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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ceresco, NE · FDIC certificate #1993
CERESCOBANK is an FDIC-insured institution based in Ceresco, NE (FDIC certificate #1993). In its Q3 2026 Call Report it reported total assets of $82M, total deposits of $68M and net loans of $44M. Its primary federal regulator is FDIC.
Plain-language readout
CERESCOBANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $82M in Q3 2026 and were lowest at $80M in Q1 2026.
Total deposits were highest at $69M in Q1 2026 and lowest at $68M in Q3 2026.
Over the whole period total assets rose 3.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $82M | $68M | $44M | 1.45% | 11.77% | 3.39% |
| Q2 2026 | $81M | $69M | $44M | 1.52% | 12.11% | 3.31% |
| Q1 2026 | $80M | $69M | $42M | 1.37% | 11.10% | 3.28% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.1M | $3.7M | -$1.6M | -43.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $27.9M | $26.7M | +$1.2M | +4.5% |
| Equity securities with readily determinable fair values, not held for trading | $2.7M | $2.7M | -$3K | -0.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $43.7M | $41.6M | +$2.1M | +5.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $913K | $929K | -$16K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.8M | $3.8M | +$4K | +0.1% |
| Total assets | $81.3M | $79.6M | +$1.6M | +2.1% |
| Liabilities | ||||
| Total deposits | $69.0M | $69.3M | -$233K | -0.3% |
| Federal funds purchased | $97K | $0K | +$97K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.2M | $0K | +$1.2M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $421K | $436K | -$15K | -3.4% |
| Total liabilities | $70.7M | $69.7M | +$1.0M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $7.2M | $7.2M | $0K | 0.0% |
| Retained earnings | $3.5M | $3.2M | +$334K | +10.4% |
| Accumulated other comprehensive income | -$522K | -$782K | +$260K | +33.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.5M | $9.9M | +$594K | +6.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $26K | $93K | -$67K | -72.0% |
| Adjusted nonperforming assets | $26K | $93K | -$67K | -72.0% |
| Tangible equity plus allowance | $11.3M | $10.7M | +$606K | +5.7% |
| Texas ratio (gross) | 0.23% | 0.87% | -0.64 pts | See points |
| Texas ratio (adjusted) | 0.23% | 0.87% | -0.64 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.23% | 0.87% | -0.64 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.85% | 13.74% | +0.12 pts | See points |
| Construction and land loans to total capital | 23.06% | 23.45% | -0.38 pts | See points |
| Commercial real estate to total capital | 28.70% | 29.55% | -0.86 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.99% | -9.25% | +3.26 pts | See points |
| Liquidity | ||||
| Core deposits | $60.2M | $60.5M | -$301K | -0.5% |
| Non-core funding | $10.1M | $8.7M | +$1.4M | +15.7% |
| Loans to core deposits | 73.84% | 70.04% | +3.79 pts | See points |
| Loans to deposits | 64.44% | 61.23% | +3.21 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 25.77% | 26.93% | -1.16 pts | See points |
| Loans pledged, share of loans | 37.97% | 40.60% | -2.64 pts | See points |
| Volatile liabilities | $10.3M | $9.0M | +$1.4M | +15.2% |
| Earnings | ||||
| Earnings before provision, year to date | $811K | $375K | +$436K | +116.3% |
| Earnings before provision, single quarter | $436K | $375K | +$61K | +16.3% |
| Provision for credit losses, year to date | $28K | $13K | +$15K | +115.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.90% | 6.85% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 4.87% | 4.77% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.81% | 0.83% | -0.02 pts | See points |
| Cost of savings and money market deposits | 1.10% | 0.85% | +0.26 pts | See points |
| Cost of time deposits | 3.65% | 3.74% | -0.09 pts | See points |
| Total interest expense to average assets | 1.78% | 1.75% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $82M | $68M | $44M | 1.45% | 11.77% | 3.39% |
| 2026-06-30 | $81M | $69M | $44M | 1.52% | 12.11% | 3.31% |
| 2026-03-31 | $80M | $69M | $42M | 1.37% | 11.10% | 3.28% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $63M | 0.07% | 127 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.