# CECILIAN BANK
CECILIA, KY · FDIC certificate 8774 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.59B | |
| Deposits | $1.33B | |
| Loans and leases | $1.07B | |
| Total equity | $163.7M | |
| Loans / deposits | 79.51% (p32 of band) | 87.10% |
| Liquid assets / assets | 29.22% (p74 of band) | |
| Uninsured deposits / deposits | 28.64% (p43 of band) | 30.76% |
| Brokered deposits | 0.17% | |
| Wholesale funding | 5.84% (p50 of band) | |
| FHLB advances / assets | 3.06% | |
| Tier 1 leverage | 10.99% (p60 of band) | 10.50% |
| Unrealized securities loss / equity | -12.97% (p33 of band) | -7.75% |
| AOCI / equity | 0.18% (p87 of band) | |
| ROA (annualized) | 1.67% (p77 of band) | 1.26% |
| Net interest margin | 3.92% (p64 of band) | 3.70% |
| Efficiency ratio | 48.73% (p21 of band) | |
| Noncurrent loans | 0.40% (p40 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 286.78% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 49.75% (p52 of band) | |
| Auto loans | $15.7M (1.47% of loans; DQ 1.70%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 246 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 0 |  | charge-offs p90, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | noncurrent p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | uninsured deposits leaving |  |
| 2020-06 | 1 |  | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-08 [Lindsey Alicna named chair of The Cecilian Bank board - The News-Enterprise](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPMXRnOXNlX09WMFFjNUdPNGwzOUdQVHBxcFF2cE5YNmR5ejJTTjZTZ3Z0b2o5cTZHcVlRM2Y2T0VzOV9fcGdLc0lhTW5mZ3RDcnp3M013QjEtQ21xLTg0TkxQQ0J5T0ljZHpHU0RvUGZlQVZEenZ5QVRZRzdISzhXMThiQ1JYYTV4YjE1eDUtbVJ2cXpIVXpQZ0pzemNxMjhXX2NGcmtnV1ZqZHk1VnZ6Q0p2MnZOa2JtZHdYakluNHF3N3hFWWlHQlh1cWxUVTRzN1RpWjA1V3NxbnBLaDdBSFVn?oc=5) · The News-Enterprise
- 2025-12-10 [Bowling Green, Scottsville to receive funding to create affordable housing - WBKO](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNGJPak1ZR2s1R2xHZDYzbjFFSEc1UHNTQUtCSzNJVkhGekNLdmJrTGFDWTJ6TzBuMl9DY0M2UVc0N3lSUHdmSVRDUF9QRUo3Qzh3VjZnM0tWRkJoOG5XMUpXbkJVMGdPYURVNDdST2JnXzlyZkFpNUFOeUFGcjFpWkh5VzdIWWduWHNGQ3dJb3M3YmV4Q2FKSFRCN01yckozMHfSAbYBQVVfeXFMTnNnMW40dE5rWUhENXpZc1c4cS1DNnVnWDF6Z3BlTUdhc0JvSkZGMnVGTkVmSTJ2eHhzTnB2UGZ5OE5LOGM2OHRJTVRhWG1ybGh6Y01jc1IwQ0VDcEY2dDZSTjNlV2J2VTdDYnNOek9vWlo3NzdYbDFjRTdKMjMxaHQ4cXcxTjhhbW5oU3BJWlZ3SGpLb3VRRGFZcW80aHdNWDQxOFlYSTAzRkNCajlRckFBMUZ3a2c?oc=5) · WBKO
- 2019-12-19 [The Cecilian Bank announces merger - The News-Enterprise](https://news.google.com/rss/articles/CBMizAFBVV95cUxNanZTaGRJMUpDUmZEeXlKVWdvTVBwZHlMMjRsY1NIZ285ZnU2emdaQ1VFb3U5X0NwVGVaY2FGdDJJMHpKejJnZ1hDNUE1MFNBWWdYN2JZZ2p2Q3lOUnpONEFGT1RPYXVEQzFKNzBmRXRjemk4cXVFZHc4Wm0yUDZHOEFrdlU2cWZIbEdVU2NEVG5zU3pFTTdHQ1dZQXBiWU1GOHZMa2h1ZVBJQkhRczN4cHNLR3FMc2I4UHROR0xIVHVkYlUybWlBMzQ4enQ?oc=5) · The News-Enterprise
- 2024-06-22 [Bob Owsley Obituary - Elizabethtown, KY - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPNlYxRDVkcmF5WUdwUGthTjh2S25SbEtGT0NwXzRwOU9aeGpCaDZKQWw4ZmIwdUl1OHlwTlZ0RHpVQlE3eXFmUDZZUmt1RFljQVlRcy1zUWZGc2ZrYkdzTUdpWFo0WFRfZWNFX0dtZ1FVU0JxVk54Y2R0WlBmN0NVMkxwNHZtUQ?oc=5) · Dignity Memorial
- 2026-03-16 [Thunderstorm rips through Grayson Co., causing widespread damage. At least 1 tornado touches down - K105](https://news.google.com/rss/articles/CBMixgFBVV95cUxQVXh6cHdRbUluX0o4M2RTUWR2QnNUcHFZREgtRWVyVTZiajBIMGxsZTM2WjFpLWZxOHZsdlhUN3hXajVnM0M4QnJscUV3TTFXZnBWTlNjV2NjM3ZnMmllTk1hU1FOR0RZR2J4c3RORjdZM2xqcDFHb3NRZklSX0RvOTBNLWhZenFQNGpCWmpsVl90NzF4X3d0bmVqV3V0aVZFQ2sxRk9NNmJ5VklUbll2dEpZb1ljYXRkdDloY2Fhb3Bmd3d1eHc?oc=5) · K105
- 2023-10-17 [Mr. Cecilian Bank, Owsley remembered for his dedication to community - The News-Enterprise](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPLUxhUXkxeHE5cGNYcjRzSWx1VHZ6UmIzbzlYTjY1NFJnUzRCZnJLbzloNmpJUHlnYl80NkE4cjlVMEw1Um02VFY5NUF2V05uVGZjV21uTWx1c1V0Y18xaE1UaEFrbW1PN3JfbXo1djEwUmhqRDVsVExXQkQyVGJqU1dDWVVXdVE0RHNZMUZlNjk2UTgtaTdmVDRGQS1QUTNCUUtfVWg0d2duZDJaS05RV1JaYnZCdG1ZVUFYNi1ZMGwzUjlxYTNkV1VWdk5lbW5ZenFfdnhyR25TUUlOaUZpTVUyXzh5NmkzVHBLd3VRRUt4azA?oc=5) · The News-Enterprise
- 2024-06-22 [Jauanita Kenneth Morris Obituary - Elizabethtown, KY - Dignity Memorial](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdjBmUGdoTkdLTkNtcDYwVV9NT1hNcWlWd2dOWUpGYk1lR3VFQ0lZbHNaSDhabW9XbE9BZ0VBb0N3S3FZcFEybzMzUlpTTTlscU55S293aDBrV0Z2Qk5sNUpXVDJzVDROOHVtUGRsbGNwM1JXY3VOT0lsOS16U0VLQ2FHTnpTeDZha09nM0ZuaS1Sb3dfbDJv?oc=5) · Dignity Memorial
- 2018-05-13 [Pawley banks on family, community - The News-Enterprise](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPY0NZRXlBYnF3THpKeW1ETFpSME5vLVpyZENzRUFON2Y5LWtvTXlPWE1ueXcxUTdMVHRyaXJ0N004cWdKTUh4NEplZ1Jma3VtUXdWN1FtQ1JrUU43clFpbDZLdUpjN0JtejEtalI0dlVIMEZ4TklQV1hZeFk0TkhvM0pVRkx6dzgyMkVramEyM1VUbkpXbFBqUFJReHpwUU9iY1MwMi1QMFhKTGhEa0dQdHBxQ1ZaZW9JcktrUmhQcDg5MEF2WG5Xam55WXdLVkI3S0Vj?oc=5) · The News-Enterprise

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8774 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "8774", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide