Total Assets
$261M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$220M
Customer-funded liabilities
Net Loans
$203M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
21st percentile nationally
0.64%
Return on Equity (ROE)
6.55%
Efficiency Ratio
75.53%
What the numbers say about Ergo Bank
Ergo Bank is an FDIC-insured institution (Certificate #10004) headquartered in Markesan, Wisconsin, established in 1910. It holds $261M in total assets - 2,685th of 4,313 FDIC-insured banks, $220M in customer deposits, and $203M in net loans. Looking at capital strength, Tier 1 stands at 10.61%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 12.47%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, Ergo Bank ranks 108th of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Wisconsin by total assets
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.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Ergo Bank's health grade?▼
Ergo Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Ergo Bank?▼
Ergo Bank holds $261M in total assets and $220M in deposits, ranking 2,685th of 4,313 FDIC-insured banks by asset size. It is headquartered in Markesan, Wisconsin.
Is my money safe at Ergo Bank?▼
Yes, deposits at Ergo Bank (Certificate #10004) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Ergo Bank's Tier 1 Capital Ratio?▼
Ergo Bank has a Tier 1 Capital Ratio of 10.61%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Ergo Bank?▼
Ergo Bank has a Texas Ratio of 12.47%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Ergo Bank?▼
Ergo Bank has an Efficiency Ratio of 75.53%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Ergo Bank's profile as a depositor or analyst.
- Ergo Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Ergo Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.