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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Wisconsin, the state note

Bank Five Nine

Oconomowoc, Wisconsin · $2.53B in assets · beside the 11 other Wisconsin banks between $1B and $3B

The filing

21.6%
CRE / loans
1st of 12
0.3x
Coverage of noncurrent
12th of 12
9.6%
Equity / assets
11th of 12

Bank Five Nine is the fourth largest of the 12 Wisconsin banks nearest its size between $1B and $3B, with $2.53B in assets at 30 June 2026. Loans are 97.9% of deposits, 9th of 12 against a median of 94.6%, and equity is 9.6% of assets, 11th of 12. Loans grew +7.7% in the year, 2nd of 12, and deposits fell 0.0%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 1.91% of the book, 11th of 12 against a median of 0.54%; 0.76% is 30 to 89 days past due, and the allowance covers them 0.3 times. Commercial real estate is 21.6% of loans, the lowest in the cohort against a median of 45.7%, and 166% of capital, below the 300% screen, with construction at 94% against the 100% screen.

Return on assets is 1.32%, 5th of 12 against a median of 1.30%, on an efficiency ratio of 58.6%, 5th of 12. Five years ago it was 1.77%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansWI banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 45.7% BF Bank Five Nine 21.6% I Incrediblebank 23.2% HB Horicon Bank 30.4% WS Waukesha State Bank 34.0% NB National Bank of Commerce 40.9% NS North Shore Bank 45.0% NE National Exchange Bank & Trust 46.5% CN Ccfbank National Association 50.4% WB Waterstone Bank SSB 58.1% PB Park Bank 59.4% OC One Community Bank 59.4% TC Tri City National Bank 66.8%
Loans, year over yearWI banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% OC One Community Bank +18.2% BF Bank Five Nine +7.7% WS Waukesha State Bank +7.4% NS North Shore Bank +7.1% HB Horicon Bank +6.3% I Incrediblebank +5.6% CN Ccfbank National Association +2.4% PB Park Bank +1.6% NB National Bank of Commerce +1.4% NE National Exchange Bank & Trust +1.1% TC Tri City National Bank +0.6% WB Waterstone Bank SSB +0.5%

SBA 7(a), FY2008 to FY2026

Bank Five Nine is the 2nd largest 7(a) lender into Wisconsin of 426, with $733M across 1,782 loans, 7.9% of everything approved in the state (Byline Bank leads with $864M). 209 of its 496 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Wisconsin, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Waukesha, WI$245M1st of 12221.4%-1.4 pts
Washington, WI$125M1st of 7536.7%-27.7 pts
Milwaukee, WI$104M2nd of 1448.0%-1.3 pts
Dane, WI$64M3rd of 1417.9%-1.2 pts
Ozaukee, WI$40M1st of 7017.2%-3.0 pts
Harris, TX$34M58th of 3140.4%-0.5 pts
Jefferson, WI$30M1st of 4925.6%-39.6 pts
Dodge, WI$29M1st of 3927.9%+42.9 pts
Cook, IL$17M58th of 2820.3%+0.0 pts
Maricopa, AZ$17M62nd of 3030.2%+0.5 pts
Polk, FL$16M9th of 1292.8%-5.8 pts
Walworth, WI$14M4th of 697.4%quiet FY2021
Hillsborough, FL$14M41st of 1950.6%-0.7 pts
483 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Real estate & leasing380$385M21.8%3.13%4th of 1,452
Accommodation & food services504$347M19.7%0.45%52nd of 2,596
Health care & social assistance370$245M13.9%0.52%39th of 2,172
Retail trade291$167M9.5%0.27%67th of 2,589
Manufacturing256$135M7.7%0.34%48th of 2,246
7(a) lenders into Wisconsin, share of approvals since FY2008426 lenders on record; the ten largest and Bank Five Nine
BB Byline Bank 9.3% $864M · 860 loans BF Bank Five Nine 7.9% $733M · 1,782 loans BF Bank First, N.A. 4.7% $437M · 963 loans UB UMB Bank, National Association 3.8% $355M · 672 loans UB U.S. Bank, National Association 3.5% $324M · 1,831 loans NN Nicolet National Bank 3.2% $296M · 741 loans ON Old National Bank 3.0% $279M · 390 loans AB Associated Bank National Associat… 3.0% $278M · 2,089 loans LO Live Oak Banking Company 2.6% $246M · 206 loans SC Summit CU 2.6% $244M · 1,034 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
Bank Five NineRankCohort median
Total CRE against capital, the 300% screen166%2nd of 12272%
Construction against capital, the 100% screen94%11th of 1237%
Construction and land development, share of loans12.3%10th of 126.6%
Non-owner-occupied nonfarm nonresidential, share of loans8.0%3rd of 1219.6%
Total CRE, the guidance definition, share of loans21.6%1st of 1245.7%
CRE growth over 36 months, the third prong+41.9%10th of 12+15.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
National Exchange Bank & Trust$2.89B1.7%49.4%0.37%-0.07%3.0%75.3%19.8%
One Community Bank$2.63B1.3%52.9%0.58%0.00%1.0%107.8%12.7%
North Shore Bank$2.61B1.0%69.9%0.10%0.02%0.7%95.1%15.3%
Bank Five Nine$2.53B1.3%58.6%1.91%0.03%0.6%97.9%9.6%
Waterstone Bank SSB$2.25B1.3%75.5%0.36%0.00%1.0%124.9%14.7%
National Bank of Commerce$2.23B2.0%51.5%0.64%0.05%1.0%92.9%9.8%
Incrediblebank$2.10B1.1%63.0%0.89%0.11%1.1%89.9%7.7%
Tri City National Bank$1.95B0.8%72.9%0.51%0.04%1.2%66.7%9.7%
Ccfbank National Association$1.81B0.7%60.6%2.28%0.23%1.9%87.6%12.0%
Horicon Bank$1.65B1.4%63.3%0.93%0.01%1.3%96.7%10.3%
Waukesha State Bank$1.62B2.4%55.6%0.25%0.01%0.9%94.0%10.9%
Park Bank$1.54B0.7%71.3%0.24%0.00%1.2%104.8%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank Five NineCohort median
20212026Change20212026Change
Loans$1.03B$2.06B+99%$1.11B$1.65B+48%
Deposits$1.21B$2.10B+74%$1.29B$1.76B+37%
NPA / loans0.87%1.91%+1.04 pts0.45%0.54%+0.10 pts
Efficiency58.9%58.6%-0.3 pts57.4%61.8%+4.4 pts
ROA1.77%1.32%-0.46 pts1.36%1.30%-0.06 pts

This read was prepared for Bank Five Nine's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank Five Nine is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WI banks $1B to $3B
Institution WWW.BANKFIVENINE.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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