Cecilian Bank (FDIC #8774): Bank Stress & Real-Estate Credit Exposure
Cecilian Bank (FDIC Cert #8774): bank stress 56/100, moderate, STABLE over 7 days; parent PINE KNOB HOLDINGS LLC.
Cecilian Bank (#8774) lends in 7 counties across 1 state; Cecilian Bank (#8774) reaches 76 ZIP codes: Kentucky 7 counties, 76 ZIPs.
Cecilian Bank (#8774) largest markets: Breckinridge County, KY (36 branches, 18 ZIPs) (#8774), Hardin County, KY (153 branches, 17 ZIPs) (#8774), Ohio County, KY (17 branches, 17 ZIPs) (#8774), Barren County, KY (24 branches, 12 ZIPs) (#8774), Meade County, KY (12 branches, 12 ZIPs) (#8774), Hart County, KY (10 branches, 10 ZIPs) (#8774).
Cecilian Bank (#8774) reports $1.59 billion in total assets; Cecilian Bank (#8774) equity $163.7 million (10.3% of Cecilian Bank (#8774) assets); Cecilian Bank (#8774) domestic deposits $1.33 billion; Cecilian Bank (#8774) net income $13.2 million; Cecilian Bank (#8774) return on assets 1.67%; Cecilian Bank (#8774) return on equity 16.14%; Cecilian Bank (#8774) net interest income $28.9 million; Cecilian Bank (#8774) call report June 30, 2026.
Cecilian Bank (#8774) noncurrent real-estate loans: none reported; Cecilian Bank (#8774) residential -0.02%; Cecilian Bank (#8774) net charge-offs on real estate 0.45%; Cecilian Bank (#8774) residential charge-offs 0.45%.
Cecilian Bank (#8774) net interest margin 3.92% against an eight-quarter Cecilian Bank (#8774) average of 3.47% (Cecilian Bank (#8774) compression -0.45 points); Cecilian Bank (#8774) non-residential real estate 45.5% of equity; Cecilian Bank (#8774) rate-exposure score 40/100, Cecilian Bank (#8774) fixed-rate trap 40/100; Cecilian Bank (#8774) risk type credit driven; Cecilian Bank (#8774) rate regime rates elevated, Cecilian Bank (#8774) snapshot October 20, 2026.
Cecilian Bank (#8774) stress score moved from 55.8 on June 22, 2026 to 56.1 on October 20, 2026; Cecilian Bank (#8774) ranged 55.8 to 56.1 over 117 snapshots.
Cecilian Bank (#8774) alerts: 7 counties; top Cecilian Bank (#8774) alert scores: Brandenburg County, KY 20 (low); Hartford County, KY 20 (low); Hiseville County, KY 20 (low); Irvington County, KY 20 (low); Leitchfield County, KY 20 (low).