Side-by-side · Q2 2026 data
CerescoBank vs Foundation One Bank
Metric by metric
| Measure | CerescoBank | Foundation One Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 65 |
| Capital cushion | 89 (stronger) | 48 |
| Loan quality | 98 (stronger) | 86 |
| Earnings | 81 (stronger) | 51 |
| Funding & liquidity | 97 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 92nd | 29th |
| Total assets | $81.3M | $182.2M |
| Deposits / shares | $69.0M | $155.5M |
| Capital ratio | 13.85% (stronger) | 9.83% |
| Problem loans | 0.06% (stronger) | 0.41% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.52% (stronger) | 0.78% |
| Loans ÷ deposits | 63.3% (stronger) | 83.6% |
| Uninsured deposits | 13.7% (stronger) | 29.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
CerescoBank has the higher TellerScore (92 vs 65). On the 7 directional measures above (where higher or lower is clearly better), CerescoBank leads on 6 and Foundation One Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.