Side-by-side · Q2 2026 data
The Cecilian Bank vs The Paducah Bank and Trust Company
Metric by metric
| Measure | The Cecilian Bank | The Paducah Bank and Trust Company |
|---|---|---|
| TellerScore | 77 | 79 (stronger) |
| Capital cushion | 60 (stronger) | 56 |
| Loan quality | 87 | 94 (stronger) |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 66 (stronger) | 57 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 83rd | 88th |
| Total assets | $1.6B | $1.1B |
| Deposits / shares | $1.3B | $844.2M |
| Capital ratio | 10.99% (stronger) | 10.63% |
| Problem loans | 0.40% | 0.19% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.67% | 2.25% (stronger) |
| Loans ÷ deposits | 79.5% (stronger) | 94.5% |
| Uninsured deposits | 28.6% | 23.2% (stronger) |
| Offices | 19 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | 7.9% |
The Paducah Bank and Trust Company has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Cecilian Bank leads on 3 and The Paducah Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.