Bank Five Nine
Oconomowoc, WI · Cert 12517 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Oconomowoc Bancshares Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
$2.5BAssets
$2.1BLoans
$2.1BDeposits
$242.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 70% of banks $1B-$10B in assets operating in a single state (rank 78 of 258).
- Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets operating in a single state (rank 241 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.36%
Rank 94 of 258
Net Interest Margin
3.35%
Rank 155 of 258
Efficiency Ratio
58.63%
Rank 116 of 257
Equity / Assets
9.59%
Rank 160 of 258
Non-interest income vs. expense
Unfavorable gap of $41.4M · efficiency ratio beats 55% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.93% | 1.23% | 1.54% | Beats 64% | 94 / 258 | |
| Return on Equity | 14.16% | 9.26% | 11.84% | 14.74% | Beats 70% | 78 / 258 | |
| Net Interest Margin | 3.35% | 3.16% | 3.49% | 3.88% | Beats 40% | 155 / 258 | |
| Efficiency Ratio | 58.63% | 51.71% | 60.30% | 69.65% | Beats 55% | 116 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.91% | 0.19% | 0.46% | 0.90% | Beats 7% | 241 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 52% | 125 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.13% | 11.41% | 12.98% | 15.12% | Beats 36% | 166 / 258 | |
| Total Risk-Based Capital Ratio | 12.78% | 12.10% | 13.91% | 16.08% | Beats 34% | 171 / 258 | |
| Equity / Assets | 9.59% | 9.09% | 10.24% | 11.72% | Beats 38% | 160 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 97.92% | 73.24% | 86.34% | 95.95% | 81st pctl | 48 / 258 | |
| Loans / Assets | 81.14% | 63.01% | 72.27% | 78.40% | 83rd pctl | 45 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |