| Metric | Ergo Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +4.4% | +8.2 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.8 pts |
| Loan growth (YoY) | +13.3% | +5.6% | +7.7 pts |
| ROA | 0.33% | 1.24% | -0.9 pts |
| ROE | 3.5% | 11.9% | -8.4 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $276.7M | $226.2M | $222.3M | $25.5M | $441K | 0.33% | 4.21% | 1.41% |
| Q1 2026 | $262.7M | $221.7M | $210.8M | $25.3M | $-110K | -0.17% | 4.21% | 1.41% |
| Q4 2025 | $261.0M | $219.6M | $203.4M | $25.9M | $1.6M | 0.64% | 4.24% | 1.33% |
| Q3 2025 | $254.6M | $216.5M | $197.6M | $25.7M | $1.3M | 0.68% | 4.07% | 1.48% |
| Q2 2025 | $245.8M | $209.9M | $196.3M | $24.0M | $925K | 0.76% | 4.07% | 1.47% |
| Q1 2025 | $240.0M | $202.3M | $194.4M | $23.7M | $437K | 0.72% | 3.98% | 1.55% |
| Q4 2024 | $243.5M | $209.0M | $192.7M | $23.2M | $1.5M | 0.61% | 3.76% | 1.51% |
| Q3 2024 | $242.7M | $203.0M | $199.7M | $23.4M | $1.0M | 0.59% | 3.71% | 1.54% |
Loan mix (Q2 2026): real estate $176.0M · commercial $24.5M · consumer $1.2M · securities $32.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ergo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 62.9% | 87th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ergo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ergo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Ergo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ergo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ergo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 1 state (+0 vs 2024) · $209.9M branch deposits. Biggest market: Green Lake, WI, ranked 4th with 6.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Green Lake, WI | 1 | $97.8M | 6.64% | 4th |
| Monroe, WI | 3 | $61.4M | 4.29% | 10th |
| Dodge, WI | 1 | $50.8M | 2.37% | 12th |
Wisconsin: 155th with 0.08% ·
Branch count: 2022 2 · 2023 5 · 2024 5 · 2025 5