CerescoBank

Ceresco, NebraskaFDIC Cert #1993

STATEEstablished 19111 branch

Holding company: CERESCO BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$1.86M
Investor CRE	$675K
Multifamily	$25K
Construction	$2.69M
1–4 family	$12.2M
C&I	$6.81M
Agriculture	$13.3M
Other	$4.92M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$42.4M

+24.5%y/y

Percentile by value68th percentileby value

FDICLNLSGR

Net loans

$41.6M

+24.7%y/y

Percentile by value68th percentileby value

FDICLNLSNET

Loans YoY

+24.66%

+599.4%y/y

Percentile by value94th percentileby value

FDICLNLSNET

L/D

60.1%

+15.7%y/y

Percentile by value42nd percentileby value

FDICLNLSNET + DEP

Loans/assets

52.3%

+18.1%y/y

Percentile by value48th percentileby value

FDICLNLSNET + ASSET

RE loans %

62.51%

+7.4%y/y

Percentile by value39th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,657points

+2.5%y/y

Peer standing90th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

4.38%

+7.0%y/y

Percentile by value50th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

1.59%

−17.1%y/y

Percentile by value35th percentileby value

FDICLNRENROT + LNLSGR

C&I %

16.05%

−7.7%y/y

Percentile by value74th percentileby value

FDICLNCI + LNLSGR