The Cecilian Bank is a state-chartered bank headquartered in Cecilia, Kentucky, in business for about 123 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.3B in deposits, with 19 offices.
Based on its Q2 2026 filing, The Cecilian Bank scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 34th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (60/100; 10.99%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (74 → 77), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.38% |
| Q3 2024 | 10.69% |
| Q4 2024 | 11.01% |
| Q1 2025 | 11.20% |
| Q2 2025 | 11.12% |
| Q3 2025 | 11.13% |
| Q4 2025 | 11.11% |
| Q1 2026 | 11.16% |
| Q2 2026 | 10.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.37% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.46% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.26% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $1.6B | 10.99% | 0.40% | 1.67% | 79.5% |
| Q1 2026 | 77 | $1.6B | 11.16% | 0.40% | 1.61% | 80.1% |
| Q4 2025 | 74 | $1.6B | 11.11% | 0.39% | 1.39% | 81.4% |
| Q3 2025 | 74 | $1.5B | 11.13% | 0.46% | 1.39% | 82.5% |
| Q2 2025 | 74 | $1.6B | 11.12% | 0.33% | 1.26% | 81.1% |
| Q1 2025 | 73 | $1.5B | 11.20% | 0.37% | 1.06% | 80.3% |
| Q4 2024 | 71 | $1.5B | 11.01% | 0.41% | 0.98% | 80.2% |
| Q3 2024 | 71 | $1.5B | 10.69% | 0.39% | 0.97% | 79.4% |
| Q2 2024 | 69 | $1.5B | 10.38% | 0.42% | 0.92% | 77.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Forcht Bank, National AssociationBank Lexington, KY | 66 out of 100, Moderate | $1.6B | 8.2% | 0.05% | vs |
| Community Financial Services BankBank Benton, KY | 70 out of 100, Strong | $1.4B | 10.3% | 0.42% | vs |
| First Southern National BankBank Lancaster, KY | 68 out of 100, Moderate | $1.3B | 10.8% | 0.61% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| Heritage Bank, Inc.Bank Burlington, KY | 65 out of 100, Moderate | $2.0B | 9.0% | 0.47% | vs |
Deposit insurance
Is my money safe at The Cecilian Bank?
Yes. The Cecilian Bank is an FDIC-insured institution (FDIC certificate #8774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.6% of deposits ($380.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
19 locations
Branches
The Cecilian Bank lists 19 offices in 14 cities. Most locations:
- Elizabethtown, KY (3)
- Leitchfield, KY (3)
- Cecilia, KY (2)
- Brandenburg, KY (1)
- Glasgow, KY (1)
- Hardinsburg, KY (1)
- Hartford, KY (1)
- Hiseville, KY (1)
- Irvington, KY (1)
- Munfordville, KY (1)
- Radcliff, KY (1)
- Rineyville, KY (1)
HMDA 2025
Mortgage lending
In 2025, The Cecilian Bank reported 915 home-loan applications under HMDA (LEI 549300S2RLEOF6WG7P87): 697 originated ($133,475,000 total), 94 denied, and 90 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Cecilian Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8774
- RSSD ID
- 982142
- Primary regulator
- FDIC
- Holding company
- Pine Knob Holdings Llc
- Established
- May 1, 1903
- Headquarters
- 104 E Main St, Cecilia, KY 42724
- Website
- www.thececilianbank.com
- Employees
- 246
Quick answers
The Cecilian Bank: common questions
Is The Cecilian Bank FDIC insured?
Yes. The Cecilian Bank is an FDIC-insured institution (FDIC certificate #8774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Cecilian Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Cecilian Bank ever failed?
There is no failure record for FDIC certificate #8774 in the FDIC failed bank list.
How many branches does The Cecilian Bank have?
19 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cecilia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Wilson & Muir Bank & Trust CompanyBank Bardstown, KY | 76 out of 100, Strong | $818.4M | 9.4% | 0.27% | vs |