Bank Five Nine: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank Five Nine of Oconomowoc, WI against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.34% | -0.20% | 37th below |
| ROAE Ahead of the peer average, behind the median peer. | 12.37% | 12.34% | +0.03% | 49th below |
| Net Interest Margin | 3.64% | 3.83% | -0.19% | 44th below |
| Efficiency Ratio | 62.45% | 58.97% | +3.48% | 37th below |
| PPNR / Avg Assets | 1.67% | — | — | 44th below |
| Yield on Earning Assets | 6.56% | 5.71% | +0.85% | 90th top |
| Cost of Funds | 2.86% | 2.02% | +0.84% | 11th bottom |
| Net Interest Spread | 3.04% | — | — | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.91% | 0.87% | +1.04% | 9th bottom |
| NPA / Total Assets | 1.61% | — | — | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 40th below |
| ACL / Total Loans | 0.65% | — | — | 7th bottom |
| ACL / NPLs (Coverage) | 33.98% | — | — | 3rd bottom |
| Texas Ratio | 10.23% | 5.48% | +4.75% | 17th bottom |
| Provision / NCO | 664.34% | — | — | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.13% | 14.99% | -2.86% | 27th below |
| Tier 1 Ratio | 12.13% | 15.02% | -2.89% | 27th below |
| Total Capital Ratio | 12.78% | — | — | 18th bottom |
| Leverage Ratio | 9.77% | 11.11% | -1.34% | 30th below |
| Equity / Assets | 9.59% | 11.02% | -1.43% | 35th below |
| TCE / Tangible Assets | 9.49% | — | — | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.92% | 86.99% | +10.93% | 21st bottom |
| Core Deposit Ratio | 76.12% | 85.57% | -9.45% | 15th bottom |
| Uninsured Deposit Ratio | 14.76% | 33.19% | -18.43% | 92nd top |
| Wholesale Funding Ratio | 6.32% | — | — | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.05% | — | — | 20th bottom |
| Loan Growth (Y/Y) | 7.75% | — | — | 62nd above |
| Deposit Growth (Y/Y) | -0.03% | — | — | 18th bottom |
See Bank Five Nine's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank Five Nine, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank Five Nine profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bank Five Nine peer analysis.