The Cecilian Bank: how it compares with its peers
Against 16 KY banks with half to twice its assets, The Cecilian Bank's strongest measure in Q2 2026 is efficiency ratio (48.73% vs. a 58.43% peer median). Its weakest relative measure is net interest margin (3.92% vs. 3.89%).
| Measure | The Cecilian Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.23% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.89% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.73% | 58.43% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.4M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.51% | 80.76% | Context |
What it means for lending operations
Its efficiency ratio of 48.73% is better than the 58.43% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Forcht Bank, National Association Lexington, KY · $1.65B
- Community Financial Services Bank Benton, KY · $1.37B
- First Southern National Bank Lancaster, KY · $1.28B
- Whitaker Bank Lexington, KY · $1.93B
- Planters Bank, Inc. Hopkinsville, KY · $1.96B
- Heritage Bank, Inc. Burlington, KY · $1.99B
Questions about The Cecilian Bank
How big is The Cecilian Bank?
The Cecilian Bank, established in 1903, is headquartered in Cecilia, KY. It reported $1.59B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is The Cecilian Bank's return on assets?
1.67% annualized in Q2 2026, against a 1.23% median for 16 KY banks with half to twice its assets, ahead of 81% of them.
What is The Cecilian Bank's efficiency ratio?
48.73% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 58.43%, and lower is better.
Is The Cecilian Bank growing its loans?
Net loans grew 2.2% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.