BlastPoint's Banking Scorecard
The Cecilian Bank
Community
Specialty: Commercial
KY
FDIC cert 8774
Cecilia, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
The Cecilian Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+3.7% YoY
+1.0% QoQ
|
+$169.7M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.0B
+4.5% YoY
+0.1% QoQ
|
+$70.7M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.3B
+2.9% YoY
+1.5% QoQ
|
+$120.3M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.39%
+42.1% YoY
-0.1% QoQ
|
+0.22% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.65%
+18.9% YoY
+2.6% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
51.96%
-14.2% YoY
-2.1% QoQ
|
-10.68% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.39%
-4.3% YoY
-14.9% QoQ
|
-0.24% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
81.42%
+1.6% YoY
-1.4% QoQ
|
-1.64% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
18.39%
-1.4% YoY
-1.5% QoQ
|
-2.65% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.26%
-3.5% YoY
-15.7% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.77%
+1.7% YoY
+31.9% QoQ
|
+0.03% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#171 of 432 · Bottom 39% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Efficiency Ratio
Current: 51.96% · Tier avg: 62.63%
75
75th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.74%
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.42% · Tier avg: 83.06%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.39% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.39% · Tier avg: 21.05%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
54
54th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.42% · Tier avg: 83.06%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
75
75th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.74%
80
80th pctile
Efficiency Ratio
Current: 51.96% · Tier avg: 62.63%