| Metric | CerescoBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +3.0% | +6.2 pts |
| Deposit growth (YoY) | +9.5% | +2.5% | +7.0 pts |
| Loan growth (YoY) | +21.4% | +2.6% | +18.8 pts |
| ROA | 1.52% | 0.99% | +0.5 pts |
| ROE | 12.1% | 8.1% | +4.0 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.3M | $69.0M | $43.7M | $10.5M | $605K | 1.52% | 3.31% | 0.03% |
| Q1 2026 | $79.6M | $69.3M | $41.6M | $9.9M | $270K | 1.37% | 3.28% | 0.12% |
| Q4 2025 | $77.5M | $65.8M | $41.4M | $9.5M | $717K | 0.94% | 3.00% | 0.03% |
| Q3 2025 | $76.6M | $63.0M | $40.4M | $9.3M | $715K | 1.26% | 2.90% | 0.35% |
| Q2 2025 | $74.4M | $63.0M | $36.0M | $8.8M | $455K | 1.21% | 2.79% | 0.34% |
| Q1 2025 | $75.4M | $64.3M | $33.4M | $8.4M | $279K | 1.47% | 2.74% | 0.09% |
| Q4 2024 | $76.4M | $63.5M | $34.7M | $8.1M | $379K | 0.53% | 2.51% | 0.08% |
| Q3 2024 | $72.2M | $63.2M | $33.3M | $8.6M | $453K | 0.87% | 2.51% | 0.11% |
Loan mix (Q2 2026): real estate $26.4M · commercial $7.3M · consumer $4.8M · securities $30.7M
| Ratio | CerescoBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.99% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 8.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.2% | 70.8% | 5th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | CerescoBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | CerescoBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | CerescoBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | CerescoBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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