Side-by-side · Q2 2026 data
CerescoBank vs First Bank of Utica
Metric by metric
| Measure | CerescoBank | First Bank of Utica |
|---|---|---|
| TellerScore | 92 (stronger) | 76 |
| Capital cushion | 89 | 93 (stronger) |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 81 (stronger) | 45 |
| Funding & liquidity | 97 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 92nd | 56th |
| Total assets | $81.3M | $77.4M |
| Deposits / shares | $69.0M | $62.4M |
| Capital ratio | 13.85% | 14.27% (stronger) |
| Problem loans | 0.06% (stronger) | 0.63% |
| Net charge-offs | 0.04% (stronger) | 0.08% |
| Return on assets | 1.52% (stronger) | 0.63% |
| Loans ÷ deposits | 63.3% (stronger) | 93.4% |
| Uninsured deposits | 13.7% | 12.7% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CerescoBank has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), CerescoBank leads on 5 and First Bank of Utica on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.