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

Jump to:

Mortgage Data

Bank Data

Review & Overview

Bank Five Nine is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Bank Five Nine has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Milwaukee, Chicago, Madison, Minneapolis, and Racine among others. We have data for 56 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% 11/21/24
30 Year Conventional Refi 6.49% 11/21/24
30 Year Cash-out Refi 6.64% 11/21/24
30 Year FHA Purchase 7.38% 11/21/24
30 Year FHA Refi 7.79% 11/21/24
30 Year VA Purchase 6.43% 11/21/24
15 Year Conventional Purchase 6.06% 11/21/24
15 Year Conventional Refi 5.94% 11/21/24
15 Year Cash-out Refi 5.94% 11/21/24
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

2,559

Origination Dollar Volume (All Markets)

$622,105,000

Employee count

325 Show all (9) 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) 1,480 $368,910,000 $249,264 $2,180 3.03%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 201 $46,235,000 $230,025 $2,925 3.09%
MADISON, WI (FHA|USDA|VA) 121 $34,335,000 $283,760 $2,586 3.08%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 107 $33,185,000 $310,140 $2,531 3.08%
RACINE, WI (FHA|USDA|VA) 103 $23,745,000 $230,534 $2,840 3.10%
Outside of Metro Areas 98 $23,670,000 $241,531 $2,610 3.17%
GREEN BAY, WI (FHA|USDA|VA) 63 $12,225,000 $194,048 $2,645 3.07%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 58 $11,070,000 $190,862 $1,989 2.97%
APPLETON, WI (FHA|USDA|VA) 50 $10,280,000 $205,600 $2,227 2.96%
Beaver Dam, WI (FHA|USDA|VA) 47 $9,705,000 $206,489 $2,170 3.03%
WAUSAU-WESTON, WI (FHA|USDA|VA) 57 $9,375,000 $164,474 $2,584 2.85%
Whitewater, WI (FHA|USDA|VA) 33 $8,545,000 $258,939 $2,233 3.15%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 26 $6,550,000 $251,923 $2,585 3.16%
EAU CLAIRE, WI (FHA|USDA|VA) 22 $3,410,000 $155,000 $1,867 2.84%
SHEBOYGAN, WI (FHA|USDA|VA) 15 $2,465,000 $164,333 $2,254 3.12%
FOND DU LAC, WI (FHA|USDA|VA) 9 $1,865,000 $207,222 $2,079 2.89%
Baraboo, WI (FHA|USDA|VA) 7 $1,835,000 $262,143 $2,044 3.11%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 7 $1,425,000 $203,571 $2,081 2.79%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $1,345,000 $269,000 $2,664 2.98%
Stevens Point, WI (FHA|USDA|VA) 6 $1,330,000 $221,667 $2,142 2.81%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $850,000 $425,000 $3,197 3.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $595,000 $595,000 $7,819 5.25%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $525,000 $525,000 $5,921 3.75%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $510,000 $255,000 $2,906 2.81%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $505,000 $505,000 $4,276 3.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $435,000 $435,000 $3,084 2.75%
DECATUR, AL (FHA|USDA|VA) 2 $410,000 $205,000 $2,413 3.81%
Lake City, FL (FHA|USDA|VA) 1 $405,000 $405,000 $2,574 3.38%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $405,000 $405,000 $2,750 3.00%
TUCSON, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $4,125 3.25%
Marinette, WI-MI (FHA|USDA|VA) 2 $350,000 $175,000 $2,318 3.81%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,992 3.38%
WICHITA, KS (FHA|USDA|VA) 1 $325,000 $325,000 $2,969 3.13%
Shawano, WI (FHA|USDA|VA) 2 $300,000 $150,000 $1,760 2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $295,000 $295,000 $4,288 2.88%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $295,000 $295,000 $6,241 2.99%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,295 3.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $275,000 $275,000 $3,641 2.88%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,364 3.13%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $260,000 $130,000 $1,689 2.63%
Manitowoc, WI (FHA|USDA|VA) 2 $230,000 $115,000 $3,815 3.06%
DULUTH, MN-WI (FHA|USDA|VA) 1 $225,000 $225,000 $3,218 3.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $225,000 $225,000 $3,639 3.63%
Menomonie, WI (FHA|USDA|VA) 2 $220,000 $110,000 $2,571 4.13%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $205,000 $205,000 $3,288 3.38%
LAS CRUCES, NM (FHA|USDA|VA) 1 $195,000 $195,000 $3,029 3.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $175,000 $175,000 $3,613 3.38%
PANAMA CITY, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,692 3.25%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,105 3.38%
Houghton, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,445 2.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,940 2.63%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,227 2.63%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $95,000 $95,000 $1,710 2.63%
Watertown, SD (FHA|USDA|VA) 1 $95,000 $95,000 $1,907 2.50%
BOISE CITY, ID (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.63%
Bank Five Nine's top markets include Milwaukee, Chicago, Madison, Minneapolis, and Racine among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Florida (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.

    First Savings Bank of Hegewisch
    Similarity Rank: 45
    Brokaw Credit Union
    Similarity Rank: 88
    PROSPERA Credit Union
    Similarity Rank: 140
    Liberty Bank for Savings
    Similarity Rank: 153
    Prevail Bank
    Similarity Rank: 154
    UNITEDONE Credit Union
    Similarity Rank: 396
    DMB Community Bank
    Similarity Rank: 400
    AbbyBank
    Similarity Rank: 420
    Wolf River Community Bank
    Similarity Rank: 450

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,444 $598,880,000 $245,041 $2,186 3.05%
    FHA 91 $17,325,000 $190,385 $6,001 3.11%
    VA 24 $5,900,000 $245,833 $4,493 2.87%

    For 2021, Bank Five Nine's most frequently originated type of loan was Conventional, with 2,444 originations. Their 2nd most popular type was FHA, with 91 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,020 $227,140,000 $222,686 $1,760 2.83%
    Home Purchase 966 $251,130,000 $259,969 $3,198 3.29%
    Cash Out Refi 573 $143,835,000 $251,021 $1,991 3.03%

    For 2021, Bank Five Nine's most frequently cited loan purpose was Refi, with 1,020 originations. The 2nd most popular reason was Home Purchase, with 966 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,766 $451,020,000 $255,391 $2,600 3.22%
    15 Year 506 $96,660,000 $191,028 $1,790 2.46%
    20 Year 122 $31,530,000 $258,443 $1,875 2.94%
    Other 74 $20,440,000 $276,216 $1,665 3.02%
    10 Year 57 $6,405,000 $112,368 $1,294 2.65%
    30+ year 27 $14,485,000 $536,481 $3,273 3.81%
    5 Year 7 $1,565,000 $223,571 $0 4.36%

    For 2021, Bank Five Nine's most frequently cited loan duration was 30 Year, with 1,766 originations. The 2nd most popular length was 15 Year, with 506 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,131 $510,525,000 $239,571
    $1k-2k 250 $67,660,000 $270,640
    $2k-3k 30 $7,970,000 $265,667
    $3k-4k 10 $3,250,000 $325,000
    $4k-5k 8 $1,960,000 $245,000

    Bank Five Nine's average total fees were $2,600, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,131 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,061 $258,305,000 $243,454
    3-4% 942 $248,600,000 $263,907
    <2.5% 435 $80,245,000 $184,471
    4-5% 77 $22,285,000 $289,416
    5-6% 43 $12,595,000 $292,907
    6-7% 1 $75,000 $75,000

    During 2021, Bank Five Nine's average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,061 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,124 $312,410,000 $277,945 $2,480 3.09%
    $100k-200k 937 $140,805,000 $150,272 $2,220 2.98%
    $400k-600k 285 $135,055,000 $473,877 $2,610 3.14%
    $100,000 or less 200 $14,500,000 $72,500 $1,731 2.90%
    $600k-1MM 8 $6,620,000 $827,500 $3,226 4.19%
    $1MM+ 5 $12,715,000 $2,543,000 $4,354 4.06%

    2021 saw Bank Five Nine place emphasis on $200k-400k loans with 1,124 originations, totaling $312,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 603 $169,245,000 $280,672 $2,306 3.07%
    $50k-75k 575 $106,245,000 $184,774 $2,304 3.05%
    $75k-100k 452 $99,130,000 $219,314 $2,451 3.04%
    $150k-250k 393 $128,555,000 $327,112 $2,339 2.97%
    $50k or less 357 $46,535,000 $130,350 $2,449 3.07%
    $250k+ 128 $51,220,000 $400,156 $2,431 3.01%

    Bank Five Nine lent most frequently to those with incomes in the $100k-150k range, with 603 originations. The second most popular income band? $50k-75k, with 575 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 636 $152,050,000 $239,072 $2,238 2.94%
    30-36% 516 $122,550,000 $237,500 $2,322 3.05%
    <20% 279 $61,505,000 $220,448 $1,930 2.78%
    42% 103 $22,885,000 $222,184 $2,438 3.24%
    40% 100 $25,790,000 $257,900 $2,537 3.12%
    38% 95 $22,715,000 $239,105 $2,466 3.12%
    41% 90 $22,660,000 $251,778 $2,453 3.24%
    39% 83 $21,775,000 $262,349 $2,557 3.20%
    36% 82 $19,730,000 $240,610 $2,419 3.03%
    37% 79 $17,875,000 $226,266 $2,441 2.97%
    43% 78 $19,530,000 $250,385 $2,479 3.17%
    44% 71 $16,115,000 $226,972 $2,530 3.08%
    45% 53 $12,725,000 $240,094 $2,726 3.06%
    48% 52 $13,300,000 $255,769 $2,311 2.98%
    47% 50 $11,070,000 $221,400 $2,717 2.99%
    49% 47 $11,455,000 $243,723 $2,210 2.98%
    46% 43 $11,435,000 $265,930 $2,949 3.15%
    50-60% 32 $7,930,000 $247,813 $4,577 3.81%
    >60% 19 $7,835,000 $412,368 $2,942 4.79%

    Bank Five Nine lent most frequently to those with DTI ratios of 20-30%, with 636 originations. The next most common DTI ratio? 30-36%, with 516 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,288 $545,670,000 $238,492 $2,300 3.02%
    Not provided 165 $42,995,000 $260,576 $2,814 3.16%
    Not applicable 9 $11,125,000 $1,236,111 $0 4.56%
    Black 51 $10,615,000 $208,137 $3,259 3.35%
    Asian 39 $9,405,000 $241,154 $2,193 3.09%
    American Indian 4 $1,210,000 $302,500 $4,471 3.09%
    Native Hawaiian or Islander 2 $830,000 $415,000 $1,892 3.13%
    Other Asian 1 $255,000 $255,000 $1,503 2.99%

    Approval Rates

    Total approvals of all applications
    96.15%

    Bank Five Nine has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    86.24%

    Bank Five Nine has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,559 $622,105,000 $243,105

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,559 $622,105,000 $243,105

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 156 $29,530,000 $189,295 $1,786 2.71%
    40-60% 469 $93,795,000 $199,989 $1,899 2.81%
    60-80% 1,063 $270,215,000 $254,200 $2,083 3.06%
    80-100% 829 $223,325,000 $269,391 $3,077 3.22%
    Over 100% 2 $1,980,000 $990,000 $8,694 4.19%
    Under 20% 37 $2,455,000 $66,351 $887 3.06%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 20.0%
    BANK OF THE WEST VA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 2 6.7%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 3 10.0%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 4 13.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 6.7%
    BANK OF THE WEST FHA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 2 6.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 1 3.3%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 5 16.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank Five Nine 11715 North Port Washington Road Mequon, WI 53092 Full Service B&M $64,364
    Bank Five Nine 12600 North Avenue Brookfield, WI 53005 Full Service B&M $39,140
    Bank Five Nine 1300 Summit Avenue, Suite 100 Oconomowoc, WI 53066 Full Service B&M $55,040
    Bank Five Nine 1306 W Wisconsin Av Oconomowoc, WI 53066 Limited, Mobile/Seasonal Office $0
    Bank Five Nine 155 West Wisconsin Avenue Oconomowoc, WI 53066 Full Service B&M $364,783
    Bank Five Nine 1811 West Washington Avenue West Bend, WI 53095 Full Service B&M $77,968
    Bank Five Nine 18815 West Capitol Drive Brookfield, WI 53005 Full Service B&M $101,674
    Bank Five Nine 2300 Washington Street Grafton, WI 53024 Full Service B&M $49,106
    Bank Five Nine 400 E Wisconsin Avenue Milwaukee, WI 53202 Limited, Drive-thru $2,624
    Bank Five Nine 5555 N Port Washington Rd Glendale, WI 53217 Full Service B&M $16,296
    Bank Five Nine 800 Cardinal Lane Hartland, WI 53029 Full Service B&M $128,571
    Bank Five Nine 940 Bell Avenue Hartford, WI 53027 Full Service B&M $70,581
    Bank Five Nine N112 W17100 Mequon Road Germantown, WI 53022 Full Service B&M $97,407
    Bank Five Nine N56 W14044 Silver Spring Drive Suite 100 Menomonee Falls, WI 53051 Full Service B&M $36,812
    Bank Five Nine W359 N5900 Brown Street Oconomowoc, WI 53066 Full Service B&M $101,724

    For 2021, Bank Five Nine had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $57,088
    Net interest income $50,273
    Total noninterest income $29,325
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $806
    Trading account gains and fees $0
    Additional Noninterest Income $28,519
    Pre-tax net operating income $27,936
    Securities gains (or losses, -) $0
    Income before extraordinary items $22,587
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $22,587
    Minority interest net income $0
    Net income $22,587
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $22,587

    Bank Five Nine's gross interest income from loans was $57,088,000.
    Bank Five Nine's net interest income from loans was $50,273,000.
    Bank Five Nine's fee based income from loans was $806,000.
    Bank Five Nine's net income from loans was $22,587,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,815
    Provision for credit losses $600
    Total noninterest expense $51,062
    Salaries and employee benefits $35,209
    Premises and equipment expense $6,454
    Additional noninterest expense $9,399
    Applicable income taxes $5,349
    Net charge-offs $505
    Cash dividends $3,168

    Bank Five Nine's interest expense for loans was $6,815,000.
    Bank Five Nine's payroll and benefits expense were $35,209,000.
    Bank Five Nine's property, plant and equipment expenses $6,454,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 1.5%
    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 $1,272,464
    Deposits held in domestic offices $1,272,464
    Deposits by Individuals, partnerships, and corporations $1,224,643
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $47,819
    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 $182,300
    Demand deposits $84,366
    Nontransaction accounts $1,090,165
    Money market deposit accounts (MMDAs) $336,588
    Other savings deposits (excluding MMDAs) $465,925
    Total time deposits $287,652
    Total time and savings deposits $1,188,099
    Noninterest-bearing deposits $242,767
    Interest-bearing deposits $1,029,697
    Retail deposits $1,168,907
    IRAs and Keogh plan accounts $31,509
    Brokered deposits $27,776
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,553,593
    Cash & Balances due from depository institutions $212,604
    Interest-bearing balances $195,485
    Total securities $254,975
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,010,814
    Loan and leases loss allowance $9,042
    Trading account assets $0
    Bank premises and fixed assets $31,776
    Other real estate owned $169
    Goodwill and other intangibles $14,927
    All other assets $28,328

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,553,593
    Total Liabilities $1,391,280
    Total deposits $1,272,464
    Interest-bearing deposits $1,029,697
    Deposits held in domestic offices $1,272,464
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $58,939
    Trading liabilities $0
    Other borrowed funds $47,500
    Subordinated debt $0
    All other liabilities $12,377

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,010,814
    Loan and leases loss allowance $9,042
    Total loans and leases (domestic) $1,019,856
    All real estate loans $932,649
    Real estate loans in domestic offices $932,649
    Construction and development loans $144,941
    Residential 1-4 family construction $24,969
    Other construction, all land development and other land $119,972
    Loans secured by nonfarm nonresidential properties $603,045
    Nonfarm nonresidential secured by owner-occupied properties $558,086
    Commercial real estate & other non-farm, non-residential $44,959
    Multifamily residential real estate $35,619
    1-4 family residential loans $148,850
    Farmland loans $194
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $77,679
    To non-U.S. addressees $0
    Loans to individuals $3,394
    Credit card loans $331
    Related Plans $158
    Consumer Auto Loans $141
    Other loans to individuals $2,764
    All other loans & leases $6,134
    Loans to foreign governments and official institutions $0
    Other loans $29
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Bank Five Nine had $1,010,814,000 of loans outstanding in 2021. $932,649,000 of loans were in real estate loans. $144,941,000 of loans were in development loans. $35,619,000 of loans were in multifamily mortgage loans. $148,850,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $331,000 of loans were in credit card loans. $141,000 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 673 $111,443 $165,591
    Nonfarm, nonresidential loans - <$100k 90 $1,982 $22,022
    Nonfarm, nonresidential loans - $100-250k 161 $11,008 $68,373
    Nonfarm, nonresidential loans - $250k-1MM 422 $98,453 $233,301
    Commercial & Industrial, US addressed loans - <$1MM 992 $70,431 $70,999
    Commercial & Industrial, US addressed loans - <$100k 514 $10,178 $19,802
    Commercial & Industrial, US addressed loans - $100-250k 278 $22,963 $82,601
    Commercial & Industrial, US addressed loans - $250k-1MM 200 $37,290 $186,450
    Farmland loans - <$1MM 4 $194 $48,500
    Farmland loans - $100-250k 2 $50 $25,000
    Farmland loans - $250k-1MM 2 $144 $72,000