BlastPoint's Banking Scorecard

The Cecilian Bank

$1B-$10B Specialty: Commercial KY FDIC cert 8774

Designations: ✓ Community bank

Cecilia, KY

19 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
Deposits +4.2% year over year ($1.3B on the books).
Delinquency rate 0.40%.
Return on assets 1.67%.
Efficiency ratio 48.73% vs a 59.73% peer average.
Loan-to-deposit ratio 79.51% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in KY

View $1B-$10B leaderboard (KY) →

The Cecilian Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 48.2% in tier
+ Efficiency Ratio 11.00% below tier average
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.7% in tier
- Capital Thin: Bottom 23.9% in tier
- Credit Quality Pressure: Bottom 24.8% in tier

Get updates when The Cecilian Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$1.6B +2.2% YoY +1.2% QoQ	-$1.2B	$2.8B -0.6% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	38%
Total Loans ?	$1.1B +2.2% YoY +1.4% QoQ	-$907.9M	$2.0B -0.3% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	34%
Total Deposits ?	$1.3B +4.2% YoY +2.1% QoQ	-$991.5M	$2.3B -0.5% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	38%
Return on Assets ?	1.67% +32.8% YoY +3.9% QoQ	+0.28%	1.39% +17.0% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	3.92% +13.8% YoY +2.4% QoQ	+0.05%	3.87% +6.2% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	48.73% -10.7% YoY -2.6% QoQ	-11.00%	59.73% -12.6% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.40% +22.4% YoY +0.3% QoQ	-0.46%	0.87% +11.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	79.51% -1.9% YoY -0.7% QoQ	-5.53%	85.04% -0.1% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	17.22% -6.9% YoY -7.2% QoQ	-4.05%	21.27% -1.5% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.27% +22.4% YoY +0.5% QoQ	-0.41%	0.67% +11.7% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	10.99% -1.2% YoY -1.6% QoQ	-3.86%	14.84% -0.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.41% +4.7% YoY +110.2% QoQ	-0.12%	0.53% +2.5% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Noninterest-Bearing	17.2% -1.3pp YoY -1.3pp QoQ	-4.1pp	21.4%	23.5%	22.2%	35%
Brokered Deposits	0.2% -0.4pp YoY 0.0pp QoQ	-9.2pp	9.5%	5.4%	8.5%	7%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	5.7% -0.6pp YoY -0.8pp QoQ	-8.3pp	14.0%	8.6%	12.5%	22%
CRE	43.8% -0.6pp YoY +0.2pp QoQ	-6.3pp	50.0%	37.1%	41.4%	32%
1-4 Family	34.7% +1.1pp YoY +0.3pp QoQ	+8.2pp	26.4%	41.6%	31.3%	74%
Consumer	4.5% -0.2pp YoY 0.0pp QoQ	-0.3pp	4.7%	4.8%	5.0%	80%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	20.2%	19.7%	n/a
Leverage Ratio	11.0% -0.1pp YoY -0.2pp QoQ	-0.3pp	11.3%	14.0%	12.6%	60%
Total Capital Ratio	n/a	n/a	16.7%	21.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	246 +3 (+1.2%) YoY +3 (+1.2%) QoQ	-68	313	105	482	54%
Assets per Employee ($)	$6.5M +0.9% YoY -0.1% QoQ	-$4.0M	$10.5M	$6.3M	$8.8M	17%
Branch Count	19 0 YoY 0 QoQ	-1	20	8	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	42%
Nonaccrual	0.4% +0.1pp YoY 0.0pp QoQ	-0.4pp	0.8%	0.8%	1.0%	38%
Allowance Coverage	2.87x -8.7% YoY +1.2% QoQ	-15.84x	18.71x	7.45x	20.23x	62%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	16.1% +3.4pp YoY +0.7pp QoQ	+3.5pp	12.6%	13.3%	11.6%	79%
Cost of Funds (YTD)	1.5% -0.3pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.7%	1.7%	23%
Net Income ($, YTD)	$13.2M +36.6% YoY — QoQ	-$6.1M	$19.2M	$5.1M	$40.4M	53%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#108 of 222 • Top 48.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.67%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk

#20 of 402 • Bottom 4.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Capital Thin

risk

#54 of 222 • Bottom 23.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.99%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#123 of 492 • Bottom 24.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.40%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

178

Efficiency Ratio

profitability

Value: 48.73%

Peer Median: 59.73%

#178 of 885 Top 20.0% in $1B-$10B

200

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.39%

#200 of 885 Top 22.5% in $1B-$10B

Top Weaknesses (1 metrics)

727

Tier 1 Capital Ratio

capital

Value: 10.99%

Peer Median: 14.84%

#727 of 885 Bottom 18.0% in $1B-$10B