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The Cecilian Bank


Overview / Commentary
www.thececilianbank.com
270-862-3294
104 East Main
Cecilia, KY 42724

The Cecilian Bank is headquartered in Cecilia and is the 12th largest bank in the state of Kentucky. It is also the 747th largest bank in the nation. It was established in 1903 and as of December of 2020, it had grown to 261 employees at 19 locations. The Cecilian Bank has an A health rating.

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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.

1


Health
A

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8774
Year Established1903
Employees261
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD10.72%
Annual Interest Income$42.8MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$1.29B$935.9MM
LoansQ4 2020vs Q4 2019$775.7MM$593.1MM
DepositsQ4 2020vs Q4 2019$1.05B$739.2MM
Equity CapitalQ4 2020vs Q4 2019$124.5MM$97.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$9.8MM$9.6MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$3.0MM$2.7MM
Real Estate OwnedQ4 2020vs Q4 2019$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
0.07%*$10k*-Health Savings Account
OTHER TIERS: 0.05% → Up to $2.5k | 0.06% → $2.5k - $10k
0.05%$50-Savings Account

The Cecilian Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%$10k-Business Partner Money Market Account
0.06%*$100k*-TGIF Money Market
OTHER TIERS: 0.05% → $1k - $100k
0.05%$500-Money Market Fund Account

The Cecilian Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$1m*-MAX Index
OTHER TIERS: 0.01% → Up to $10k | 0.02% → $10k - $25k | 0.03% → $25k - $100k | 0.04% → $100k - $250k | 0.06% → $250k - $1m
0.08%$10k-Easy Money Investment Checking Account
0.05%$1k-Now Account Checking
0.05%$1k-Choice Gold - Qualifying Tier 5
0.05%$1k-Choice Gold - Qualifying Tier 6
0.05%$1k-Choice 50 Gold - Qualifying Tier 5
0.05%$1k-Choice 50 Gold - Qualifying Tier 6
0.05%*$50k*-Business Partner Investment Checking
OTHER TIERS: 0.03% → $1k - $10k | 0.04% → $10k - $50k
0.05%*$50k*-Community Partner Investment Checking
OTHER TIERS: 0.03% → $1k - $10k | 0.04% → $10k - $50k
0.04%$1k-Choice Gold - Qualifying Tier 3
0.04%$1k-Choice Gold - Qualifying Tier 4
0.04%$1k-Choice 50 Gold - Qualifying Tier 3
0.04%$1k-Choice 50 Gold - Qualifying Tier 4
0.03%$1k-Choice Plus Checking
0.03%$1k-Choice Gold - Qualifying Tier 2
0.03%$1k-Choice 50 Gold - Qualifying Tier 2

The Cecilian Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$1k-60 Month Fixed CD
1.10%$1k-48 Month Fixed CD
1.00%$1k-36 Month Fixed CD
0.90%$1k-30 Month Fixed CD
0.90%$1k-27 Month Fixed CD
0.85%$1k-24 Month Fixed CD
0.80%$1k-21 Month Fixed CD
0.75%$1k-18 Month Fixed CD
0.65%$1k-15 Month Fixed CD
0.55%$1k-12 Month Fixed CD
0.45%$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
1.15%$100-48 Month Fixed IRA
1.05%$100-30 Month Fixed IRA
1.05%$100-36 Month Fixed IRA
1.00%$100-24 Month Fixed IRA
0.85%$100-18 Month Fixed IRA
0.55%$100-12 Month Fixed IRA
0.05%$100-3 Month Fixed IRA
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