Bank Five Nine (FDIC certificate #12517) is based in Oconomowoc, Wisconsin. Its Q2 2026 call report shows $2.5B in total assets and $2.1B in deposits and 19 offices.
Based on its Q2 2026 filing, Bank Five Nine scores 54/100, which we describe as below average. That is higher than only 12% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 139th. Its strongest component is earnings (73/100; 1.32%), and its lowest is loan quality (36/100; 1.91%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (63 → 54), mostly because the loan quality component weakened by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 59 |
| Q4 2024 | 58 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 60 |
| Q1 2026 | 58 |
| Q2 2026 | 54 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.05% |
| Q3 2024 | 8.89% |
| Q4 2024 | 8.66% |
| Q1 2025 | 8.48% |
| Q2 2025 | 8.33% |
| Q3 2025 | 9.14% |
| Q4 2025 | 9.09% |
| Q1 2026 | 9.41% |
| Q2 2026 | 9.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.63% |
| Q2 2026 | 1.91% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.83% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.06% |
| Q4 2025 | 0.96% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $2.5B | 9.77% | 1.91% | 1.32% | 97.3% |
| Q1 2026 | 58 | $2.6B | 9.41% | 1.63% | 1.48% | 93.5% |
| Q4 2025 | 60 | $2.7B | 9.09% | 0.89% | 0.96% | 89.9% |
| Q3 2025 | 63 | $2.6B | 9.14% | 0.72% | 1.06% | 88.9% |
| Q2 2025 | 63 | $2.5B | 8.33% | 0.59% | 1.17% | 90.4% |
| Q1 2025 | 63 | $2.4B | 8.48% | 0.63% | 1.22% | 93.5% |
| Q4 2024 | 58 | $2.3B | 8.66% | 0.79% | 0.83% | 98.6% |
| Q3 2024 | 59 | $2.2B | 8.89% | 0.63% | 0.75% | 100.5% |
| Q2 2024 | 62 | $2.1B | 9.05% | 0.39% | 0.70% | 102.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| North Shore BankBank Brookfield, WI | 84 out of 100, Strong | $2.6B | 14.4% | 0.10% | vs |
| One Community BankBank Oregon, WI | 74 out of 100, Strong | $2.6B | 12.8% | 0.58% | vs |
| WaterStone Bank, SSBBank Wauwatosa, WI | 81 out of 100, Strong | $2.3B | 15.4% | 0.36% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| IncredibleBankBank Wausau, WI | 57 out of 100, Moderate | $2.1B | 8.3% | 0.89% | vs |
Deposit insurance
Is my money safe at Bank Five Nine?
Yes. Bank Five Nine is an FDIC-insured institution (FDIC certificate #12517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.8% of deposits ($309.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.77%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.78% (benchmark: 10%).
19 locations
Branches
Bank Five Nine lists 13 offices in 10 cities. Most locations:
- Oconomowoc, WI (3)
- Brookfield, WI (2)
- Germantown, WI (1)
- Glendale, WI (1)
- Grafton, WI (1)
- Hartford, WI (1)
- Hartland, WI (1)
- Menomonee Falls, WI (1)
- Mequon, WI (1)
- West Bend, WI (1)
HMDA 2025
Mortgage lending
In 2025, Bank Five Nine reported 1,660 home-loan applications under HMDA (LEI 254900DTLB5WWMBJAD86): 1,312 originated ($439,630,000 total), 71 denied, and 170 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank Five Nine
- Former names
- First Bank of Oconomowoc; First Bank Financial Centre; First Bank Financial Center; Bank of Oconomowoc
- Type
- State-chartered bank
- FDIC certificate #
- 12517
- RSSD ID
- 806846
- Primary regulator
- FDIC
- Holding company
- Oconomowoc Bancshares Inc
- Established
- September 1, 1859
- Headquarters
- 155 W Wisconsin Ave, Oconomowoc, WI 53066
- Website
- www.bankfivenine.com
- Employees
- 342
Quick answers
Bank Five Nine: common questions
Is Bank Five Nine FDIC insured?
Yes. Bank Five Nine is an FDIC-insured institution (FDIC certificate #12517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank Five Nine's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank Five Nine ever failed?
There is no failure record for FDIC certificate #12517 in the FDIC failed bank list.
How many branches does Bank Five Nine have?
19 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oconomowoc
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV | 97 out of 100, Very strong | $21.3M | 26.3% | 0.04% | vs |
| Umatilla County Federal Credit UnionCredit union Pendleton, OR | 92 out of 100, Very strong | $47.7M | 19.0% | 0.06% | vs |
| First Citizens State BankBank Whitewater, WI | 90 out of 100, Very strong | $525.2M | 18.0% | 0.00% | vs |
| Kbr Heritage Federal Credit UnionCredit union Houston, TX | 90 out of 100, Very strong | $76.4M | 22.6% | 0.39% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| 1st Class Express Credit UnionCredit union Waukesha, WI | 86 out of 100, Very strong | $2.1M | 22.9% | 0.30% | vs |