Cecil Bank

127 North St
Elkton, MD 21921


General Bank Information

FDIC Insured Yes
FDIC Certificate # 31121
Date Established 1959
Assets $0.21 billion
Loans $0.09 billion
Deposits $0.15 billion
Capital $0.00 billion

Cecil Bank is an FDIC insured institution located in Elkton, MD. It was founded in 1959 and has approximately $0.21 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of Cecil Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Cecil Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Cecil Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 48.96
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 17.71
Construction and Development Loans 3.64
Commercial Real Estate 42.71
Commercial and Industrial Loans 1.19
Farm Loans 0.80

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.07% $500 - Learn MoreShow Less
6 Mo CD 10K
0.14% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.34% $100 - Learn MoreShow Less
MM 10K
0.13% $2,501 $100,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.03% $50 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Line of Credit 4.08% 4.00% Varies Learn MoreShow Less
10 Year Loan 6.19% 5.50% $542.63 Learn MoreShow Less
15 Year Loan 6.27% 5.75% $415.21 Learn MoreShow Less

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Cecil Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Cecil Bank Locations

Financial Details

Cecil Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cecil Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cecil Bank U.S. Bank Average
815.22% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Cecil Bank had $9,066,000 in non-current loans and $30,790,000 in owned real estate. To cover these potential losses it had $3,916,000 in equity and $973,000 in loans loss reserves. That gives it a Texas Ratio of 815.22%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Cecil Bank U.S. Bank Average
-54.47% 8.39%

Cecil Bank has a Return on Equity of -54.47% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Cecil Bank U.S. Bank Average
1.88% 11.94%

Cecil Bank has a Capitalization of 1.88% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cecil Bank Balance Sheet Analysis

As of June 30, 2017, Cecil Bank had assets of $207,893,000, loans of $88,711,000, and deposits of $149,670,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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