The Cecilian Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Cecilian Bank of Cecilia, KY against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.72% | 1.46% | +0.26% | 78th top |
| ROAE | 16.83% | 12.69% | +4.14% | 80th top |
| Net Interest Margin | 3.97% | 3.85% | +0.12% | 66th above |
| Efficiency Ratio | 47.19% | 57.41% | -10.22% | 81st top |
| PPNR / Avg Assets | 2.32% | 1.88% | +0.44% | 82nd top |
| Yield on Earning Assets | 5.45% | 5.72% | -0.27% | 44th below |
| Cost of Funds | 1.59% | 2.02% | -0.43% | 76th top |
| Net Interest Spread | 3.54% | 3.18% | +0.36% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.60% | 1.00% | -0.40% | 51st above |
| NPA / Total Assets | 0.41% | 0.76% | -0.35% | 56th above |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 50th above |
| ACL / Total Loans | 1.14% | 1.31% | -0.17% | 49th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 188.97% | 564.60% | -375.63% | 53rd above |
| Texas Ratio | 3.89% | 7.39% | -3.50% | 57th above |
| Provision / NCO | 800.00% | 618.41% | +181.59% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.99% | 11.44% | -0.45% | 60th above |
| Equity / Assets | 10.28% | 11.34% | -1.06% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.04% | 10.50% | -0.46% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.43% | 86.96% | -6.53% | 69th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.05% | 85.55% | +2.50% | 47th below |
| Uninsured Deposit Ratio | 28.64% | 33.13% | -4.49% | 58th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.66% | 5.70% | -0.04% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.17% | 9.68% | -7.51% | 29th below |
| Loan Growth (Y/Y) | 2.30% | 8.06% | -5.76% | 30th below |
| Deposit Growth (Y/Y) | 4.17% | 7.88% | -3.71% | 46th below |
See The Cecilian Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Cecilian Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Cecilian Bank profile, how to read a UBPR, or how this data updates.