Bank Five Nine
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Data as of · sourced from FFIEC call reports. How we update
Bank Five Nine is an FDIC-insured commercial bank headquartered in Oconomowoc, WI, established in 1859 (FDIC certificate 12517), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.53B, up 1.0% from Q2 2025, the 12th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.13% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12517
- Headquarters
- Oconomowoc, WI
- Established
- 1859
- Total assets, Q2 2026
- $2.53B
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 12.13%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 075902421
- Holding company
- OCONOMOWOC BANCSHARES, INC.
- Asset rank in state
- 12th of 153 in Wisconsin
Problem loans are rising at Bank Five Nine. It reported $2.5 billion in assets at June 30, 2026, up 1.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.19% of loans from 0.27% a year earlier. It holds 15% of its deposits (15%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 10.2% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 7.7% and deposits fell 0.0%.
As of June 30, 2026, Bank Five Nine reported a CET1 capital ratio of 12.13%, a return on assets of 1.14%, a nonperforming-loan ratio of 1.91% and a Texas ratio of 10.23%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Bank Five Nine is the 12th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.0% to $2.53B, loans rose 0.5% and deposits fell 3.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 56.4% of total loans, followed by 1-4 family residential loans at 17.6%. The FDIC Summary of Deposits lists 15 offices for it, in 11 cities in WI; its Oconomowoc 4 offices book 49% of its branch deposits. Judged on its Q2 2026 call report, Bank Five Nine meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 155 W Wisconsin Ave, Oconomowoc, WI 53066
- County
- Waukesha
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1859
- Former names
- First Bank Financial Centre (2000-2020); First Bank Financial Center (1998-2000); First Bank of Oconomowoc (1984-1998)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 342
- Domestic deposits
- $2.10B
- Allowance for credit losses
- $13.4M
- Net charge-offs (YTD)
- $277K
- Average total assets
- $2.61B
- Average total loans
- $2.06B
- Average interest-bearing deposits
- $2.16B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12517
- Fed RSSD
- 806846
- SEC CIK
- 1656126 → filed by OCONOMOWOC BANCSHARES, INC.
- Website
- WWW.BANKFIVENINE.COM →
- Parent Holding Company
- OCONOMOWOC BANCSHARES, INC. (RSSD 2320618)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank Five Nine's total assets moved between a low of $1.85B (Q3 2023) and a high of $2.67B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.53B total assets against $2.51B; $2.29B total liabilities against $2.31B.
$2.04B net loans and leases against $1.90B; $2.10B total deposits against $2.10B.
$336.6M securities against $258.6M; $43.8M cash and balances due against $250.3M.
$41.0M total interest income against $39.1M; $18.2M total interest expense against $20.6M.
$22.7M net interest income against $18.5M.
$6.3M total noninterest income against $6.8M; $18.1M total noninterest expense against $16.6M.
$1.9M provision for credit losses against $350K.
$7.4M net income against $6.9M.
1.14% return on assets against 1.10%; 3.64% net interest margin against 3.00%.
12.13% CET1 capital ratio against 10.90%; 9.77% tier 1 leverage ratio against 8.33%.
Inside the full Bank Five Nine terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank Five Nine rankings
Its closest position to the top of a national ranking is 491 of 4,196, for total assets; its furthest is 892 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q4 2025) to 1.48% (Q1 2026) and its net interest margin ran from 2.93% (Q1 2025) to 3.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.13% | 1.14% | 1.91% | 10.23% | 3.64% |
| Q1 2026 | 12.02% | 1.48% | 1.63% | 9.84% | 3.31% |
| Q4 2025 | 11.93% | 0.66% | 0.89% | 3.78% | 3.34% |
| Q3 2025 | 12.03% | 0.85% | 0.72% | 4.02% | 3.04% |
| Q2 2025 | 10.90% | 1.10% | 0.59% | 2.99% | 3.00% |
| Q1 2025 | 10.60% | 1.21% | 0.63% | 4.01% | 2.93% |
| Q4 2024 | 10.45% | 1.06% | 0.79% | 5.31% | 3.12% |
| Q3 2024 | 10.44% | 0.84% | 0.63% | 3.28% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank Five Nine (main office) | Oconomowoc , WI | 53066 | $775.9M |
| Germantown Branch | Germantown , WI | 53022 | $169.6M |
| Brookfield Branch | Brookfield , WI | 53045 | $166.8M |
| Hartland Branch | Hartland , WI | 53029 | $157.3M |
| Brown Street Branch | Oconomowoc , WI | 53066 | $141.3M |
| West Bend Branch | West Bend , WI | 53095 | $138.5M |
| Summit Avenue Branch | Oconomowoc , WI | 53066 | $120.5M |
| Mequon Branch | Mequon , WI | 53092 | $107.0M |
| Hartford Branch | Hartford , WI | 53027 | $94.4M |
| East Brookfield | Brookfield , WI | 53005 | $84.1M |
| Grafton Wi Branch | Grafton , WI | 53024 | $58.2M |
| Menomonee Falls Branch | Menomonee Falls , WI | 53051 | $50.2M |
| Glendale Branch | Glendale , WI | 53217 | $33.5M |
| Milwaukee Branch | Milwaukee , WI | 53202 | $1.5M |
| Shorehaven Branch | Oconomowoc , WI | 53066 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in WI, rank 15 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,681 applications, 1,312 loans originated, $439.6M originated, across 25 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 170 loans, $114.8M approved, $675K average. 0.59% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank Five Nine
What are Bank Five Nine's total assets?
As of the Q2 2026 filing, Bank Five Nine reported total assets of $2.53 billion in its FFIEC call report.
Where is Bank Five Nine headquartered?
It is headquartered in Oconomowoc, WI, United States.
When was Bank Five Nine founded?
It was established in 1859, per the FDIC institution directory.
Is Bank Five Nine FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank Five Nine?
Bank Five Nine's primary federal regulator is the FDIC.
What is Bank Five Nine's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.13% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank Five Nine operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank Five Nine's Texas Ratio?
Its Texas Ratio is 10.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bank Five Nine previously called?
The charter now named Bank Five Nine has also operated as First Bank Financial Centre (2000-2020), First Bank Financial Center (1998-2000), First Bank of Oconomowoc (1984-1998), per FDIC structure-change records.
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