CECIL BANK

ELKTON, MD | Small | RSSD #813572
Latest Report: 2025-12-31

CECIL BANK is asn small FDIC-insured commercial bank headquartered in ELKTON, MD. As of 2025-12-31, the bank reported total assets of $219M and total deposits of $188M. Profitability stands at 0.15% ROA and 1.09% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 13.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.31%.

Assets

$219M

Deposits

$188M

Loans

$155M

Equity

$29M

Profitability

Return on Assets (ROA) 0.15%
Return on Equity (ROE) 1.09%
Net Interest Margin (NIM) 3.96%
Yield on Assets 5.80%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.17%
Texas Ratio 1.31%
NPA Ratio 0.19%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 13.73%
Tier 1 Capital 13.73%
Total Capital Ratio 14.52%
Leverage Ratio 10.67%
Loan-to-Deposit 82.66%

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