.49%
+0.0% YoY +4.0% QoQ
+9.28% 84.20%
+0.3% YoY
86.53%
+1.6% YoY
76.70%
+0.9% YoY
28%
Non-Interest-Bearing Deposit Share ? 10.12%
+7.9% YoY +3.9% QoQ
-11.17% 21.29%
-2.5% YoY
18.27%
-0.8% YoY
22.01%
-1.2% YoY
Bottom 11.9% in tier
Nonperforming Asset Ratio ? 1.34%
+149.6% YoY +82.8% QoQ
+0.66% 0.67%
+15.6% YoY
0.63%
+35.0% YoY
0.67%
+19.3% YoY
Bottom 12.7% in tier
Tier 1 Capital Ratio ? 12.02%
+13.4% YoY +0.8% QoQ
-3.14% 15.16%
+2.0% YoY
14.74%
+0.5% YoY
17.06%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.21%
-3.4% YoY -74.1% QoQ
-0.04% 0.26%
+1.6% YoY
1.15%
+12.5% YoY
0.32%
+4.1% YoY
75%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#119 of 334 • Bottom 35.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.49%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

780
Non-Interest-Bearing Deposit Share
funding
Value: 10.12%
Peer Median: 21.29%
#780 of 884 Bottom 11.9% in $1B-$10B
773
Nonperforming Asset Ratio
credit_quality
Value: 1.34%
Peer Median: 0.67%
#773 of 884 Bottom 12.7% in $1B-$10B
766
Delinquency Rate
credit_quality
Value: 1.64%
Peer Median: 0.89%
#766 of 880 Bottom 13.1% in $1B-$10B
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