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Cerescobank
Ceresco, NE · FDIC Certificate #1993 · Chartered 09/0
Total assets
$81.26M
Total deposits
$69.02M
Total equity
$10.52M
Net loans
$43.71M
Branches (offices)
1
Net income (YTD)
$605.00K
Rank: #3,825 of 4,213 U.S. banks by assets · #113 of 138 in Nebraska. Assets changed 9.2% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 12.11% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 12.94% |
| Tier 1 leverage ratio | 13.85% |
| Uninsured deposits (share of deposits) | 13.7% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 63.3% |
| Real estate loans (share of loans) | 60.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $26.45M | 60.5% | |
| Commercial & industrial | $7.26M | 16.6% | |
| Consumer / individual | $4.84M | 11.1% | |
| Construction & development | $2.72M | 6.2% | |
| Agricultural | $5.61M | 12.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $66.55M | $59.31M | $144.00K | $7.14M |
| Jun 2023 | $66.25M | $56.58M | $225.00K | $7.15M |
| Jun 2024 | $70.33M | $62.31M | $235.00K | $7.69M |
| Jun 2025 | $74.40M | $63.04M | $455.00K | $8.82M |
| Jun 2026 | $81.26M | $69.02M | $605.00K | $10.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $69.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.02M.
Similar-sized banks
The Atlanta National Bank ($81.27M) · First Security Bank Of Deer Lodge ($81.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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