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Bank Five Nine
Oconomowoc, WI · FDIC Certificate #12517 · Chartered 09/0
Total assets
$2.53B
Total deposits
$2.10B
Total equity
$242.78M
Net loans
$2.04B
Branches (offices)
15
Net income (YTD)
$17.18M
Rank: #499 of 4,213 U.S. banks by assets · #12 of 153 in Wisconsin. Assets changed 1.0% and deposits -0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 14.51% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 9.59% |
| Tier 1 leverage ratio | 9.77% |
| Uninsured deposits (share of deposits) | 14.8% |
| Noncurrent loans (share of loans) | 1.91% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 97.3% |
| Real estate loans (share of loans) | 96.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.96B | 96.2% | |
| Commercial & industrial | $81.24M | 4.0% | |
| Consumer / individual | $626.00K | 0.0% | |
| Construction & development | $252.80M | 12.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.51B | $1.29B | $8.43M | $154.19M |
| Jun 2023 | $1.78B | $1.43B | $6.11M | $158.56M |
| Jun 2024 | $2.08B | $1.69B | $7.08M | $167.78M |
| Jun 2025 | $2.51B | $2.10B | $14.12M | $195.38M |
| Jun 2026 | $2.53B | $2.10B | $17.18M | $242.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $2.10B | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.10B.
Similar-sized banks
American National Bank & Trust ($2.54B) · Community National Bank & Trust ($2.53B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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