Bank Five Nine
Bank Five Nine reported total assets of $2.5 bn at Q2 2026, up 1.0% on a year earlier, the 493rd largest of 497 banks in our US coverage. The CET1 capital ratio at Bank Five Nine was 12.13%, and the uninsured share of Bank Five Nine was 14.76%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Bank Five Nine slipped from 275th to 453rd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Bank Five Nine reports one of the lowest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 14.76% at , where the median of the 339 banks is 32.61% (FDIC Call Reports).
What sets Bank Five Nine apart
How large is Bank Five Nine?
The balance sheet of Bank Five Nine at : assets $2.5 bn, deposits $2.1 bn, net loans $2.0 bn (loans equal to 97.28% of deposits). Securities make up 13.3% of total assets at Bank Five Nine. Since , when Bank Five Nine held $982.9 mn, its assets grew 157.7%. In the year to , deposits at Bank Five Nine fell 0.0% while its total assets rose 1.0%. At , Bank Five Nine employed 342 full-time equivalent staff across 19 offices, about $7.4 mn of assets per employee and $110.5 mn of deposits per office.
How much funding at Bank Five Nine is uninsured?
At Bank Five Nine, uninsured deposits (above the FDIC limit) made up 14.76% of domestic deposits at (+2.79 pp on a year earlier); Bank Five Nine ranks 448th of 500 on this measure. In dollars, Bank Five Nine estimated $309.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | 0.0% | 487th of 499 |
| Net loans and leases | $2.0 bn | +7.6% | 437th of 500 |
| Loan-to-deposit ratio | 97.28% | +6.89 pp | 86th of 500 |
| Tier 1 leverage ratio | 9.77% | +1.44 pp | 333rd of 500 |
| Total risk-based capital ratio | 12.78% | +1.37 pp | 376th of 448 |
| Net interest margin | 3.55% | +0.45 pp | 279th of 500 |
| Return on assets (ROA) | 1.32% | +0.15 pp | 238th of 500 |
| Efficiency ratio | 58.63% | -4.61 pp | 308th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $20.0 mn | Narrowed by $1.6 mn | |
| Noncurrent loans to total loans | 1.91% | +1.33 pp | 453rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | +0.04 pp | 154th of 500 (1 = lowest) |
US rank of Bank Five Nine: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank Five Nine: assets, deposits and loans
- Total assets $2.5bn
- Deposits $2.1bn
- Net loans $2.0bn
Capital and securities
The CET1 ratio of Bank Five Nine stood at 12.13% in , +1.23 pp year on year. Low and high at Bank Five Nine since : 10.44% () to 15.92% (). Equity capital of Bank Five Nine at : $242.8 mn, or 9.6% of total assets. Bank Five Nine also reported a total capital ratio of 12.78% for , and a tier 1 leverage ratio of 9.77%.
The available-for-sale portfolio of Bank Five Nine showed an unrealized loss of $20.0 mn at ; the loss narrowed by $1.6 mn over the year.
Bank Five Nine: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.8%
Bank Five Nine: unrealized securities gains and losses
- Available for sale -$20mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bank Five Nine earned a return on equity of 14.51%; return on assets: 1.32%. Net interest margin at Bank Five Nine: 3.55%, +0.45 pp in a year. Bank Five Nine net income: $17.2 mn, up 21.7% year on year. The efficiency ratio of Bank Five Nine was 58.63%: about 59 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 1.91% of total loans at Bank Five Nine; net charge-offs: 0.03% of average loans. Gross loans and leases at Bank Five Nine: $2.1 bn, up 7.7% in a year.
Bank Five Nine: profitability
- Return on equity 15%
- Net interest margin 3.5%
- Return on assets 1.3%
Peer group of Bank Five Nine
The peer group of Bank Five Nine is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Bank Five Nine (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Wisconsin. Against them, Bank Five Nine shows CET1 ratio 12.13% against a peer median of 13.04%, return on equity 14.51% against a peer median of 13.82% and uninsured deposit share 14.76% against a peer median of 42.20%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Horizon Bank, SSB | State-chartered stock savings bank | TX | $2.6 bn | 11.99% | 20.71% | 50.64% | |
| Community National Bank | National bank | TX | $2.5 bn | 17.14% | 16.91% | 48.60% | |
| American National Bank & Trust | National bank | TX | $2.5 bn | 12.66% | 9.72% | 39.33% | |
| Bank Five Nine | State nonmember bank | WI | $2.5 bn | 12.13% | 14.51% | 14.76% | |
| Community National Bank & Trust | National bank | KS | $2.5 bn | 13.04% | 13.39% | 16.59% | |
| South Shore Bank | State member bank | MA | $2.5 bn | 13.87% | 7.42% | 45.08% | |
| United Bank of Iowa | State nonmember bank | IA | $2.5 bn | not reported | 14.25% | 18.23% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank Five Nine, to : assets +16.0%, deposits +17.7%, equity +37.0%. Staff 329 to 342.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.2 bn | $2.3 bn | $2.4 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.6 bn | $2.5 bn |
| Total deposits | $1.8 bn | $1.9 bn | $2.0 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.1 bn |
| Bank equity capital | $177.2 mn | $177.9 mn | $188.1 mn | $195.4 mn | $226.2 mn | $230.7 mn | $236.9 mn | $242.8 mn |
| CET1 ratio | 10.44% | 10.45% | 10.60% | 10.90% | 12.03% | 11.93% | 12.02% | 12.13% |
| Return on equity (ROE) | 9.17% | 10.30% | 15.73% | 15.09% | 13.29% | 11.80% | 16.71% | 14.51% |
| Uninsured share of domestic deposits | 11.77% | 11.30% | 12.11% | 11.97% | 13.33% | 13.37% | 13.62% | 14.76% |
| Full-time equivalent employees | 329 | 335 | 327 | 341 | 343 | 343 | 339 | 342 |
| Number of offices | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Bank Five Nine appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Bank Five Nine?
Bank Five Nine reported $2.5 bn at in its Call Report. That makes Bank Five Nine the 493rd largest of 497 banks in our US coverage.
Is Bank Five Nine the same as its holding company?
No. This page covers Bank Five Nine, FDIC certificate 12517; OCONOMOWOC BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank Five Nine profitable?
Bank Five Nine reported net income of $17.2 mn for the year to ; annualized return on equity: 14.51%. So yes: Bank Five Nine made a profit over these months.
When is data for Bank Five Nine next updated?
Figures from Bank Five Nine for are due after .
Where can I check the figures for Bank Five Nine?
In the FDIC BankFind Suite record for certificate 12517, and in the Call Reports of Bank Five Nine (RSSD ID 806846) at the FFIEC Central Data Repository.