Bank Five Nine: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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)
- Offices
- 19 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank Five Nine terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank Five Nine, freeBank Five Nine rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| 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
What the public regulatory sources show for Bank Five Nine, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank Five Nine headquartered?
Bank Five Nine is headquartered in Oconomowoc, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank Five Nine founded?
Bank Five Nine was established in 1859, per the FDIC institution directory.
Is Bank Five Nine FDIC-insured?
Yes. Bank Five Nine 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank Five Nine's CET1 capital ratio?
Bank Five Nine 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?
Bank Five Nine 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?
Bank Five Nine's Texas Ratio is 10.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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