# BANK FIVE NINE
OCONOMOWOC, WI · FDIC certificate 12517 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.53B | |
| Deposits | $2.10B | |
| Loans and leases | $2.06B | |
| Total equity | $242.8M | |
| Loans / deposits | 97.28% (p80 of band) | 87.10% |
| Liquid assets / assets | 15.02% (p23 of band) | |
| Uninsured deposits / deposits | 14.76% (p9 of band) | 30.76% |
| Brokered deposits | 7.53% | |
| Wholesale funding | 13.85% (p77 of band) | |
| FHLB advances / assets | 6.32% | |
| Tier 1 leverage | 9.77% (p31 of band) | 10.50% |
| Unrealized securities loss / equity | -8.25% (p48 of band) | -7.75% |
| AOCI / equity | -0.51% (p35 of band) | |
| ROA (annualized) | 1.32% (p57 of band) | 1.26% |
| Net interest margin | 3.55% (p40 of band) | 3.70% |
| Efficiency ratio | 58.63% (p49 of band) | |
| Noncurrent loans | 1.91% (p91 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p48 of band) | |
| Reserve coverage of noncurrent | 33.98% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 104.12% (p90 of band) | |
| Auto loans | $28,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 342 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling, charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | wholesale funding >15% |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 | reserve under noncurrent | capital falling |
| 2016-12 | 2 | expense ratio p90 | reserve under noncurrent |
| 2017-03 | 2 | capital falling | expense ratio p90 |
| 2017-06 | 2 | expense ratio p90 | capital falling |
| 2017-09 | 3 | reserve under noncurrent |  |
| 2017-12 | 4 | construction >100% equity |  |
| 2018-03 | 5 | loans exceed deposits |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 | noncurrent p90 | loans exceed deposits |
| 2018-12 | 6 | loans exceed deposits |  |
| 2019-03 | 4 |  | expense ratio p90, loans exceed deposits |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | noncurrent p90 |
| 2019-12 | 5 | loans exceed deposits, noncurrent p90 |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 3 |  | wholesale funding >15%, noncurrent p90 |
| 2020-09 | 2 | capital falling | construction >100% equity, loans exceed deposits |
| 2020-12 | 2 | wholesale funding >15% | capital falling |
| 2021-03 | 1 |  | wholesale funding >15% |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | wholesale funding >15%, capital falling |  |
| 2023-03 | 6 | loans exceed deposits, brokered >10%, uninsured deposits leaving |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 4 |  | loans exceed deposits, uninsured deposits leaving |
| 2024-06 | 5 | loans exceed deposits |  |
| 2024-09 | 6 | reserve under noncurrent |  |
| 2024-12 | 5 |  | loans exceed deposits |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | brokered >10% |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 2 |  | wholesale funding >15% |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Wisconsin community bank exits downtown Milwaukee after nearly a decade - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOWUl2aTlZTl9qYTVqTm5qOHVRMnFzMnJJU2dOQ1dUNFA4bFhTSXVvdmZRYXowOTJiN2hpcTVaMzNaWFRMcGNwMERaRmhaR3dFNFB6SmVZQzlTZmluQlBJeHFOY0FuSlRUNTZCMTN4UnFBdktBb0d6RlJUSWxyTHU4UzN1VHQ5d1hXUXJRNnZKeV84QjZOM3JoV19aQTFndHlhM1p2cFA5S2p1NlFO?oc=5) · The Business Journals
- 2026-09-03 [Washington County branches participate in Bank Five Nine School Supply Drive - GMToday.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOdktVdGFXazFmcGZ6TFdRLXo1TlUxV1diNGRUTjduNWhLSzFlbjR1OFNsakF1cGZnM01CMjdYeG1SYktYd3g1cG9NVTJvQkI5Z2NDWHc3TDJwUWtFcTFhblZWZXJ2ckpLQzBlcWYyVUltRjFtZ21FdkMyOFNxMDZVUWc2aFFoMXVad3VRMzIzT1p5NzVYR2FwVGNlcGRMQWhNTjN5NUE1U1NYdmo4cjdIQk9ILUhZbEZuc2xJU3MxRkh4cC1vZUFR?oc=5) · GMToday.com
- 2026-09-02 [Bank Five Nine - Urban Milwaukee](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5iMllfbFp6eko2MTNqQUZhd0VoZTNpd3FOLWt2ZWNDVlJ5dURKbFd6U1RVbE84NW5CVUg0MFRfQ29nUm9NRlYyY2xfamVJMm8zOHJnS0VFVXRrb0NKdndlTQ?oc=5) · Urban Milwaukee
- 2026-05-11 [Wisconsin State Fair announces their final 2026 Bank Five Nine Main Stage act - OnMilwaukee](https://news.google.com/rss/articles/CBMifkFVX3lxTE51bkNZdEVzZWh0Z3dyMkZkWE5zTG80eEJlUEEzRE9rOUZYUmJTVWh1a2ZCMTg2dGVCTzVoMVNXcnVUNEpmTEx6VWlYN21ySGdSX3Q2UmZibjdzV0hmLXFlT3ZDVmxpZWZVX0JIVUZELWFybnlYcFlhQlN2MU81QQ?oc=5) · OnMilwaukee
- 2025-10-31 [Milwaukee Athletics and Bank Five Nine Strengthen Partnership with On-Court Branding at UW-Milwaukee Panther Arena - Learfield](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNaF9tNnl0dDY1ZHpyTDViODdaMTllcmZVelJsclM2RXhSb2JEZ2VFMURJVjg2REVhRkVMZm8yOG1EX0RJdkRPWmdWOXBtdUtNdWpPWHJlOUdzQkNGNGk1dTJwMG5TUXdjUmNRMllTVDZmck9uUmZOdXhiQWRKSWNpVlhoVWVEeHZWYjl4dEh0VDYyazg4MFBIMVFSOFBUUk5GNGcyTDJ5UUY2a3FLNndOOE52bVNZSDNyRXZKVkpJRDFKR1hTX25hNXdnUUkwcUpxU01yS2FqRktYY2YwalFyZ0dEZw?oc=5) · Learfield
- 2026-05-08 [Here are the 2026 Wisconsin State Fair’s Bank Five Nine Amphitheater headliners - Milwaukee Record](https://news.google.com/rss/articles/CBMiswFBVV95cUxQclZnNC1FUVNlMHdSTmZxUnVoby1RZVdLSnZNQnVRQkNlNVhINlVMQmRSODA2bVJQUDU5WWJuU01VdVFUNzVKeHl0eXlCakxnNWRNOUdEN3B1bEZrc0wyZndIeXNiOWVqSWV3VWRWbUFXYUd5Qkk3YVh3MVVPR2NGSUYtZkVMdnM3SUZ1QUJ2dnpZdEZhQ2JuT3pFOFhpQmhCWUhuaE1ka19jcmpsNl9lMzRqZw?oc=5) · Milwaukee Record
- 2026-07-23 [The Beach Boys Wisconsin State Fair concert canceled - Amusement Today](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUm8wSFhvdlVmejg1NVBVY3A1T1F3aVFpTXd0ZXJ3aVVZUl9LT0JGREMxZVRXVm5QZmlURVRDQy1pTFQyYUJhcVhvbTJ0eHIxWWI5SXNmdnhvSUtCY1ljcklVZHdoejJDcHlSYWRWUkd5NkNROEc0YWpqLXY3bGllY2gxeWxFdk9ocEZRZmkxeXUwUQ?oc=5) · Amusement Today
- 2026-02-13 [AJR to Headline Bank Five Nine Main Stage at 2026 Wisconsin State Fair - Racine County Eye](https://news.google.com/rss/articles/CBMieEFVX3lxTFA5a0JCR2lXZTBjb01SemprVzhFMVM0NFFFSlJzaWxOTlNUal9paG9TQ2pITTVCU0xPYkRJZTV4WUlURU93Q3NaLTA3UUR1TGh1eHZfUE1xeE5rMk84ZTV0bnA2Y2xhNU9kLWF2S216Rk1JbkNmbWpDaA?oc=5) · Racine County Eye

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12517 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "12517", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide