Bank Five Nine (FDIC #12517): Bank Stress & Real-Estate Credit Exposure
Bank Five Nine (FDIC Cert #12517): bank stress 66/100, elevated, STABLE over 7 days; parent OCONOMOWOC BANCSHARES INC.
Bank Five Nine (#12517) lends in 4 counties across 1 state; Bank Five Nine (#12517) reaches 88 ZIP codes: Wisconsin 4 counties, 88 ZIPs.
Bank Five Nine (#12517) largest markets: Milwaukee County, WI (74 branches, 37 ZIPs) (#12517), Waukesha County, WI (248 branches, 31 ZIPs) (#12517), Washington County, WI (54 branches, 18 ZIPs) (#12517), Ozaukee County, WI (26 branches, 13 ZIPs) (#12517).
Bank Five Nine (#12517) reports $2.53 billion in total assets; Bank Five Nine (#12517) equity $242.8 million (9.6% of Bank Five Nine (#12517) assets); Bank Five Nine (#12517) domestic deposits $2.10 billion; Bank Five Nine (#12517) net income $17.2 million; Bank Five Nine (#12517) return on assets 1.32%; Bank Five Nine (#12517) return on equity 14.51%; Bank Five Nine (#12517) net interest income $43.6 million; Bank Five Nine (#12517) call report June 30, 2026.
Bank Five Nine (#12517) noncurrent real-estate loans 0.02% of its book; Bank Five Nine (#12517) residential 0.02%; Bank Five Nine (#12517) net charge-offs on real estate 1.85%; Bank Five Nine (#12517) residential charge-offs 1.77%.
Bank Five Nine (#12517) net interest margin 3.55% against an eight-quarter Bank Five Nine (#12517) average of 3.20% (Bank Five Nine (#12517) compression -0.35 points); Bank Five Nine (#12517) real-estate loans 1.5% of equity; Bank Five Nine (#12517) non-residential real estate 176.5% of equity; Bank Five Nine (#12517) rate-exposure score 40/100, Bank Five Nine (#12517) fixed-rate trap 40/100; Bank Five Nine (#12517) risk type credit driven; Bank Five Nine (#12517) rate regime rates elevated, Bank Five Nine (#12517) snapshot October 19, 2026.
Bank Five Nine (#12517) stress score moved from 62.8 on June 22, 2026 to 65.6 on October 19, 2026; Bank Five Nine (#12517) ranged 62.8 to 65.6 over 116 snapshots.
Bank Five Nine (#12517) alerts: 4 counties; top Bank Five Nine (#12517) alert scores: Milwaukee County, WI 39 (moderate); Mequon County, WI 22 (low); Oconomowoc County, WI 22 (low); West Bend County, WI 22 (low).