BlastPoint's Banking Scorecard
CerescoBank
Designations: ✓ Community bank
Ceresco, NE
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits +9.5% year over year ($69.0M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.52%.
- Efficiency ratio 44.22% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.33% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CerescoBank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 75.17% below tier average
- + ROA 0.53% above tier average
- + Delinquency Rate 1.42% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.60% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.3M
+9.2% YoY
+2.1% QoQ
|
+$18.8M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$43.7M
+21.4% YoY
+5.0% QoQ
|
+$8.8M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$69.0M
+9.5% YoY
-0.3% QoQ
|
+$17.4M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.52%
+26.2% YoY
+10.8% QoQ
|
+0.53% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
3.31%
+18.6% YoY
+1.0% QoQ
|
-0.60% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
44.22%
-17.7% YoY
-4.4% QoQ
|
-75.17% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 5.2% in tier |
| Delinquency Rate ? |
0.06%
-91.6% YoY
-73.4% QoQ
|
-1.42% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
63.33%
+10.8% YoY
+5.3% QoQ
|
-10.88% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
19.37%
+7.6% YoY
+3.8% QoQ
|
-4.12% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.03%
-90.6% YoY
-72.6% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
13.85%
+3.5% YoY
+0.9% QoQ
|
-13.27% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.31%
+3.1% YoY
+122.7% QoQ
|
-1.07% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
85% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.4%
+1.4pp YoY +0.7pp QoQ |
-5.3pp | 24.6% | 17.6% | 22.2% | 33% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.6%
-1.5pp YoY +0.3pp QoQ |
+3.2pp | 13.4% | 12.3% | 12.5% | 73% |
| CRE |
12.0%
+1.3pp YoY -0.6pp QoQ |
-13.2pp | 25.2% | 32.3% | 41.4% | 16% |
| 1-4 Family |
28.2%
+1.7pp YoY -1.0pp QoQ |
-6.7pp | 35.0% | 16.9% | 31.3% | 47% |
| Consumer |
11.1%
-2.3pp YoY 0.0pp QoQ |
+3.4pp | 7.7% | 3.1% | 5.0% | 81% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
13.9%
+0.5pp YoY +0.1pp QoQ |
-3.8pp | 17.7% | 12.1% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 98 | 482 | 43% |
| Assets per Employee ($) |
$8.1M
+9.2% YoY +2.1% QoQ |
+$1.9M | $6.2M | $8.5M | $8.8M | 81% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.6pp YoY -0.2pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 20% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
29.54x
+947.9% YoY +263.4% QoQ |
+23.13x | 6.41x | 31.69x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+1.3pp YoY +1.0pp QoQ |
+5.7pp | 6.4% | 12.3% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.9% | 1.7% | 80% |
| Net Income ($, YTD) |
$605,000
+33.0% YoY — QoQ |
+$287K | $317,817 | $6.1M | $40.4M | 83% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.