FDIC Cert #10004 · Markesan, Wisconsin · Est. 1910

Ergo Bank - FDIC Bank Health Profile

A community-scale look at Ergo Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$261M
Total assets
C
Health grade · Fair
0.64%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

Ergo Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.61% Tier 1, 0.64% ROA, 76% efficiency ratio.

#2,685
largest of 4,313 FDIC banks by assets
38th
percentile by asset size, nationally
10.61%
Tier 1 ratio - above the 10% well-capitalized line
21st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10004 · WI C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3689/4307
  • PHOTO-FINISH Capon Valley Bank · WV
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 12.5% Texas
  • ROA-THIN 0.64% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Capon Valley Bank, WV (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Ergo Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Kilmichael · MS · ne…62/100Capon Valley Bank · WV · near62/100Ergo Bank · WI · this bank62/100First State Bank · OK · near62/100The Bank of Fayette… · TN · …62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Ergo Bank · July 2026

Call Report read for Ergo Bank in a high-failure state

Ergo Bank (FDIC Cert #10004) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,689 of 4,307. Tier 1 capital prints at 10.61%, clearing the 10% well-capitalized line. The Texas Ratio is 12.47%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.64%. Balance-sheet scale is $261M, 2,685th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Capon Valley Bank (WV), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Ergo Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Ergo Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Ergo Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How Ergo Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Ergo Bank's composite health score
Tier 1 Capital Ratio (10.61%) 28/40
Return on Assets (ROA) (0.64%) 14/25
Texas Ratio (12.47%) 16/20
Efficiency Ratio (75.53%) 4/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$261M

Total balance-sheet footings

Total Deposits

$220M

Customer-funded liabilities

Net Loans

$203M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.21% 10.61% 12.01%
Basel III capital ratios - Ergo Bank

Where Ergo Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ergo Bank's score of 62/100 falls in the highlighted band.

Ergo Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 14th percentile higher than 14% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Ergo Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Ergo Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ergo Bank's $261M falls in the highlighted band.

Capital & credit buffers at Ergo Bank

Tier 1 capital ratio
Well-capitalized 10%

10.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.61%
Texas Ratio
12.47%
Equity Capital
$26M

What these ratios mean →

Profitability metrics: Ergo Bank

Return on Assets (ROA)
21st percentile nationally
0.64%
Return on Equity (ROE)
6.55%
Efficiency Ratio
75.53%

What these mean →

Income & expense at Ergo Bank

$15M
Interest Income
$806K
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Ergo Bank reports a Texas Ratio of 12.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Ergo Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($261M here), outside Wisconsin so the neighborhood is not state containment.

Bank of Franklin $261M · MS Bridge City State Bank $261M · TX Patriots Bank $261M · KS First Bank of Manhattan $261M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ergo Bank (FDIC Cert #10004) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Ergo Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%