Side-by-side · Q2 2026 data
The Cecilian Bank vs First State Bank
Metric by metric
| Measure | The Cecilian Bank | First State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 70 |
| Capital cushion | 60 | 62 (stronger) |
| Loan quality | 87 (stronger) | 56 |
| Earnings | 87 | 89 (stronger) |
| Funding & liquidity | 66 | 79 (stronger) |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 83rd | 43rd |
| Total assets | $1.6B | $402.0M |
| Deposits / shares | $1.3B | $354.3M |
| Capital ratio | 10.99% | 11.23% (stronger) |
| Problem loans | 0.40% (stronger) | 1.33% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.67% | 1.72% (stronger) |
| Loans ÷ deposits | 79.5% (stronger) | 81.2% |
| Uninsured deposits | 28.6% | 14.3% (stronger) |
| Offices | 19 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | — |
The Cecilian Bank has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Cecilian Bank leads on 4 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hardinsburg, KY
- Irvington, KY