Cerescobank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cerescobank of Ceresco, NE against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.68% | 3.13% | -1.45% | 75th top |
| ROAE | 13.11% | 10.29% | +2.82% | 74th above |
| Net Interest Margin | 3.31% | 3.94% | -0.63% | 24th bottom |
| Efficiency Ratio | 41.99% | 76.39% | -34.40% | 94th top |
| PPNR / Avg Assets | 2.19% | 1.40% | +0.79% | 84th top |
| Yield on Earning Assets | 5.19% | 5.35% | -0.16% | 48th below |
| Cost of Funds | 2.07% | 1.70% | +0.37% | 25th below |
| Net Interest Spread | 2.69% | 3.32% | -0.63% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.10% | -0.06% | 21st bottom |
| ACL / Total Loans | 1.73% | 1.49% | +0.24% | 76th top |
| Texas Ratio | 0.23% | 8.28% | -8.05% | 65th above |
| Provision / NCO | 311.11% | 289.85% | +21.26% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.85% | 17.65% | -3.80% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.94% | 16.46% | -3.52% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.94% | 16.20% | -3.26% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.44% | 72.85% | -8.41% | 53rd above |
| Core Deposit Ratio | 87.28% | 88.28% | -1.00% | 30th below |
| Wholesale Funding Ratio | 1.60% | 5.20% | -3.60% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.21% | 4.25% | +4.96% | 81st top |
| Loan Growth (Y/Y) | 21.08% | 6.72% | +14.36% | 91st top |
| Deposit Growth (Y/Y) | 9.49% | 3.71% | +5.78% | 83rd top |
See Cerescobank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cerescobank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cerescobank profile, how to read a UBPR, or how this data updates.