Ergo Bank (FDIC certificate #10004) is based in Markesan, Wisconsin. Its Q2 2026 call report shows $276.7M in total assets and $226.2M in deposits and 6 offices.
Ergo Bank has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 149th. Problem-loan coverage contributes the most (72/100, 14.0%); earnings contributes the least (33/100, 0.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (48 → 44), mostly because the earnings component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 45 |
| Q4 2024 | 46 |
| Q1 2025 | 47 |
| Q2 2025 | 48 |
| Q3 2025 | 49 |
| Q4 2025 | 49 |
| Q1 2026 | 41 |
| Q2 2026 | 44 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.71% |
| Q3 2024 | 8.62% |
| Q4 2024 | 8.44% |
| Q1 2025 | 8.77% |
| Q2 2025 | 8.72% |
| Q3 2025 | 9.07% |
| Q4 2025 | 8.93% |
| Q1 2026 | 8.62% |
| Q2 2026 | 8.42% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.66% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.90% |
| Q1 2025 | 1.90% |
| Q2 2025 | 1.83% |
| Q3 2025 | 1.89% |
| Q4 2025 | 1.69% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.74% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.64% |
| Q1 2026 | -0.17% |
| Q2 2026 | 0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $276.7M | 8.42% | 1.74% | 0.33% | 98.3% |
| Q1 2026 | 41 | $262.7M | 8.62% | 1.74% | -0.17% | 95.1% |
| Q4 2025 | 49 | $261.0M | 8.93% | 1.69% | 0.64% | 92.6% |
| Q3 2025 | 49 | $254.6M | 9.07% | 1.89% | 0.68% | 91.3% |
| Q2 2025 | 48 | $245.8M | 8.72% | 1.83% | 0.76% | 93.5% |
| Q1 2025 | 47 | $240.0M | 8.77% | 1.90% | 0.72% | 96.1% |
| Q4 2024 | 46 | $243.5M | 8.44% | 1.90% | 0.61% | 92.2% |
| Q3 2024 | 45 | $242.7M | 8.62% | 1.86% | 0.59% | 98.4% |
| Q2 2024 | 47 | $232.6M | 8.71% | 1.66% | 0.65% | 102.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers State Bank of WaupacaBank Waupaca, WI | 84 out of 100, Strong | $279.5M | 11.6% | 0.00% | vs |
| Bank of DeerfieldBank Deerfield, WI | 76 out of 100, Strong | $268.3M | 10.5% | 0.13% | vs |
| First Federal Bank of WisconsinBank Waukesha, WI | 82 out of 100, Strong | $285.9M | 22.5% | 0.02% | vs |
| Pillar BankBank Baldwin, WI | 62 out of 100, Moderate | $267.0M | 10.0% | 0.92% | vs |
| Nekoosa Port Edwards State BankBank Nekoosa, WI | 93 out of 100, Very strong | $286.5M | 15.1% | 0.00% | vs |
| Alliance BankBank Mondovi, WI | 72 out of 100, Strong | $266.0M | 9.0% | 0.58% | vs |
Deposit insurance
Is my money safe at Ergo Bank?
Yes. Ergo Bank is an FDIC-insured institution (FDIC certificate #10004). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.4% of deposits ($34.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.72% (benchmark: 10%).
6 locations
Branches
Ergo Bank lists 6 offices in 6 cities. Most locations:
- Fox Lake, WI (1)
- Kendall, WI (1)
- Lomira, WI (1)
- Markesan, WI (1)
- Norwalk, WI (1)
- Wilton, WI (1)
Identity & history
Profile
- Legal name
- Ergo Bank
- Former names
- Farmers State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10004
- RSSD ID
- 599643
- Primary regulator
- FDIC
- Holding company
- Fs Bancshares Inc
- Established
- January 20, 1910
- Headquarters
- 730 N Margaret St, Markesan, WI 53946
- Website
- www.ergobank.com
- Employees
- 52
Quick answers
Ergo Bank: common questions
Is Ergo Bank FDIC insured?
Yes. Ergo Bank is an FDIC-insured institution (FDIC certificate #10004). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ergo Bank's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ergo Bank ever failed?
There is no failure record for FDIC certificate #10004 in the FDIC failed bank list.
How many branches does Ergo Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Markesan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Fox Valley Savings BankBank Fond Du Lac, WI | 79 out of 100, Strong | $387.3M | 15.4% | 0.33% | vs |
| Farmers and Merchants Union BankBank Columbus, WI | 78 out of 100, Strong | $872.1M | 10.0% | 0.15% | vs |
| Golden Rule Community Credit UnionCredit union Ripon, WI | 72 out of 100, Strong | $42.6M | 12.0% | 1.05% | vs |
| State Bank of ReesevilleBank Reeseville, WI | 68 out of 100, Moderate | $169.5M | 9.6% | 0.01% | vs |
| Bank First, N.A.Bank Manitowoc, WI | 68 out of 100, Moderate | $5.9B | 9.3% | 0.56% | vs |