Ergo Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.7% to $233.2M. On CET1 ratio, Ergo Bank is 2nd from the bottom among 85 Wisconsin banks, 9.67% (Q2 2026). Ergo Bank reported 9.67% on CET1 ratio for Q2 2026, 5.41 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.67% |
| Tier 1 risk-based capital ratio | 9.67% |
| Total risk-based capital ratio | 10.72% |
| Tier 1 leverage ratio | 8.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.5M |
| Tier 1 capital | $22.5M |
| Total risk-based capital | $25.0M |
| Total equity capital | $25.5M |
| Risk-weighted assets | $233.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.20% |
| Tangible equity to tangible assets | 7.85% |
| Equity capital to average assets | 9.37% |
| Internal capital growth rate | 2.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $7.6M |
| Retained earnings | $18.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.42% | 9.42% | 10.14% | 8.73% | $202.5M |
| Q4 2023 | 9.76% | 9.76% | 10.49% | 8.65% | $200.3M |
| Q1 2024 | 9.86% | 9.86% | 10.59% | 8.49% | $199.8M |
| Q2 2024 | 10.07% | 10.07% | 10.82% | 8.71% | $199.4M |
| Q3 2024 | 9.75% | 9.75% | 10.49% | 8.62% | $207.6M |
| Q4 2024 | 10.26% | 10.26% | 11.04% | 8.44% | $201.1M |
| Q1 2025 | 10.21% | 10.21% | 11.00% | 8.77% | $204.1M |
| Q2 2025 | 10.22% | 10.22% | 11.02% | 8.72% | $206.5M |
| Q3 2025 | 10.73% | 10.73% | 11.53% | 9.07% | $210.5M |
| Q4 2025 | 10.61% | 10.61% | 11.54% | 8.93% | $214.0M |
| Q1 2026 | 10.13% | 10.13% | 11.22% | 8.62% | $220.6M |
| Q2 2026 | 9.67% | 9.67% | 10.72% | 8.42% | $233.2M |
Ergo Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ergo Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ergo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10004) · FFIEC NIC profile (RSSD 599643)