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Cecil Bank

Elkton, MD · Cert 31121

FDIC · 4 branches

Q4 2025

$218.7MAssets
$155.0MLoans
$187.6MDeposits
$29.5MEquity
Loan mix
15%RE $23.3M29%C&I $45.6M55%Consumer $85.8MQ4 2024Q4 2025
Deposit mix
83%Interest-bearing $155.0M17%Noninterest $32.6MQ4 2024Q4 2025

NIM

4.84%Q4 ’235.29%Q4 ’245.28%Q4 ’25-6%+16%

Non-interest income vs. expense

2.56%Q4 ’231.86%Q4 ’243.93%Q4 ’25-31%+108%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2025 SOD (annual) · 0.0% share · #56 of 88 inst. · $0.2B of $648.1B

Executive Summary

  • Earnings: ROA of 0.15%, down 40 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.28% of loans (-79 bps YoY), with net charge-offs at 0.45%.
  • Capital: tier 1 leverage ratio of 10.67%, up 84 bps from a year ago.
  • Funding: loans stand at 82.66% of deposits as of Q4 2025.

Financial Results

Return on Assets (quarter, annualized)

0.15%-40 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+50 bps YoY

Efficiency Ratio (quarter, annualized)

94.12%+4,077 bps YoY

Tier 1 Leverage Ratio

10.67%+84 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.55%0.42%0.42%0.18%0.15%-40 bps
Return on Equity4.39%3.29%3.26%1.36%1.09%-330 bps
Net Interest Margin3.24%3.24%3.40%3.59%3.74%+50 bps
Efficiency Ratio53.35%80.44%83.26%93.29%94.12%+4,077 bps
Non-Interest Burden1.62%2.56%2.72%3.22%3.36%+174 bps
Growth
Asset Growth (YoY)-3.33%-4.28%-2.32%-3.72%-2.17%+116 bps
Loan Growth (YoY)-7.06%-7.97%-6.42%-6.75%-7.99%-93 bps
Deposit Growth (YoY)-1.97%-3.16%0.86%-1.45%-1.92%+5 bps
Asset Quality
Nonperforming Loans / Loans1.07%1.00%0.87%0.92%0.28%-79 bps
Net Charge-Offs / Loans1.26%0.06%0.15%0.02%0.45%-81 bps
Allowance / Loans1.05%1.08%1.06%1.08%1.00%-5 bps
Allowance Coverage of NPLs1.0x1.1x1.2x1.2x3.6x+2.6x
Capital
Tier 1 Leverage Ratio9.82%10.21%10.29%10.64%10.67%+84 bps
Total Risk-Based Capital13.01%13.48%13.84%14.32%14.52%+151 bps
Equity / Assets12.66%12.71%12.99%13.36%13.48%+82 bps
Liquidity & Funding
Loans / Deposits88.11%85.88%84.67%84.11%82.66%-545 bps
Liquid Assets / Assets7.73%10.04%10.11%11.26%12.53%+480 bps
CRE / Total Capitaln/an/an/a59.12%53.04%n/a