The Cecilian Bank
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Data as of · sourced from FFIEC call reports. How we update
The Cecilian Bank is an FDIC-insured commercial bank headquartered in Cecilia, KY, established in 1903 (FDIC certificate 8774), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.59B, up 2.2% from Q2 2025, the 12th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8774
- Headquarters
- Cecilia, KY
- Established
- 1903
- Total assets, Q2 2026
- $1.59B
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 10.99%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 083904631
- Latest call report
- Q2 2026, FFIEC 051 · The Cecilian Bank call report
- Holding company
- FIRST CECILIAN BANCORP, INC.
- Asset rank in state
- 12th of 120 in Kentucky
The Cecilian Bank runs leaner than most banks of its size. Based in Cecilia, Kentucky, it had $1.6 billion in assets at June 30, 2026, up 2.2% from a year earlier. It spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also returns 16.8% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Net income for the quarter rose 22% from a year earlier, to $6.9 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $21 million equal 12% of Tier 1 capital, down from 17% a year earlier.
As of June 30, 2026, The Cecilian Bank reported a return on assets of 1.72%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.48%. The figures come from its call report filed with the FFIEC.
The Cecilian Bank ranks as the 12th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $1.59B, loans rose 1.4% and deposits rose 2.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.9%. Its 19 offices in the FDIC Summary of Deposits are in 14 cities in KY; its Leitchfield 3 offices book 23% of its branch deposits. Judged on its Q2 2026 call report, The Cecilian Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 E Main St, Cecilia, KY 42724
- County
- Hardin
- Metro Area
- Elizabethtown, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1903
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 246
- Domestic deposits
- $1.33B
- Allowance for credit losses
- $12.2M
- Net charge-offs (YTD)
- $48K
- Average total assets
- $1.60B
- Average total loans
- $1.05B
- Average interest-bearing deposits
- $1.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8774
- Fed RSSD
- 982142
- Website
- http://www.thececilianbank.com →
- Parent Holding Company
- FIRST CECILIAN BANCORP, INC. (RSSD 1928633)
- Ultimate Parent
- PINE KNOB HOLDINGS, LLC (RSSD 5623570)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Cecilian Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Cecilian Bank's total assets ranged from $1.44B (Q3 2023) to $1.59B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.59B total assets against $1.56B; $1.43B total liabilities against $1.40B.
$1.06B net loans and leases against $1.03B; $1.33B total deposits against $1.27B.
$338.0M securities against $344.5M; $127.2M cash and balances due against $111.1M.
$20.5M total interest income against $19.3M; $5.6M total interest expense against $6.4M.
$14.9M net interest income against $12.8M.
$3.4M total noninterest income against $3.2M; $9.0M total noninterest expense against $8.8M.
$334K provision for credit losses against -$123K.
$6.9M net income against $5.6M.
1.72% return on assets against 1.44%; 3.97% net interest margin against 3.47%.
10.99% tier 1 leverage ratio against 11.12%.
Inside the full The Cecilian Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Cecilian Bank rankings
Its closest position to the top of a national ranking is 558 of 3,606, for efficiency ratio; its furthest is 586 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.97% (Q4 2024) to 1.72% (Q2 2026) and its net interest margin ran from 3.04% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.99% | 1.72% | 0.40% | 2.48% | 3.97% |
| Q1 2026 | 11.16% | 1.60% | 0.40% | 2.46% | 3.79% |
| Q4 2025 | 11.11% | 1.37% | 0.39% | 2.42% | 3.85% |
| Q3 2025 | 11.13% | 1.61% | 0.46% | 2.89% | 3.66% |
| Q2 2025 | 11.12% | 1.44% | 0.33% | 2.10% | 3.47% |
| Q1 2025 | 11.20% | 1.05% | 0.37% | 2.59% | 3.26% |
| Q4 2024 | 11.01% | 0.97% | 0.41% | 2.76% | 3.20% |
| Q3 2024 | 10.69% | 1.06% | 0.39% | 2.57% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oaklawn Branch | Elizabethtown , KY | 42701 | $192.1M |
| Leitchfield Branch | Leitchfield , KY | 42754 | $158.6M |
| Hardinsburg | Hardinsburg , KY | 40143 | $151.1M |
| Leitchfield Square | Leitchfield , KY | 42754 | $117.7M |
| Hillcrest Branch | Cecilia , KY | 42724 | $86.5M |
| Munfordville Branch | Munfordville , KY | 42765 | $77.8M |
| Prospect Point Branch | Elizabethtown , KY | 42701 | $77.1M |
| The Cecilian Bank | Cecilia , KY | 42724 | $66.5M |
| Vine Grove Branch | Vine Grove , KY | 40175 | $66.0M |
| Hartford Branch | Hartford , KY | 42347 | $49.4M |
| Brandenberg Branch | Brandenburg , KY | 40108 | $49.4M |
| Sonora Branch | Sonora , KY | 42776 | $42.6M |
| Radcliff Branch | Radcliff , KY | 40160 | $42.3M |
| Irvington Branch | Irvington , KY | 40146 | $36.4M |
| Rineyville Branch | Rineyville , KY | 40162 | $30.8M |
| Southgate Branch | Leitchfield , KY | 42754 | $26.2M |
| Historic Downtown Elizabethtown Banking Center | Elizabethtown , KY | 42701 | $23.4M |
| Glasgow Banking Center Branch | Glasgow , KY | 42141 | $18.1M |
| Hiseville Branch | Hiseville , KY | 42152 | $15.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 18, 2020 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2016 | Structure Change | Acquired The Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in KY, rank 19 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 874 applications, 692 loans originated, $133.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $486K approved, $122K average. 25.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Cecilian Bank
What are The Cecilian Bank's total assets?
As of the Q2 2026 filing, The Cecilian Bank reported total assets of $1.59 billion in its FFIEC call report.
Where is The Cecilian Bank headquartered?
It is headquartered in Cecilia, KY, United States.
When was The Cecilian Bank founded?
It was established in 1903, per the FDIC institution directory.
Is The Cecilian Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Cecilian Bank?
The Cecilian Bank's primary federal regulator is the FDIC.
How many branches does The Cecilian Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Cecilian Bank's Texas Ratio?
Its Texas Ratio is 2.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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