ERGO BANK

MARKESAN, WI | Small | Est. Jan. 20, 1910, midnight | FDIC #10004 | RSSD #599643 | FDIC
Latest Report: 2025-12-31

ERGO BANK is asn small FDIC-insured commercial bank headquartered in MARKESAN, WI, established in Jan. 20, 1910, midnight. As of 2025-12-31, the bank reported total assets of $261M and total deposits of $220M. Profitability stands at 0.55% ROA and 5.46% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 10.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.69% and a Texas Ratio of 12.47%. FDIC Certificate #10004.

Assets

$261M

Deposits

$220M

Loans

$205M

Equity

$26M

Profitability

Return on Assets (ROA) 0.55%
Return on Equity (ROE) 5.46%
Net Interest Margin (NIM) 4.72%
Yield on Assets 6.94%
Cost of Funds 2.31%

Asset Quality

NPL Ratio 1.69%
Net Charge-Off Ratio 0.00%
Texas Ratio 12.47%
NPA Ratio 1.33%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 10.61%
Tier 1 Capital 10.61%
Total Capital Ratio 11.54%
Leverage Ratio 8.93%
Loan-to-Deposit 93.55%

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