Bank Five Nine: how it compares with its peers
Against 18 WI banks with half to twice its assets, Bank Five Nine's strongest measure in Q2 2026 is efficiency ratio (58.63% vs. a 60.52% peer median). Its weakest relative measure is assets per employee ($7.4M vs. $8.0M).
| Measure | Bank Five Nine | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.19% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.72% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.63% | 60.52% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $8.0M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.28% | 93.81% | Context |
What it means for lending operations
Its efficiency ratio of 58.63% is better than the 60.52% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- North Shore Bank Brookfield, WI · $2.61B
- One Community Bank Oregon, WI · $2.63B
- WaterStone Bank, SSB Wauwatosa, WI · $2.25B
- National Bank of Commerce Superior, WI · $2.23B
- National Exchange Bank and Trust Fond Du Lac, WI · $2.89B
- IncredibleBank Wausau, WI · $2.10B
Questions about Bank Five Nine
How big is Bank Five Nine?
Bank Five Nine, established in 1859, is headquartered in Oconomowoc, WI. It reported $2.53B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Bank Five Nine's return on assets?
1.32% annualized in Q2 2026, against a 1.19% median for 18 WI banks with half to twice its assets, ahead of 56% of them.
What is Bank Five Nine's efficiency ratio?
58.63% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 60.52%, and lower is better.
Is Bank Five Nine growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits grew 0.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.