The Cecilian Bank


Overview / Commentary
270-862-3294
104 East Main
Cecilia, KY 42724

The Cecilian Bank is headquartered in Cecilia and is the 11th largest bank in the state of Kentucky. It is also the 727th largest bank in the nation. It was established in 1903 and as of March of 2021, it had grown to 258 employees at 19 locations. The Cecilian Bank has an A health rating.

Reviews (1)

Not Up To Modern Expectations

Posted by: |

Their process to get funds once you close a CD is very slow and not customer friendly. They are not even set up to wire funds to your chosen bank so you can get asap when needed. Unless you are able to drive back to the bank and handle the closing in person, it is not a bank we would recommend. They really need to become more modernized and not make closing a CD so tedious.



Health

Health Grade Components

Overall
FDIC Certificate #8774
Year Established1903
Employees258
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD11.82%
Annual Interest Income$10.7MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$1.39B$1.08B
LoansQ1 2021vs Q1 2020$790.2MM$704.0MM
DepositsQ1 2021vs Q1 2020$1.10B$854.0MM
Equity CapitalQ1 2021vs Q1 2020$124.6MM$121.6MM
Loan Loss AllowanceQ1 2021vs Q1 2020$9.7MM$9.8MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$2.4MM$3.3MM
Real Estate OwnedQ1 2021vs Q1 2020$437.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Cecilian Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$50-Savings Account
0.05%*$10k*-Health Savings Account
OTHER TIERS: 0.03% Up to $2.5k | 0.04% $2.5k - $10k

The Cecilian Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$10k-Business Partner Money Market Account
0.05%*$100k*-TGIF Money Market
OTHER TIERS: 0.02% $1k - $10k | 0.03% $10k - $50k | 0.04% $50k - $100k
0.04%*$10k*-Money Market Fund Account
OTHER TIERS: 0.02% $500 - $2.5k | 0.03% $2.5k - $10k

The Cecilian Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.06%$10k-Easy Money Investment Checking Account
0.06%*$1m*-MAX Index
OTHER TIERS: 0.01% Up to $10k | 0.02% $10k - $25k | 0.03% $25k - $100k | 0.04% $100k - $250k | 0.05% $250k - $1m
0.04%$1k-Choice Gold - Qualifying Tier 5
0.04%$1k-Choice Gold - Qualifying Tier 6
0.04%$1k-Choice 50 Gold - Qualifying Tier 5
0.04%$1k-Choice 50 Gold - Qualifying Tier 6
0.04%*$50k*-Business Partner Investment Checking
OTHER TIERS: 0.02% $1k - $10k | 0.03% $10k - $50k
0.04%*$50k*-Community Partner Investment Checking
OTHER TIERS: 0.02% $1k - $10k | 0.03% $10k - $50k
0.03%$1k-Now Account Checking
0.03%$1k-Choice Gold - Qualifying Tier 3
0.03%$1k-Choice Gold - Qualifying Tier 4
0.03%$1k-Choice 50 Gold - Qualifying Tier 3
0.03%$1k-Choice 50 Gold - Qualifying Tier 4
0.02%$1k-Choice Plus Checking
0.02%$1k-Choice Gold - Qualifying Tier 2
0.02%$1k-Choice 50 Gold - Qualifying Tier 2

The Cecilian Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$1k-60 Month Fixed CD
1.05%$1k-48 Month Fixed CD
0.90%$1k-36 Month Fixed CD
0.85%$1k-30 Month Fixed CD
0.80%$1k-24 Month Fixed CD
0.80%$1k-21 Month Fixed CD
0.80%$1k-27 Month Fixed CD
0.70%$1k-18 Month Fixed CD
0.65%$1k-15 Month Fixed CD
0.50%$1k-12 Month Fixed CD
0.40%$1k-6 Month Fixed CD
0.20%$1k-3 Month Fixed CD

The Cecilian Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$100-60 Month Fixed IRA
1.10%$100-48 Month Fixed IRA
1.00%$100-36 Month Fixed IRA
0.95%$100-30 Month Fixed IRA
0.90%$100-24 Month Fixed IRA
0.80%$100-18 Month Fixed IRA
0.55%$100-12 Month Fixed IRA
0.05%$100-3 Month Fixed IRA
Locations

Availability



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