BlastPoint's Banking Scorecard
Bank Five Nine
Community
Specialty: Commercial
WI
FDIC cert 12517
Oconomowoc, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Bank Five Nine faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 36% in Community
- - Non-Interest-Bearing Deposit Share 11.30% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+16.3% YoY
+1.4% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$2.0B
+7.9% YoY
+2.5% QoQ
|
+$1.0B |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.2B
+18.4% YoY
+1.3% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.96%
+15.3% YoY
-9.6% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.22%
+3.8% YoY
+2.4% QoQ
|
-0.44% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
67.14%
-11.4% YoY
+1.6% QoQ
|
+4.50% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.89%
+12.8% YoY
+23.5% QoQ
|
+0.26% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
89.92%
-8.8% YoY
+1.2% QoQ
|
+6.85% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
9.74%
-2.5% YoY
-9.4% QoQ
|
-11.30% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.73%
+6.3% YoY
+21.6% QoQ
|
+0.23% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
11.93%
+14.1% YoY
-0.9% QoQ
|
+1.68% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.83%
+3.9% YoY
+23.4% QoQ
|
+0.09% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#232 of 642 · Bottom 36% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Community
Why this stands out
Current:
9.74%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.93% · Tier avg: 10.24%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.92% · Tier avg: 83.06%
35
35th pctile
Efficiency Ratio
Current: 67.14% · Tier avg: 62.63%
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.50%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.74% · Tier avg: 21.05%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.74% · Tier avg: 21.05%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.63%
35
35th pctile
Efficiency Ratio
Current: 67.14% · Tier avg: 62.63%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.92% · Tier avg: 83.06%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.93% · Tier avg: 10.24%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
87
87th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M