The Cecilian Bank
104 E Main St, Cecilia, KY 42724
Financial Overview
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