CerescoBank: how it compares with its peers
Against 44 NE banks with half to twice its assets, CerescoBank's strongest measure in Q2 2026 is efficiency ratio (44.22% vs. a 63.78% peer median). Its weakest relative measure is net interest margin (3.31% vs. 3.87%).
| Measure | CerescoBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.31% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.31% | 3.87% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.22% | 63.78% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.9M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.33% | 78.29% | Context |
What it means for lending operations
Its efficiency ratio of 44.22% is better than the 63.78% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Clarkson Bank Clarkson, NE · $81M
- First Tri County Bank Swanton, NE · $78M
- First Bank of Utica Utica, NE · $77M
- Scribner Bank Scribner, NE · $87M
- Commercial State Bank Republican City, NE · $76M
Questions about CerescoBank
How big is CerescoBank?
CerescoBank, established in 1911, is headquartered in Ceresco, NE. It reported $81M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is CerescoBank's return on assets?
1.52% annualized in Q2 2026, against a 1.31% median for 44 NE banks with half to twice its assets, ahead of 68% of them.
What is CerescoBank's efficiency ratio?
44.22% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 63.78%, and lower is better.
Is CerescoBank growing its loans?
Net loans grew 21.4% over the year to Q2 2026, while deposits grew 9.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.