Built to replace the spreadsheets and gut-checks most banks still price and analyze with.
The number of U.S. bank charters has been cut roughly in half since 2008, from about 8,500 to around 4,500 today, and nearly all of that decline has come from community banks, not the megabanks. Every year, more of them get bought, merged, or squeezed out, competing against tech giants and fintechs with marketing budgets bigger than their entire balance sheet.
That matters more than a headline. Community banks hold about 15% of industry assets but originate 36% of small business loans. They operate nearly three out of every four rural bank branches, and in a quarter of U.S. counties, they're the only bank in town. When a community bank thrives, the businesses, farms, and families around it thrive with it.
NineFive exists to help community banks do more than survive that pressure. We build the pricing and analytics infrastructure that lets a $400 million bank compete like a $40 billion one, so the banks that actually reinvest in their communities can keep doing it.
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.
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