Ergo Bank: Financial Reports & UBPR Data
BankRegReports is independent of Ergo Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Ergo Bank operates with a thinner capital cushion than most banks of its size. Based in Markesan, Wisconsin, it had $277 million in assets at June 30, 2026, up 12.6% from a year earlier. It holds common equity equal to 9.67% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also carries problem assets equal to 16.4% of the capital and reserves that would absorb them, 6.2 times the median of 2.6% for banks its size. It has also been growing, with assets up 12.6% in a year.
Net income for the quarter rose 13% from a year earlier, to $551,000. Over the same year, loans grew 13.6% and deposits grew 7.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Ergo Bank reported a CET1 capital ratio of 9.67%, a return on assets of 0.81%, a nonperforming-loan ratio of 1.74% and a Texas ratio of 16.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 730 N Margaret St, Markesan, WI 53946
- County
- Green Lake
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 20, 1910
- Offices
- 6 domestic
- Employees (FTE)
- 52
- Domestic deposits
- $226.2M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $271.8M
- Average total loans
- $220.2M
- Average interest-bearing deposits
- $204.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10004
- Fed RSSD
- 599643
- SEC CIK
- 1961843 → filed by FS BANCSHARES, INC.
- Website
- www.ergobank.com →
- Parent Holding Company
- FS BANCSHARES, INC. (RSSD 1249691)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ergo Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ergo Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Ergo Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.67% | 0.81% | 1.74% | 16.36% | 4.19% |
| Q1 2026 | 10.13% | -0.17% | 1.74% | 15.68% | 4.10% |
| Q4 2025 | 10.61% | 0.55% | 1.69% | 14.65% | 4.63% |
| Q3 2025 | 10.73% | 0.51% | 1.89% | 16.28% | 4.04% |
| Q2 2025 | 10.22% | 0.79% | 1.83% | 16.86% | 4.09% |
| Q1 2025 | 10.21% | 0.72% | 1.90% | 17.74% | 3.94% |
| Q4 2024 | 10.26% | 0.67% | 1.90% | 18.02% | 3.90% |
| Q3 2024 | 9.75% | 0.47% | 1.86% | 18.19% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ergo Bank (main office) | Markesan , WI | 53946 | $73.5M |
| 314 West State Street Branch | Fox Lake , WI | 53933 | $61.0M |
| Kendall Branch | Kendall , WI | 54638 | $29.9M |
| Wilton Branch | Wilton , WI | 54670 | $27.6M |
| Lomira Branch | Lomira , WI | 53048 | $21.6M |
| Norwalk Branch | Norwalk , WI | 54648 | $12.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 23, 2023 | Structure Change | Acquired Farmers and Merchants Bank of Kendall Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 29, 1991 | Structure Change | Acquired State Bank of Fox Lake Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 28, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Ergo Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 115 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.3M approved, $645K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Ergo Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Ergo Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Ergo Bank
What are Ergo Bank's total assets?
As of the Q2 2026 filing, Ergo Bank reported total assets of $276.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ergo Bank headquartered?
Ergo Bank is headquartered in Markesan, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Ergo Bank founded?
Ergo Bank was established in 1910, per the FDIC institution directory.
Is Ergo Bank FDIC-insured?
Yes. Ergo Bank is an FDIC-insured commercial bank (FDIC Certificate #10004). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ergo Bank?
Ergo Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ergo Bank's CET1 capital ratio?
Ergo Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.67% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Ergo Bank operate?
Ergo Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ergo Bank's Texas Ratio?
Ergo Bank's Texas Ratio is 16.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Ergo Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Ergo Bank, freeFree account