The Cecilian Bank

Chartered Bank Active FDIC Insured
Health Score
10.0 / 10

104 E Main St, Cecilia, KY 42724

Financial Overview

Total Assets $1.57B
Total Deposits $1.30B
Profitability (ROA) 1.61%
Shareholder Return (ROE) 15.47%
Capital Cushion (Eq/Assets) 10.34%
Established 05/01/1903

Financial Health Analysis

The Cecilian Bank is a currently active commercial lending specialization banking institution headquartered in Cecilia, Kentucky. Established in 05/01/1903, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, The Cecilian Bank manages $1.57B in total assets and holds $1.30B in customer deposits. When evaluating the stability of The Cecilian Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 10.34%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.61%, while its Return on Equity (ROE) sits at 15.47%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$68.4M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: http://www.thececilianbank.com

FDIC Certificate #: 8774

Specialization: Commercial Lending Specialization

Location

104 E Main St

Cecilia, Kentucky 42724

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