NineFive is asset-liability management for community banks — advisory from bankers who have run one, and software, TrueNIM and BankCore, that your team runs itself.
A quarterly seat at your ALCO table. Strategy, reporting, and the meeting itself, handled by former community bankers.
The same analysis your team runs itself — between meetings, and at the point of sale.
Price each loan against current market rates, value the deposit relationship, and see the margin, capital, and liquidity impact before you book it.
Turn call report and UBPR data into ALCO reporting, balance-sheet stress tests, and peer analysis across more than 4,000 U.S. banks.
Rates move. Your bank still makes money.
Every cycle, banks that price and analyze with discipline hold their margin. NineFive gives a $400 million bank the discipline a $40 billion bank runs in-house.
NineFive builds loan pricing and ALCO software for community banks. TrueNIM prices loans to market and simulates net interest margin. BankCore runs ALCO, stress tests the balance sheet, and analyzes any of 4,000+ U.S. banks from call report data.
TrueNIM prices what is coming onto the balance sheet, deal by deal. BankCore analyzes what is already on it, yours and every other bank's, for ALCO, stress testing, peer benchmarking, and M&A target screening.
Community bank CFOs, treasurers, ALM officers, ALCO committees, and chief lending officers, at banks from $200MM to $17B in assets.
No. TrueNIM prices individual loans and forecasts their margin, capital, and liquidity impact; BankCore turns call report data into ALCO reporting and peer analysis. If your bank runs a portfolio asset-liability model for regulatory reporting, NineFive runs alongside it, and alongside your core.
Tell us what you're pricing, forecasting, or trying to understand about your balance sheet.
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