NineFive builds two products for community bank finance teams: TrueNIM, for pricing loans to market and simulating net interest margin, and BankCore, for ALCO, stress testing, and call report analytics. Both exist to replace the spreadsheets and rate-sheet guesswork most community banks still price and analyze with.
The number of U.S. bank charters has fallen by roughly half since 2008, from about 8,500 to around 4,500 today, and nearly all of that decline has come from community banks rather than the megabanks. Each year more of them are bought, merged, or squeezed out, competing against national banks and fintechs with marketing budgets larger than their entire balance sheet.
Community banks hold about 15% of industry assets but originate 36% of small business loans. They operate close to three of every four rural bank branches, and in about a quarter of U.S. counties they are the only bank in town. When a community bank does well, the businesses, farms, and families around it do well with it.
NineFive builds the pricing and analytics infrastructure that lets a $400 million bank compete with a $40 billion one, so the banks that reinvest in their communities can keep doing it.
TrueNIM prices each loan against current market rates, values the deposit relationship, and shows the effect on net interest margin, capital, and liquidity before the loan is booked. More than $1.2 billion in deal volume has been priced through it.
Explore TrueNIMBankCore turns FFIEC call report and FDIC UBPR data into ALCO reporting, stress testing, peer benchmarking, and M&A screening across more than 4,000 U.S. banks. NineFive has served 85 financial institutions through BankCore, reaching that within 90 days of launch with zero marketing spend.
Explore BankCore
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 takes to run a bank, and built NineFive around that.
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