First Bank Financial Centre (FBFC)

What First Bank Financial Centre (FBFC) does

First Bank Financial Centre, operating under the trade name Bank Five Nine, is a privately held community bank founded in 1859 and headquartered in Brookfield, Wisconsin. The bank serves the Southeast Wisconsin market through 14 full-service branch locations and 9 loan production offices distributed across the state, including Appleton, Burlington, Franksville, Kenosha, New Richmond, Rothschild, and West Allis. Its customer base spans individual consumers, small businesses, and commercial clients, with deposit products (checking, savings, CDs, IRAs, money market accounts), lending products (personal loans, mortgages, business lending, commercial real estate, equipment financing), cash management services, and a Five Nine Wealth Management division for investment and retirement planning. The bank holds SBA Preferred Lender status, is FDIC-insured, and is registered as an Equal Housing Lender with NMLS #410817.

The bank's revenue model follows a traditional community banking structure, generating income primarily from net interest spread on loans and deposits, supplemented by transaction-based fees on banking services and recurring fees from the wealth management advisory business. Go-to-market is direct-to-consumer through the physical branch network complemented by two digital banking platforms — a consumer platform at bankfiveninedigital.com and a commercial platform at web5.secureinternetbank.com — both operated under white-label/third-party digital banking infrastructure rather than proprietary technology. The bank targets three primary segments: personal/small business, commercial banking, and wealth management, with community involvement, local decision-making, and SBA lending positioned as core differentiators. No publicly disclosed revenue, headcount trend, or financial performance metrics are available in the input material, reflecting the closely-held private nature of the institution.

Name

First Bank Financial Centre (FBFC)

Legal name

Bank Five Nine Inc.

Website

https://fbfcwi.com

Company type

Private

Founded year

1859

Operating status

Operating

Headcount range

251–500 employees

Short description

First Bank Financial Centre (Bank Five Nine) is a privately held community bank founded in 1859, serving Southeast Wisconsin through 14 branches and 9 loan production offices with personal, business, and wealth management banking services.

Ownership category

akta.pro rank

Headquarters

HQ city

Brookfield

HQ country

United States

HQ region

North America

Offices20 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including mortgages, personal lending, and business lending products
2. Banking Fees and Service Charges: Fees from deposit accounts including checking, savings, CDs, IRAs, money market accounts, and related banking services
3. Wealth Management Services: Five Nine Wealth Management division providing financial advisory and wealth management services

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

First Bank Financial Centre (dba Bank Five Nine) is a community bank providing personal and commercial banking products and services across Southeast Wisconsin. The bank offers deposit accounts (checking, savings, CDs, IRAs, money market), consumer lending (personal loans, auto loans, mortgages), commercial banking (business deposit accounts, cash management, business lending including SBA loans), and wealth management services through its Five Nine Wealth Management division. Distribution is through 14 full-service branches, 9 loan production offices, and digital online banking platforms for personal and commercial customers.

Product overview

Bank Five Nine is a community bank offering a comprehensive suite of banking products across personal, business, and wealth management segments. The bank operates on a platform-plus-service model with core deposit products (checking, savings, CDs, money market), lending services (personal loans, mortgages, business lending), and digital banking capabilities. The product portfolio includes Personal Banking services (checking, savings, CDs/IRAs, money market, personal lending, mortgages, online banking), Business Banking services (business deposit accounts, cash management, business lending), and Five Nine Wealth Management for investment and retirement planning. The bank differentiates itself as an SBA Preferred Lender serving Southeast Wisconsin since 1859.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking
• Personal Savings Accounts
• CDs and IRAs
• Money Market
• Personal Lending
• Mortgages
• Online Banking
• Business Banking Services
• Cash Management
• Business Lending
• Five Nine Wealth Management

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Expansion highlights4 records

Broad incumbents

• Associated Bank: Largest Wisconsin-based bank and the most direct incumbent competitor in Southeast Wisconsin, offering a full suite of consumer, commercial, and wealth management products through an extensive regional branch network.
• BMO Harris Bank: Major Midwest regional bank with a dominant Wisconsin branch footprint and full commercial, wealth, and capital markets capabilities; represents the large incumbent competitive benchmark for a community bank of Bank Five Nine's size.

Direct peers

• Nicolet National Bank: Wisconsin-headquartered community bank with a comparable mix of personal, business, and wealth management banking across similar geographies, making it one of the closest comparables in scale and product set.
• Johnson Financial Group: Wisconsin community bank and wealth manager with consumer, commercial, and private banking lines; serves overlapping Southeast Wisconsin markets with a comparable hybrid digital and branch model.
• Waukesha State Bank: Long-established Waukesha County community bank with personal, business, and mortgage lending; overlaps directly with Bank Five Nine's core Southeast Wisconsin footprint and customer segments.
• WaterStone Bank: Wisconsin-based community bank offering consumer, commercial, and mortgage products; comparable community banking model serving overlapping suburban Milwaukee and Southeast Wisconsin markets.
• Town Bank (Wintrust): Wintrust subsidiary serving Wisconsin community banking customers with personal, business, and SBA lending products; competes directly for deposits and small business loans in the same Southeast Wisconsin corridor.
• North Shore Bank: Mutual community bank headquartered in Brookfield, Wisconsin with retail, mortgage, and business banking products; shares the same home market as Bank Five Nine and competes for the same customer base.
• PyraMax Bank: Wisconsin community bank with consumer, commercial, and SBA lending, serving overlapping Southeast Wisconsin markets with a similar relationship-driven community banking approach.
• Tri City National Bank: Southeast Wisconsin community bank with personal, business, and mortgage products, operating in many of the same suburban Milwaukee communities as Bank Five Nine.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCgE2GBsHvy3XTPGs6goTbqg
• Facebookfacebook.com/firstbankfinancialcentre
• LinkedInlinkedin.com/company/114281
• Instagraminstagram.com/bankfivenine
• Pinterestpinterest.com/bankfivenine

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Bank Financial Centre (FBFC)