🏦Bank Scorer

BANK FIVE NINE

OCONOMOWOC, WI · Supervised by FDIC

Est. 1859FDIC #12,517RSSD: FDIC-12517
Part ofOCONOMOWOC BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.48%

Institution Profile

FDIC BankFind

Address

155 W Wisconsin Ave, OCONOMOWOC, WI

County

Waukesha County

Established

September 1, 1859

Total Assets

$2.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$2.2B

Net Loans

$2.0B

Net Income

$10M

ROA

1.48%

ROE

16.71%

Risk-Based Capital

12.60%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.32%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$2.1B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,50779.43%3.32%
20231,03581.35%3.77%
20221,68679.95%4.39%
20213,10882.34%3.99%
20204,29782.8%2.98%
20192,22381.42%4.18%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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