Ergo Bank
Markesan, WI · Cert 10004 · Peer group: banks under $1B in assets in WI (n=110-113) · FS Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$276.7MAssets
$224.8MLoans
$226.2MDeposits
$25.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 73% of banks under $1B in assets in WI (rank 30 of 113).
- Widest gap: return on equity trails 94% of banks under $1B in assets in WI (rank 106 of 113).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.32%
Rank 106 of 113
Net Interest Margin
3.88%
Rank 30 of 113
Efficiency Ratio
82.83%
Rank 102 of 113
Equity / Assets
9.20%
Rank 84 of 113
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 11% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.85% | 1.17% | 1.51% | Beats 6% | 106 / 113 | | |
| Return on Equity | 3.46% | 7.70% | 10.77% | 13.67% | Beats 6% | 106 / 113 | | |
| Net Interest Margin | 3.88% | 3.19% | 3.59% | 3.89% | Beats 73% | 30 / 113 | | |
| Efficiency Ratio | 82.83% | 54.61% | 62.43% | 71.88% | Beats 11% | 102 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.03% | 0.24% | 0.91% | Beats 14% | 96 / 110 | | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.01% | Beats 10% | 100 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 9.67% | 11.22% | 12.95% | 15.76% | Beats 10% | 102 / 113 | | |
| Total Risk-Based Capital Ratio | 10.72% | 11.57% | 13.59% | 16.73% | Beats 16% | 95 / 113 | | |
| Equity / Assets | 9.20% | 9.17% | 10.74% | 13.13% | Beats 26% | 84 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.39% | 76.54% | 86.37% | 98.93% | 77th pctl | 26 / 112 | | |
| Loans / Assets | 81.23% | 63.07% | 71.33% | 78.84% | 79th pctl | 24 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |