CECILIAN BANK, THE

CECILIA, KY | Large | Est. May 1, 1903, midnight | FDIC #8774 | RSSD #982142 | FDIC
Latest Report: 2025-12-31

CECILIAN BANK, THE is aln large FDIC-insured commercial bank headquartered in CECILIA, KY, established in May 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.3B. Profitability stands at 1.38% ROA and 13.23% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 9.88%. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 2.28%. FDIC Certificate #8774.

Assets

$1.6B

Deposits

$1.3B

Loans

$1.1B

Equity

$163M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 13.23%
Net Interest Margin (NIM) 3.98%
Yield on Assets 5.66%
Cost of Funds 2.16%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.08%
Texas Ratio 2.28%
NPA Ratio 0.26%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 9.88%
Tier 1 Capital 9.88%
Total Capital Ratio 10.37%
Leverage Ratio 11.11%
Loan-to-Deposit 82.34%

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