Headquartered in Ceresco, Nebraska, CerescoBank is a state-chartered bank with $81.3M in total assets and $69.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1911.
Based on its Q2 2026 filing, CerescoBank scores 92/100, which we describe as very strong. That is higher than 92% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 8th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is earnings (81/100; 1.52%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (83 → 92), mostly because the loan quality component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 85 |
| Q4 2024 | 80 |
| Q1 2025 | 88 |
| Q2 2025 | 83 |
| Q3 2025 | 83 |
| Q4 2025 | 85 |
| Q1 2026 | 89 |
| Q2 2026 | 92 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.59% |
| Q3 2024 | 13.62% |
| Q4 2024 | 12.82% |
| Q1 2025 | 13.07% |
| Q2 2025 | 13.38% |
| Q3 2025 | 13.51% |
| Q4 2025 | 13.23% |
| Q1 2026 | 13.74% |
| Q2 2026 | 13.85% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.53% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.26% |
| Q4 2025 | 0.94% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $81.3M | 13.85% | 0.06% | 1.52% | 63.3% |
| Q1 2026 | 89 | $79.6M | 13.74% | 0.22% | 1.37% | 60.1% |
| Q4 2025 | 85 | $77.5M | 13.23% | 0.05% | 0.94% | 62.9% |
| Q3 2025 | 83 | $76.6M | 13.51% | 0.65% | 1.26% | 64.0% |
| Q2 2025 | 83 | $74.4M | 13.38% | 0.69% | 1.21% | 57.1% |
| Q1 2025 | 88 | $75.4M | 13.07% | 0.20% | 1.47% | 52.0% |
| Q4 2024 | 80 | $76.4M | 12.82% | 0.18% | 0.53% | 54.7% |
| Q3 2024 | 85 | $72.2M | 13.62% | 0.24% | 0.87% | 52.7% |
| Q2 2024 | 83 | $70.3M | 13.59% | 0.23% | 0.68% | 52.4% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Clarkson BankBank Clarkson, NE | 82 out of 100, Strong | $81.4M | 11.0% | 0.19% | vs |
| First Tri County BankBank Swanton, NE | 72 out of 100, Strong | $78.5M | 9.1% | 0.04% | vs |
| First Bank of UticaBank Utica, NE | 76 out of 100, Strong | $77.4M | 14.3% | 0.63% | vs |
| Scribner BankBank Scribner, NE | 96 out of 100, Very strong | $86.9M | 16.6% | 0.04% | vs |
| Commercial State BankBank Republican City, NE | 97 out of 100, Very strong | $75.5M | 28.6% | 0.00% | vs |
| Bank of ElginBank Elgin, NE | 92 out of 100, Very strong | $87.3M | 13.5% | 0.00% | vs |
Deposit insurance
Is my money safe at CerescoBank?
Yes. CerescoBank is an FDIC-insured institution (FDIC certificate #1993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.7% of deposits ($9.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
CerescoBank lists 1 office in 1 city. Most locations:
- Ceresco, NE (1)
Identity & history
Profile
- Legal name
- CerescoBank
- Former names
- Farmers & Merchants Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1993
- RSSD ID
- 75651
- Primary regulator
- FDIC
- Holding company
- Ceresco Bcorp Inc
- Established
- September 1, 1911
- Headquarters
- 130 Elm St, Ceresco, NE 68017
- Website
- www.cerescobank.com
- Employees
- 10
Quick answers
CerescoBank: common questions
Is CerescoBank FDIC insured?
Yes. CerescoBank is an FDIC-insured institution (FDIC certificate #1993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CerescoBank's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has CerescoBank ever failed?
There is no failure record for FDIC certificate #1993 in the FDIC failed bank list.
How many branches does CerescoBank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ceresco
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| Nebraska State Employees Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $36.8M | 14.0% | 0.11% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |
| Cattle Bank and TrustBank Seward, NE | 87 out of 100, Very strong | $421.9M | 12.9% | 0.08% | vs |
| Liberty First Credit UnionCredit union Lincoln, NE | 86 out of 100, Very strong | $523.4M | 15.1% | 0.79% | vs |