Cerescobank
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Data as of · sourced from FFIEC call reports. How we update
Cerescobank is an FDIC-insured commercial bank headquartered in Ceresco, NE, established in 1911 (FDIC certificate 1993), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $81.3M, up 9.2% from Q2 2025, the 113th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1993
- Headquarters
- Ceresco, NE
- Established
- 1911
- Total assets, Q2 2026
- $81.3M
- Assets vs Q2 2025
- +9.2%
- Tier 1 leverage ratio, Q2 2026
- 13.85%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104909201
- Holding company
- CERESCO BANCORP, INC.
- Asset rank in state
- 113th of 138 in Nebraska
Cerescobank runs leaner than most banks of its size. The Ceresco, Nebraska bank had $81 million in assets at June 30, 2026, up 9.2% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also grew its loan book 21.1% over the year, 8.2 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $335,000, 90% above the same quarter a year earlier. Over the same year, loans grew 21.1% and deposits grew 9.5%. Its margin is thin by comparison: it keeps 3.31 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Cerescobank reported a return on assets of 1.68%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
Cerescobank ranks as the 113th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $81.3M, loans rose 4.9% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.7% of total loans, ahead of farmland and other real estate loans at 19.9%. The FDIC Summary of Deposits lists a single office for it, in Ceresco, NE. By the capital ratios in its Q2 2026 call report, Cerescobank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 130 Elm St, Ceresco, NE 68017
- County
- Saunders
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1911
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $69.0M
- Allowance for credit losses
- $768K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $79.7M
- Average total loans
- $43.1M
- Average interest-bearing deposits
- $55.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1993
- Fed RSSD
- 75651
- Website
- WWW.CERESCOBANK.COM →
- Parent Holding Company
- CERESCO BANCORP, INC. (RSSD 2696984)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cerescobank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cerescobank's total assets ranged from $66.0M (Q4 2023) to $81.3M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$81.3M total assets against $74.4M; $70.7M total liabilities against $65.6M.
$43.7M net loans and leases against $36.0M; $69.0M total deposits against $63.0M.
$30.7M securities against $32.6M; $2.1M cash and balances due against $968K.
$970K total interest income against $864K; $354K total interest expense against $371K.
$616K net interest income against $493K.
$140K total noninterest income against $116K; $320K total noninterest expense against $302K.
$15K provision for credit losses against $99K.
$335K net income against $176K.
1.68% return on assets against 0.92%; 3.31% net interest margin against 2.75%.
13.85% tier 1 leverage ratio against 13.38%.
Inside the full Cerescobank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.39% (Q4 2024) to 1.68% (Q2 2026) and its net interest margin ran from 2.45% (Q4 2024) to 3.31% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.85% | 1.68% | 0.06% | 0.23% | 3.31% |
| Q1 2026 | 13.74% | 1.39% | 0.22% | 0.87% | 3.23% |
| Q4 2025 | 13.23% | 0.01% | 0.05% | 0.19% | 3.16% |
| Q3 2025 | 13.51% | 1.34% | 0.65% | 2.65% | 3.01% |
| Q2 2025 | 13.38% | 0.92% | 0.69% | 2.66% | 2.75% |
| Q1 2025 | 13.07% | 1.45% | 0.20% | 0.77% | 2.62% |
| Q4 2024 | 12.82% | -0.39% | 0.18% | 0.72% | 2.45% |
| Q3 2024 | 13.62% | 1.20% | 0.24% | 0.86% | 2.49% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cerescobank (main office) | Ceresco , NE | 68017 | $69.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 124 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $1.1M approved, $375K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cerescobank
What are Cerescobank's total assets?
As of the Q2 2026 filing, Cerescobank reported total assets of $81.3 million in its FFIEC call report.
Where is Cerescobank headquartered?
It is headquartered in Ceresco, NE, United States.
When was Cerescobank founded?
It was established in 1911, per the FDIC institution directory.
Is Cerescobank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cerescobank?
Cerescobank's primary federal regulator is the FDIC.
How many branches does Cerescobank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cerescobank's Texas Ratio?
Its Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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