The Cecilian Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.61 percentage points in Q2 2026, from 184.36% to 188.97%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Cecilian Bank is 30th of 119 on return on assets, 1.72% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Cecilian Bank sits 0.44 points higher, at 1.72% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.99% |
| Equity capital to assets | 10.28% |
| Tangible equity to tangible assets | 10.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.89% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 188.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 16.83% |
| Net interest margin | 3.97% |
| Efficiency ratio | 47.19% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.43% |
| Core deposits to total deposits | 88.05% |
| Brokered deposits to total deposits | 0.21% |
| Deposits to assets | 83.38% |
| Securities to assets | 21.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.42% | 0.96% | 3.09% | 0.38% | 0.00% |
| Q4 2023 | 10.42% | 0.98% | 3.00% | 0.39% | 0.02% |
| Q1 2024 | 10.33% | 0.84% | 2.79% | 0.39% | 0.00% |
| Q2 2024 | 10.38% | 0.96% | 2.90% | 0.46% | 0.00% |
| Q3 2024 | 10.69% | 1.06% | 3.04% | 0.39% | 0.00% |
| Q4 2024 | 11.01% | 0.97% | 3.20% | 0.48% | 0.08% |
| Q1 2025 | 11.20% | 1.05% | 3.26% | 0.36% | 0.21% |
| Q2 2025 | 11.12% | 1.44% | 3.47% | 0.44% | 0.02% |
| Q3 2025 | 11.13% | 1.61% | 3.66% | 0.48% | 0.03% |
| Q4 2025 | 11.11% | 1.37% | 3.85% | 0.55% | 0.06% |
| Q1 2026 | 11.16% | 1.60% | 3.79% | 0.61% | -0.01% |
| Q2 2026 | 10.99% | 1.72% | 3.97% | 0.60% | 0.03% |
The Cecilian Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cecilian Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Cecilian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8774) · FFIEC NIC profile (RSSD 982142)