Side-by-side · Q2 2026 data
CerescoBank vs Bank of Elgin
Metric by metric
| Measure | CerescoBank | Bank of Elgin |
|---|---|---|
| TellerScore | 92 | 92 |
| Capital cushion | 89 (stronger) | 85 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 97 (stronger) | 78 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 92nd | 92nd |
| Total assets | $81.3M | $87.3M |
| Deposits / shares | $69.0M | $74.7M |
| Capital ratio | 13.85% (stronger) | 13.54% |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.52% | 2.34% (stronger) |
| Loans ÷ deposits | 63.3% (stronger) | 76.7% |
| Uninsured deposits | 13.7% (stronger) | 20.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), CerescoBank leads on 3 and Bank of Elgin on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.