Bank Five Nine: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 3.89 percentage points in Q2 2026, from 94.03% to 97.92%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Bank Five Nine is 102nd of 153 on return on assets, 1.14% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Bank Five Nine sits 0.14 points lower, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.13% |
| Tier 1 risk-based capital ratio | 12.13% |
| Total risk-based capital ratio | 12.78% |
| Tier 1 leverage ratio | 9.77% |
| Equity capital to assets | 9.59% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.91% |
| Non-performing assets ratio | 1.61% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 10.23% |
| Allowance for credit losses to loans | 0.65% |
| Reserve coverage of non-performing loans | 33.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 12.37% |
| Net interest margin | 3.64% |
| Efficiency ratio | 62.45% |
| Yield on earning assets | 6.56% |
| Cost of funds | 2.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.92% |
| Core deposits to total deposits | 76.12% |
| Brokered deposits to total deposits | 9.09% |
| Deposits to assets | 82.87% |
| Securities to assets | 13.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.52% | 11.52% | 12.10% | 9.94% | 0.53% |
| Q4 2023 | 10.87% | 10.87% | 11.41% | 9.47% | 0.68% |
| Q1 2024 | 11.55% | 11.55% | 12.12% | 9.16% | 0.75% |
| Q2 2024 | 10.81% | 10.81% | 11.34% | 9.05% | 0.64% |
| Q3 2024 | 10.44% | 10.44% | 10.94% | 8.89% | 0.84% |
| Q4 2024 | 10.45% | 10.45% | 10.93% | 8.66% | 1.06% |
| Q1 2025 | 10.60% | 10.60% | 11.09% | 8.48% | 1.21% |
| Q2 2025 | 10.90% | 10.90% | 11.40% | 8.33% | 1.10% |
| Q3 2025 | 12.03% | 12.03% | 12.55% | 9.14% | 0.85% |
| Q4 2025 | 11.93% | 11.93% | 12.48% | 9.09% | 0.66% |
| Q1 2026 | 12.02% | 12.02% | 12.60% | 9.41% | 1.48% |
| Q2 2026 | 12.13% | 12.13% | 12.78% | 9.77% | 1.14% |
Bank Five Nine vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Five Nine, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank Five Nine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12517) · FFIEC NIC profile (RSSD 806846)