Ergo Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ergo Bank of Markesan, WI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.81% | 1.25% | -0.44% | 22nd bottom |
| ROAE | 8.68% | 13.17% | -4.49% | 27th below |
| Net Interest Margin | 4.19% | 3.95% | +0.24% | 63rd above |
| Efficiency Ratio | 75.59% | 61.50% | +14.09% | 17th bottom |
| PPNR / Avg Assets | 0.93% | — | — | 17th bottom |
| Yield on Earning Assets | 6.32% | 5.67% | +0.65% | 81st top |
| Cost of Funds | 2.24% | 1.87% | +0.37% | 24th bottom |
| Net Interest Spread | 3.86% | — | — | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.74% | 0.93% | +0.81% | 15th bottom |
| NPA / Total Assets | 1.41% | — | — | 13th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 76th top |
| ACL / Total Loans | 1.10% | — | — | 38th below |
| ACL / NPLs (Coverage) | 63.11% | — | — | 16th bottom |
| Texas Ratio | 16.36% | 6.06% | +10.30% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.67% | 17.18% | -7.51% | 1st bottom |
| Tier 1 Ratio | 9.67% | 17.21% | -7.54% | 1st bottom |
| Total Capital Ratio | 10.72% | — | — | 1st bottom |
| Leverage Ratio | 8.42% | 11.75% | -3.33% | 5th bottom |
| Equity / Assets | 9.20% | 10.98% | -1.78% | 30th below |
| TCE / Tangible Assets | 7.85% | — | — | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.39% | 80.44% | +18.95% | 12th bottom |
| Core Deposit Ratio | 78.06% | 86.95% | -8.89% | 13th bottom |
| Wholesale Funding Ratio | 8.35% | — | — | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.59% | — | — | 88th top |
| Loan Growth (Y/Y) | 13.55% | — | — | 83rd top |
| Deposit Growth (Y/Y) | 7.72% | — | — | 74th above |
See Ergo Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ergo Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ergo Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Ergo Bank peer analysis.