Bank Five Nine Mortgage Rates, Fees & Info

Oconomowoc, WI

LEI: 254900DTLB5WWMBJAD86

Tax ID: 39-0148000

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Five Nine is a smaller bank specializing in Home Purchase and Refi loans. Bank Five Nine has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Milwaukee, Madison, Minneapolis, Chicago, and Green Bay among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Five Nine has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Five Nine is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.42% 4/21/24
    30 Year Conventional Refi 6.49% 4/21/24
    30 Year Cash-out Refi 6.64% 4/21/24
    30 Year FHA Purchase 7.38% 4/21/24
    30 Year FHA Refi 7.79% 4/21/24
    30 Year VA Purchase 6.43% 4/21/24
    15 Year Conventional Purchase 6.06% 4/21/24
    15 Year Conventional Refi 5.94% 4/21/24
    15 Year Cash-out Refi 5.94% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bank Five Nine Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bank Five Nine. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,014

    Origination Dollar Volume (All Markets)

    $249,510,000

    Employee count

    307 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 403 $118,165,000 $293,213 $2,263 4.77%
    MADISON, WI (FHA|USDA|VA) 91 $21,565,000 $236,978 $2,720 4.93%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 64 $17,180,000 $268,438 $3,604 4.81%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 53 $14,275,000 $269,340 $5,298 4.89%
    Outside of Metro Areas 68 $13,250,000 $194,853 $2,393 4.86%
    GREEN BAY, WI (FHA|USDA|VA) 69 $10,025,000 $145,290 $2,805 4.80%
    EAU CLAIRE, WI (FHA|USDA|VA) 55 $9,955,000 $181,000 $3,237 4.94%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 32 $6,130,000 $191,563 $2,606 4.62%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 36 $5,590,000 $155,278 $3,235 4.72%
    APPLETON, WI (FHA|USDA|VA) 22 $4,460,000 $202,727 $2,258 4.87%
    Whitewater, WI (FHA|USDA|VA) 17 $4,345,000 $255,588 $2,514 4.98%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 23 $3,825,000 $166,304 $3,467 4.86%
    Beaver Dam, WI (FHA|USDA|VA) 15 $3,085,000 $205,667 $2,189 5.06%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $2,875,000 $2,875,000 $0 6.50%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $2,335,000 $2,335,000 $0 7.50%
    RACINE, WI (FHA|USDA|VA) 12 $2,260,000 $188,333 $1,856 4.78%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 13 $2,005,000 $154,231 $2,190 5.01%
    FOND DU LAC, WI (FHA|USDA|VA) 5 $1,255,000 $251,000 $2,059 4.68%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $1,045,000 $348,333 $6,376 5.00%
    Baraboo, WI (FHA|USDA|VA) 5 $985,000 $197,000 $2,245 4.83%
    SHEBOYGAN, WI (FHA|USDA|VA) 3 $795,000 $265,000 $1,596 4.92%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $675,000 $675,000 $0 6.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $425,000 $425,000 $4,381 3.75%
    Menomonie, WI (FHA|USDA|VA) 3 $415,000 $138,333 $2,282 4.33%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $405,000 $405,000 $4,481 4.50%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $310,000 $155,000 $3,727 4.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $310,000 $155,000 $3,055 4.50%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $275,000 $91,667 $2,122 5.42%
    Stevens Point, WI (FHA|USDA|VA) 2 $250,000 $125,000 $2,412 4.56%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $6,598 4.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $95,000 $95,000 $3,762 4.75%
    OCALA, FL (FHA|USDA|VA) 1 $85,000 $85,000 $2,754 4.88%
    ROCHESTER, MN (FHA|USDA|VA) 1 $85,000 $85,000 $1,642 4.75%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $75,000 $75,000 $2,364 5.00%
    Manitowoc, WI (FHA|USDA|VA) 1 $75,000 $75,000 $2,183 5.50%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.75%
    Bank Five Nine's top markets include Milwaukee, Madison, Minneapolis, Chicago, and Green Bay among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Bank Five Nine based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    AppleTree Credit Union
    Similarity Rank: 10
    NORTHWESTERN MUTUAL
    Similarity Rank: 12
    UNISON CREDIT UNION
    Similarity Rank: 28
    UNITED
    Similarity Rank: 28
    United Bank a division of Citizens Community Federal N A
    Similarity Rank: 44
    UNITEDONE Credit Union
    Similarity Rank: 48
    Prevail Bank
    Similarity Rank: 54
    PCM
    Similarity Rank: 66
    Cloverbelt Credit Union
    Similarity Rank: 85
    Liberty Bank for Savings
    Similarity Rank: 104

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 922 $232,620,000 $252,299 $2,400 4.84%
    FHA 87 $15,665,000 $180,057 $5,945 4.68%
    VA 5 $1,225,000 $245,000 $6,056 4.63%

    For 2018, Bank Five Nine's most frequently originated type of loan was Conventional, with 922 originations. Their 2nd most popular type was FHA, with 87 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 686 $169,220,000 $246,676 $3,129 4.86%
    Refi 186 $50,480,000 $271,398 $1,945 4.76%
    Cash Out Refi 140 $29,730,000 $212,357 $1,912 4.77%
    Home Improvement 2 $80,000 $40,000 $1,473 4.75%

    For 2018, Bank Five Nine's most frequently cited loan purpose was Home Purchase, with 686 originations. The 2nd most popular reason was Refi, with 186 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 846 $182,060,000 $215,201 $2,855 4.85%
    15 Year 73 $13,125,000 $179,795 $2,110 4.30%
    20 Year 30 $7,050,000 $235,000 $1,919 4.33%
    10 Year 21 $1,255,000 $59,762 $928 4.76%
    5 Year 19 $23,975,000 $1,261,842 $150 5.42%
    Other 18 $19,620,000 $1,090,000 $2,955 5.99%
    3 Year 6 $1,960,000 $326,667 $0 5.54%
    1 Year 1 $465,000 $465,000 $0 4.00%

    For 2018, Bank Five Nine's most frequently cited loan duration was 30 Year, with 846 originations. The 2nd most popular length was 15 Year, with 73 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 837 $171,945,000 $205,430
    $1k-2k 89 $23,085,000 $259,382
    $2k-3k 25 $5,865,000 $234,600
    $3k-4k 4 $950,000 $237,500
    $4k-5k 3 $1,155,000 $385,000
    $5k+ 1 $495,000 $495,000

    Bank Five Nine's average total fees were $2,855, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 837 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 690 $170,460,000 $247,043
    5-6% 224 $48,010,000 $214,330
    3-4% 64 $14,010,000 $218,906
    6-7% 23 $13,015,000 $565,870
    7-8% 4 $3,960,000 $990,000

    During 2018, Bank Five Nine's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 4-5%, with 690 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 411 $61,185,000 $148,869 $2,768 4.80%
    $200k-400k 382 $105,660,000 $276,597 $2,839 4.74%
    $100,000 or less 137 $8,445,000 $61,642 $2,181 5.03%
    $400k-600k 60 $26,860,000 $447,667 $3,042 4.83%
    $600k-1MM 13 $9,705,000 $746,538 $2,764 5.37%
    $1MM+ 11 $37,655,000 $3,423,182 $4,369 5.61%

    2018 saw Bank Five Nine place emphasis on $100k-200k loans with 411 originations, totaling $61,185,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 232 $38,060,000 $164,052 $2,776 4.79%
    $100k-150k 209 $53,635,000 $256,627 $2,676 4.80%
    $50k or less 199 $24,225,000 $121,734 $2,806 4.83%
    $75k-100k 181 $36,855,000 $203,619 $2,748 4.77%
    $150k-250k 108 $34,860,000 $322,778 $2,727 4.78%
    $250k+ 34 $12,570,000 $369,706 $2,603 4.76%

    Bank Five Nine lent most frequently to those with incomes in the $50k-75k range, with 232 originations. The second most popular income band? $100k-150k, with 209 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 182 $34,320,000 $188,571 $2,473 4.70%
    30-36% 176 $35,850,000 $203,693 $2,630 4.77%
    <20% 57 $10,765,000 $188,860 $2,348 4.59%
    50-60% 48 $10,610,000 $221,042 $3,934 4.98%
    36% 45 $10,745,000 $238,778 $2,806 4.95%
    42% 44 $9,140,000 $207,727 $2,645 4.78%
    43% 44 $9,100,000 $206,818 $2,774 4.81%
    37% 43 $8,235,000 $191,512 $2,439 4.95%
    40% 34 $7,980,000 $234,706 $4,010 4.80%
    44% 34 $6,350,000 $186,765 $2,419 4.71%
    46% 32 $6,720,000 $210,000 $2,810 4.80%
    38% 32 $7,510,000 $234,688 $2,606 4.71%
    48% 32 $7,020,000 $219,375 $3,209 4.76%
    49% 31 $6,385,000 $205,968 $2,769 4.79%
    39% 30 $6,840,000 $228,000 $2,928 4.83%
    47% 29 $6,455,000 $222,586 $3,043 4.92%
    41% 27 $6,195,000 $229,444 $2,952 4.91%
    >60% 26 $7,580,000 $291,538 $2,129 5.15%
    45% 25 $4,355,000 $174,200 $2,614 4.75%

    Bank Five Nine lent most frequently to those with DTI ratios of 20-30%, with 182 originations. The next most common DTI ratio? 30-36%, with 176 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 878 $183,900,000 $209,453 $2,670 4.78%
    Not applicable 32 $44,200,000 $1,381,250 $0 5.85%
    Not provided 47 $9,595,000 $204,149 $2,754 4.86%
    Black 34 $5,990,000 $176,176 $3,849 4.86%
    Asian 18 $4,950,000 $275,000 $4,000 4.97%
    American Indian 5 $875,000 $175,000 $2,711 4.75%

    Approval Rates

    Total approvals of all applications
    93.67%

    Bank Five Nine has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.71%

    Bank Five Nine has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,014 $249,510,000 $246,065

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 11 $32,945,000 $2,995,000
    Single Family (1-4 Units):Manufactured 9 $965,000 $107,222
    Single Family (1-4 Units):Site-Built 994 $215,600,000 $216,901

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $7,885,000 $238,939 $1,693 4.89%
    40-60% 91 $18,725,000 $205,769 $2,090 4.74%
    60-80% 315 $95,485,000 $303,127 $2,293 4.75%
    80-100% 527 $122,085,000 $231,660 $3,255 4.84%
    Over 100% 7 $3,595,000 $513,571 $7,280 5.93%
    Under 20% 40 $1,400,000 $35,000 $681 5.33%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 3 11.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 5 18.5%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Incorrect information on your report 2 7.4%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST FHA mortgage Closing on a mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 1 3.7%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.4%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Bank Financial Centre 940 Bell Avenue Hartford, WI 53027 Full Service B&M $51,757
    First Bank Financial Centre 11715 North Port Washington Road Mequon, WI 53092 Full Service B&M $44,356
    First Bank Financial Centre 12600 North Avenue Brookfield, WI 53005 Full Service B&M $23,757
    First Bank Financial Centre 1300 Summit Avenue, Suite 100 Oconomowoc, WI 53066 Full Service B&M $39,114
    First Bank Financial Centre 1306 W Wisconsin Av Oconomowoc, WI 53066 Limited, Mobile/Seasonal Office $0
    First Bank Financial Centre 155 West Wisconsin Avenue Oconomowoc, WI 53066 Full Service B&M $304,137
    First Bank Financial Centre 1811 West Washington Avenue West Bend, WI 53095 Full Service B&M $60,608
    First Bank Financial Centre 18815 West Capitol Drive Brookfield, WI 53005 Full Service B&M $65,747
    First Bank Financial Centre 2300 Washington Street Grafton, WI 53024 Full Service B&M $25,614
    First Bank Financial Centre 400 E Wisconsin Avenue Milwaukee, WI 53202 Limited, Drive-thru $2,823
    First Bank Financial Centre 5555 N Port Washington Rd Glendale, WI 53217 Full Service B&M $8,916
    First Bank Financial Centre 800 Cardinal Lane Hartland, WI 53029 Full Service B&M $79,725
    First Bank Financial Centre N112 W17100 Mequon Road Germantown, WI 53022 Full Service B&M $80,161
    First Bank Financial Centre N56 W14044 Silver Spring Drive Suite 100 Menomonee Falls, WI 53051 Full Service B&M $23,013
    First Bank Financial Centre W359 N5900 Brown Street Oconomowoc, WI 53066 Full Service B&M $77,976

    For 2018, Bank Five Nine had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $49,105
    Net interest income $38,917
    Total noninterest income $15,540
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $965
    Trading account gains and fees $0
    Additional Noninterest Income $14,575
    Pre-tax net operating income $9,988
    Securities gains (or losses, -) $-11
    Income before extraordinary items $9,012
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,012
    Minority interest net income $0
    Net income $9,012
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,021

    Bank Five Nine's gross interest income from loans was $49,105,000.
    Bank Five Nine's net interest income from loans was $38,917,000.
    Bank Five Nine's fee based income from loans was $965,000.
    Bank Five Nine's net income from loans was $9,012,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,188
    Provision for credit losses $630
    Total noninterest expense $43,839
    Salaries and employee benefits $27,407
    Premises and equipment expense $5,752
    Additional noninterest expense $10,680
    Applicable income taxes $965
    Net charge-offs $354
    Cash dividends $2,260

    Bank Five Nine's interest expense for loans was $10,188,000.
    Bank Five Nine's payroll and benefits expense were $27,407,000.
    Bank Five Nine's property, plant and equipment expenses $5,752,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 5.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 3.0%
    Personal loans 0.0%
    Credit card loans 0.6%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $898,017
    Deposits held in domestic offices $898,017
    Deposits by Individuals, partnerships, and corporations $889,547
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $8,468
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $78,713
    Demand deposits $56,058
    Nontransaction accounts $819,305
    Money market deposit accounts (MMDAs) $198,054
    Other savings deposits (excluding MMDAs) $277,960
    Total time deposits $343,290
    Total time and savings deposits $841,960
    Noninterest-bearing deposits $141,115
    Interest-bearing deposits $756,902
    Retail deposits $762,568
    IRAs and Keogh plan accounts $30,122
    Brokered deposits $75,801
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,175,023
    Cash & Balances due from depository institutions $24,214
    Interest-bearing balances $6,340
    Total securities $163,958
    Federal funds sold & reverse repurchase $0
    Net loans and leases $919,910
    Loan and leases loss allowance $5,514
    Trading account assets $0
    Bank premises and fixed assets $31,400
    Other real estate owned $2,730
    Goodwill and other intangibles $10,806
    All other assets $22,005

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,175,023
    Total Liabilities $1,070,752
    Total deposits $898,017
    Interest-bearing deposits $756,902
    Deposits held in domestic offices $898,017
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $98,510
    Trading liabilities $0
    Other borrowed funds $69,650
    Subordinated debt $0
    All other liabilities $4,575

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $919,910
    Loan and leases loss allowance $5,514
    Total loans and leases (domestic) $925,424
    All real estate loans $836,547
    Real estate loans in domestic offices $836,547
    Construction and development loans $177,731
    Residential 1-4 family construction $17,747
    Other construction, all land development and other land $159,984
    Loans secured by nonfarm nonresidential properties $383,900
    Nonfarm nonresidential secured by owner-occupied properties $300,586
    Commercial real estate & other non-farm, non-residential $83,314
    Multifamily residential real estate $44,955
    1-4 family residential loans $229,508
    Farmland loans $453
    Loans held in foreign offices $0
    Farm loans $19
    Commercial and industrial loans $73,590
    To non-U.S. addressees $0
    Loans to individuals $5,427
    Credit card loans $326
    Related Plans $160
    Consumer Auto Loans $0
    Other loans to individuals $4,941
    All other loans & leases $9,841
    Loans to foreign governments and official institutions $0
    Other loans $252
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,938
    Non 1-4 family restructured loans & leases $4,938
    Total loans and leases (foreign) $0

    Bank Five Nine had $919,910,000 of loans outstanding in 2018. $836,547,000 of loans were in real estate loans. $177,731,000 of loans were in development loans. $44,955,000 of loans were in multifamily mortgage loans. $229,508,000 of loans were in 1-4 family mortgage loans. $19,000 of loans were in farm loans. $326,000 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 826 $125,258 $151,644
    Nonfarm, nonresidential loans - <$100k 143 $3,082 $21,552
    Nonfarm, nonresidential loans - $100-250k 228 $17,224 $75,544
    Nonfarm, nonresidential loans - $250k-1MM 455 $104,952 $230,664
    Commercial & Industrial, US addressed loans - <$1MM 885 $53,808 $60,800
    Commercial & Industrial, US addressed loans - <$100k 443 $7,284 $16,442
    Commercial & Industrial, US addressed loans - $100-250k 248 $10,547 $42,528
    Commercial & Industrial, US addressed loans - $250k-1MM 194 $35,977 $185,448
    Farmland loans - <$1MM 9 $453 $50,333
    Farmland loans - <$100k 2 $32 $16,000
    Farmland loans - $100-250k 3 $182 $60,667
    Farmland loans - $250k-1MM 4 $239 $59,750
    Agriculture operations loans - <$1MM 1 $19 $19,000
    Agriculture operations loans - <$100k 1 $19 $19,000