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Cecil Bank

Elkton, MD · Cert 31121 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31-35)

FDIC · 4 branches

Q4 2025

$218.7MAssets
$155.0MLoans
$187.6MDeposits
$29.5MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 26 of 35).
  • Widest gap: return on equity trails 83% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 29 of 35).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.30%

Rank 28 of 35

Net Interest Margin

3.54%

Rank 8 of 35

Efficiency Ratio

88.17%

Rank 27 of 35

Equity / Assets

13.48%

Rank 16 of 35

Non-interest income vs. expense

$0.6M$7.2MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 26% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 88.17%Peer median 71.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.30%0.30%0.84%1.48%Beats 20%28 / 35
Return on Equity2.20%2.99%5.01%11.91%Beats 17%29 / 35
Net Interest Margin3.54%2.81%3.16%3.48%Beats 77%8 / 35
Efficiency Ratio88.17%56.98%71.38%88.17%Beats 26%27 / 35
Asset Quality
Nonperforming Loans / Loans0.28%0.00%0.19%0.90%Beats 32%22 / 31
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.73%12.92%18.93%34.69%Beats 31%24 / 35
Total Risk-Based Capital Ratio14.52%13.83%20.18%35.18%Beats 29%25 / 35
Equity / Assets13.48%9.35%11.63%18.66%Beats 54%16 / 35
Liquidity & Funding
Loans / Deposits82.66%69.97%86.01%99.72%45th pctl17 / 31
Loans / Assets70.90%61.12%72.08%80.57%45th pctl17 / 31
Brokered Deposits / Deposits0.00%n/an/a1.37%Beats 100%26 / 35