BlastPoint's Banking Scorecard

Ergo Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 10004

Markesan, WI

6 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +7.7% year over year ($226.2M on the books).
Delinquency rate 1.76%.
Return on assets 0.33%.
Efficiency ratio 81.45% vs a 64.48% peer average.
Loan-to-deposit ratio 98.30% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Ergo Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.9% in tier
- Return on Assets 0.99% below tier average
- Delinquency Rate 0.84% above tier average

Get updates when Ergo Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$276.7M +12.6% YoY +5.3% QoQ	-$109.9M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	41%
Total Loans ?	$222.3M +13.3% YoY +5.5% QoQ	-$36.0M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$226.2M +7.7% YoY +2.0% QoQ	-$100.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	40%
Return on Assets ?	0.33% -56.6% YoY +296.7% QoQ	-0.99%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Bottom 8.0% in tier
Net Interest Margin ?	4.21% +3.3% YoY -0.0% QoQ	+0.22%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	81.45% +8.7% YoY -6.2% QoQ	+16.97%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Bottom 12.1% in tier
Delinquency Rate ?	1.76% -4.7% YoY +0.0% QoQ	+0.84%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	15%
Loan-to-Deposit Ratio ?	98.30% +5.1% YoY +3.4% QoQ	+20.35%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 12.2% in tier
Non-Interest-Bearing Deposit Share ?	9.87% +1.9% YoY +13.7% QoQ	-12.16%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	Bottom 10.3% in tier
Nonperforming Asset Ratio ?	1.41% -4.1% YoY +0.2% QoQ	+0.74%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 13.0% in tier
Tier 1 Capital Ratio ?	9.67% -5.4% YoY -4.5% QoQ	-6.24%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Bottom 6.9% in tier
Non-Interest Income / Assets ?	0.13% -25.8% YoY +85.3% QoQ	-0.44%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	9.9% +0.2pp YoY +1.2pp QoQ	-12.3pp	22.1%	18.9%	22.2%	10%
Brokered Deposits	8.5% -5.5pp YoY -1.1pp QoQ	+0.7pp	7.9%	9.2%	8.5%	70%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	11.0% -0.9pp YoY +1.3pp QoQ	-0.5pp	11.6%	10.5%	12.5%	58%
CRE	41.0% +4.9pp YoY -0.3pp QoQ	+1.5pp	39.5%	46.4%	41.4%	55%
1-4 Family	15.5% +2.5pp YoY +0.5pp QoQ	-17.1pp	32.6%	32.3%	31.3%	20%
Consumer	0.5% 0.0pp YoY -0.1pp QoQ	-3.6pp	4.1%	2.6%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	9.7% -0.6pp YoY -0.5pp QoQ	-9.2pp	18.8%	15.5%	19.7%	1%
Leverage Ratio	8.4% -0.3pp YoY -0.2pp QoQ	-3.8pp	12.2%	12.6%	12.6%	5%
Total Capital Ratio	10.7% -0.3pp YoY -0.5pp QoQ	-9.2pp	19.9%	16.6%	20.8%	1%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	52 0 YoY -3 (-5.5%) QoQ	-7	58	134	482	56%
Assets per Employee ($)	$5.3M +12.6% YoY +11.4% QoQ	-$2.2M	$7.5M	$8.2M	$8.8M	19%
Branch Count	6 +1 (+20.0%) YoY 0 QoQ	+1	4	9	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.8% -0.1pp YoY 0.0pp QoQ	+0.8pp	0.9%	0.9%	1.0%	85%
Allowance Coverage	0.63x +37.6% YoY -3.1% QoQ	-23.52x	24.15x	56.89x	20.23x	15%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.0%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	3.5% -4.4pp YoY +5.2pp QoQ	-8.7pp	12.2%	11.8%	11.6%	9%
Cost of Funds (YTD)	2.2% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.8%	1.7%	79%
Net Income ($, YTD)	$441,000 -52.3% YoY — QoQ	-$2.1M	$2.6M	$7.9M	$40.4M	9%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#8 of 361 • Bottom 1.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.45%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2462

Tier 1 Capital Ratio

capital

Value: 9.67%

Peer Median: 15.91%

#2462 of 2643 Bottom 6.9% in $100M-$1B

2432

Return on Assets

profitability

Value: 0.33%

Peer Median: 1.32%

#2432 of 2643 Bottom 8.0% in $100M-$1B

2372

Non-Interest-Bearing Deposit Share

funding

Value: 9.87%

Peer Median: 22.03%

#2372 of 2643 Bottom 10.3% in $100M-$1B

2324

Efficiency Ratio

profitability

Value: 81.45%

Peer Median: 64.48%

#2324 of 2643 Bottom 12.1% in $100M-$1B

2322

Loan-to-Deposit Ratio

liquidity

Value: 98.30%

Peer Median: 77.95%

#2322 of 2643 Bottom 12.2% in $100M-$1B

2300

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.67%

#2300 of 2643 Bottom 13.0% in $100M-$1B

2230

Delinquency Rate

credit_quality

Value: 1.76%

Peer Median: 0.92%

#2230 of 2633 Bottom 15.3% in $100M-$1B