Cecil Bank
Elkton, MD
IDRSSD: 813572
Total Assets
$218.66M
Latest filing
Total Deposits
$187.56M
Latest filing
Net Interest Margin
3.96%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
255072045ELKTON, MD
Key People
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Locations
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Main Office
Cecil Bank
127 North St
Elkton, MD 21921
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/07/1959FDIC Certificate 43955
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cecil Bank (Main) | 127 North St | Elkton, MD |
| 108 NORTH EAST PLAZA BRANCH | 108 North East Plz | North East, MD |
| RISING SUN TOWNE CENTRE BRANCH | 56 Rising Sun Town Ctr | Rising Sun, MD |
| FAIR HILL BRANCH | 4434 Telegraph Rd | Elkton, MD |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 10/07/1959 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21921 |
| State and County Number | 24015 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | http://www.cecilbank.com |
| Data Updated | 01/30/2026 |
| CERT | 31121 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $218.66M |
| Total Deposits | $187.56M |
| Total Liabilities | $189.20M |
| Total Equity Capital | $29.46M |
| Net Income | $80.00k |
| Net Loans and Leases | $153.48M |
| Assets Per Employee ($Millions) | $7.54M |
| Bank Premises and Fixed Assets | $3.18M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $187.56M |
Key Performance Ratios
| Return on Assets (ROA) | 0.15% |
| Return on Equity (ROE) | 1.09% |
| Net Interest Margin | 3.96% |
| Efficiency Ratio | 94.12% |
| Tier 1 Risk-Based Capital Ratio | 13.731% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.475% |
| Earning Assets to total Assets | 91.6% |
Income and Expense
| Total Interest Income | $2.92M |
| Total Noninterest Income | $316.00k |
| Total Interest Expense | $927.00k |
| Total Noninterest Expense | $2.18M |
| Net Interest Income | $2.00M |
| Pre-tax Net Operating Income | $111.00k |
| Provision for Credit Losses | $25.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.64M |
| Total Liabilities and Capital | $218.66M |
Securities
| Securities | $19.41M |
| Available-for-sale debt securities | $19.41M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cecil Bank?
$218.66M as of the latest filing.
How much are Cecil Bank's total deposits?
$187.56M in total deposits.
Where is Cecil Bank located?
Elkton, MD.
What is the Net Interest Margin?
3.96%.
How many domestic offices does it operate?
4.
When was it established?
10/07/1959.
What is the Return on Assets (ROA)?
0.15%.
How much are total loans and leases?
$153.48M (latest filing).
What is the total interest income (latest filing)?
$2.92M.