BlastPoint's Banking Scorecard
Ergo Bank
Markesan, WI
6 branches across WI
Ergo Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.7% in tier
- - Return on Assets 0.90% below tier average
- - Non-Interest-Bearing Deposit Share 13.34% below tier average
- - Delinquency Rate 0.87% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$263.1M
+9.6% YoY
+0.8% QoQ
|
-$123.0M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$211.1M
+8.6% YoY
+3.8% QoQ
|
-$44.6M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$221.7M
+9.6% YoY
+1.0% QoQ
|
-$106.3M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
0.36%
-49.5% YoY
-43.3% QoQ
|
-0.90% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.8% in tier |
| Net Interest Margin ? |
4.21%
+5.6% YoY
-0.7% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
86.85%
+13.3% YoY
+15.0% QoQ
|
+21.56% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate ? |
1.75%
-8.5% YoY
+2.5% QoQ
|
+0.87% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
95.24%
-0.9% YoY
+2.8% QoQ
|
+18.61% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
8.68%
-7.5% YoY
-22.9% QoQ
|
-13.34% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.4% in tier |
| Nonperforming Asset Ratio ? |
1.41%
-9.3% YoY
+5.5% QoQ
|
+0.77% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.0% in tier |
| Tier 1 Capital Ratio ? |
10.28%
+0.7% YoY
-3.0% QoQ
|
-5.55% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.4% in tier |
| Non-Interest Income / Assets ? |
0.07%
-33.0% YoY
-77.2% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
32% |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.