Side-by-side · Q2 2026 data
Ergo Bank vs The Farmers State Bank of Waupaca
Metric by metric
| Measure | Ergo Bank | The Farmers State Bank of Waupaca |
|---|---|---|
| TellerScore | 44 | 84 (stronger) |
| Capital cushion | 34 | 66 (stronger) |
| Loan quality | 42 | 100 (stronger) |
| Earnings | 33 | 80 (stronger) |
| Funding & liquidity | 61 | 90 (stronger) |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 4th | 86th |
| Total assets | $276.7M | $279.5M |
| Deposits / shares | $226.2M | $244.1M |
| Capital ratio | 8.42% | 11.57% (stronger) |
| Problem loans | 1.74% | 0.00% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 0.33% | 1.50% (stronger) |
| Loans ÷ deposits | 98.3% | 70.0% (stronger) |
| Uninsured deposits | 15.4% | 9.4% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers State Bank of Waupaca has the higher TellerScore (84 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Ergo Bank leads on 0 and The Farmers State Bank of Waupaca on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.