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The Cecilian Bank
Cecilia, KY · FDIC Certificate #8774 · Chartered 05/0
Total assets
$1.59B
Total deposits
$1.33B
Total equity
$163.70M
Net loans
$1.06B
Branches (offices)
19
Net income (YTD)
$13.17M
Rank: #709 of 4,213 U.S. banks by assets · #12 of 120 in Kentucky. Assets changed 2.2% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 16.14% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 10.28% |
| Tier 1 leverage ratio | 10.99% |
| Uninsured deposits (share of deposits) | 28.6% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 79.5% |
| Real estate loans (share of loans) | 88.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $938.21M | 88.9% | |
| Commercial & industrial | $60.21M | 5.7% | |
| Consumer / individual | $47.08M | 4.5% | |
| Construction & development | $81.44M | 7.7% | |
| Agricultural | $21.52M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.42B | $1.17B | $7.40M | $108.90M |
| Jun 2023 | $1.43B | $1.20B | $7.59M | $116.90M |
| Jun 2024 | $1.52B | $1.27B | $6.94M | $134.43M |
| Jun 2025 | $1.56B | $1.27B | $9.64M | $156.96M |
| Jun 2026 | $1.59B | $1.33B | $13.17M | $163.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $1.33B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.33B.
Similar-sized banks
Transportation Alliance Bank, Inc. D/B/A Tab Bank ($1.59B) · Peoples Bank And Trust Company ($1.59B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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