The Cecilian Bank
Cecilia, Kentucky, Hardin County
$1.6B in total assets, the 727th largest of 4,309 US banks and 12th of 120 headquartered in Kentucky.
- FDIC certificate
- 8774
- Established
- 1903
- Owned by
- Pine Knob Holdings Llc
- Primary regulator
- FDIC
At a glance
Compared with 15 banks headquartered in Kentucky with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 33% | $2.0B | |
| Loans | $1.1B | 33% | $1.2B | |
| Deposits | $1.3B | 33% | $1.7B | |
| Return on assets | 1.59% | 67% | 1.27% | |
| Net interest margin | 3.92% | 60% | 3.81% | |
| Efficiency ratio | 48.7% | 20% | 60.8% | |
| Equity to assets | 10.28% | 53% | 10.00% | |
| Loans to deposits | 80% | 47% | 84% |
Growth
Total assets grew 2.8% a year over the last 5 years and 6.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2020 | Citizens Bank Hartford, KY | $121M |
| May 2016 | The Farmers Bank Hardinsburg, KY | $112M |
| May 2016 | Leitchfield Deposit Bank & Trust Company Leitchfield, KY | $124M |
Where they operate
19 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hardin County, KY | $627M | 23.8% | 1 of 13 |
| Grayson County, KY | $302M | 41.2% | 1 of 4 |
| Breckinridge County, KY | $188M | 33.1% | 2 of 3 |
| Hart County, KY | $78M | 26.4% | 3 of 5 |
| Ohio County, KY | $49M | 10.8% | 5 of 6 |
| Meade County, KY | $49M | 8.5% | 3 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (12 to 19, +58.3%). 2 opened, 9 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 12 | |||
| 2016 | Acquired The Farmers Bank and Leitchfield Deposit Bank & Trust CompanyClosed Hardinsburg and Leitchfield | 6 | 2 | +4 | 16 |
| 2017 | Closed Falls Of Rough | 0 | 1 | −1 | 15 |
| 2019 | Opened Elizabethtown | 1 | 0 | +1 | 16 |
| 2020 | Acquired Citizens BankClosed Hardinsburg | 3 | 1 | +2 | 18 |
| 2023 | Opened Glasgow | 1 | 0 | +1 | 19 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 34% | 32% | |
| Commercial real estate | 31% | 30% | |
| Farmland | 10% | 4% | |
| Construction and land | 8% | 9% | |
| Business (C&I) | 6% | 10% | |
| Multifamily | 5% | 7% | |
| Consumer | 4% | 5% | |
| Agricultural | 2% | 1% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 56% | |
| Time deposits | 35% | 22% | |
| Noninterest-bearing | 17% | 22% |
Brokered deposits are 0.2% of deposits (peers 2.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.40% | 0.25% |
| Net charge-offs, annualized | 0.01% | 0.02% |
| Reserves to loans | 1.14% | 1.19% |
| Leverage ratio | 10.99% | 10.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kentucky
Largest competitors in Hardin County, KY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/cecilian