Ergo Bank (FDIC #10004): Bank Stress & Real-Estate Credit Exposure

Ergo Bank (FDIC Cert #10004): bank stress 87/100, severe, STABLE over 7 days; parent FS BANCSHARES INC.

Ergo Bank (#10004) lends in 3 counties across 1 state; Ergo Bank (#10004) reaches 54 ZIP codes: Wisconsin 3 counties, 54 ZIPs.

Ergo Bank (#10004) largest markets: Dodge County, WI (64 branches, 32 ZIPs) (#10004), Green Lake County, WI (12 branches, 12 ZIPs) (#10004), Monroe County, WI (36 branches, 12 ZIPs) (#10004).

Ergo Bank (#10004) reports $276.7 million in total assets; Ergo Bank (#10004) equity $25.5 million (9.2% of Ergo Bank (#10004) assets); Ergo Bank (#10004) domestic deposits $226.2 million; Ergo Bank (#10004) net income $441,000; Ergo Bank (#10004) return on assets 0.33%; Ergo Bank (#10004) return on equity 3.45%; Ergo Bank (#10004) net interest income $5.2 million; Ergo Bank (#10004) call report June 30, 2026.

Ergo Bank (#10004) noncurrent real-estate loans: none reported; Ergo Bank (#10004) net charge-offs on real estate 1.15%; Ergo Bank (#10004) multifamily charge-offs 8.18%.

Ergo Bank (#10004) net interest margin 4.21% against an eight-quarter Ergo Bank (#10004) average of 4.03% (Ergo Bank (#10004) compression -0.18 points); Ergo Bank (#10004) rate-exposure score 40/100, Ergo Bank (#10004) fixed-rate trap 40/100; Ergo Bank (#10004) risk type credit driven; Ergo Bank (#10004) rate regime rates elevated, Ergo Bank (#10004) snapshot October 19, 2026.

Ergo Bank (#10004) stress score moved from 82.3 on June 22, 2026 to 86.7 on October 20, 2026; Ergo Bank (#10004) ranged 82.3 to 86.7 over 117 snapshots.

Ergo Bank (#10004) alerts: 3 counties; top Ergo Bank (#10004) alert scores: Lomira County, WI 27 (low); Markesan County, WI 27 (low); Wilton County, WI 27 (low).