Cerescobank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.21 percentage points higher than in Q1 2026, at 64.44%. Cerescobank ranks 43rd of 138 Nebraska banks on return on assets, in the upper half at 1.68% (Q2 2026). Cerescobank's return on assets of 1.68% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.85% |
| Equity capital to assets | 12.94% |
| Tangible equity to tangible assets | 12.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.23% |
| Allowance for credit losses to loans | 1.73% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 13.11% |
| Net interest margin | 3.31% |
| Efficiency ratio | 41.99% |
| Yield on earning assets | 5.19% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.44% |
| Core deposits to total deposits | 87.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.94% |
| Securities to assets | 37.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.84% | 0.51% | 2.33% | 0.06% | -0.01% |
| Q4 2023 | 13.67% | -0.32% | 2.32% | 0.06% | 0.06% |
| Q1 2024 | 13.64% | 0.66% | 2.32% | 0.19% | -0.57% |
| Q2 2024 | 13.59% | 0.67% | 2.34% | 0.24% | 0.23% |
| Q3 2024 | 13.62% | 1.20% | 2.49% | 0.03% | -0.05% |
| Q4 2024 | 12.82% | -0.39% | 2.45% | 0.10% | 0.03% |
| Q1 2025 | 13.07% | 1.45% | 2.62% | 0.10% | -0.08% |
| Q2 2025 | 13.38% | 0.92% | 2.75% | 0.00% | 0.34% |
| Q3 2025 | 13.51% | 1.34% | 3.01% | 0.00% | 0.23% |
| Q4 2025 | 13.23% | 0.01% | 3.16% | 0.00% | 0.04% |
| Q1 2026 | 13.74% | 1.39% | 3.23% | 0.00% | 0.05% |
| Q2 2026 | 13.85% | 1.68% | 3.31% | 0.00% | 0.04% |
Cerescobank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cerescobank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cerescobank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1993) · FFIEC NIC profile (RSSD 75651)