Our Story

We build ALM software for community banks.

Built to replace the spreadsheets and gut-checks most banks still price and analyze with.

Every bank has the data. Almost none of it is usable in time to matter.

I lived this problem before I ever wrote a line of code. I spent my career supporting executive leadership inside a community bank — close enough to the top to know exactly what it takes to run one, and exactly where the tools bank leaders were given fell short.

NineFive exists to close that gap. TrueNIM prices what's coming in with the discipline an ALM desk expects. BankCore shows what's already on the books with the clarity a lending team can actually use. Real infrastructure a lending team, a treasury desk, and an ALCO can run on every day, in any rate environment.

Built by someone who got tired of watching it happen.

Kyle Hughes

Kyle Hughes

Founder & CEO

Kyle leads product, strategy, and company direction at NineFive. He spent most of his career supporting executive leadership inside a community bank and is a graduate of the Southwest Graduate School of Banking — he knows firsthand what it actually takes to run a bank, and built NineFive around that.

Connect on LinkedIn
Let's talk margin

See what your numbers look like on NineFive.

Tell us what you're pricing, forecasting, or trying to understand about your balance sheet — we'll show you exactly how NineFive fits.