CECILIA, KENTUCKY · FDIC certificate 8774 · Report date 2026-06-30 (2026Q2)
| Total assets | $1.59B |
|---|---|
| Composite risk score (0-100, higher = riskier) | 55.5 |
| Loan-to-deposit ratio | 79.51% |
| Net interest margin (FDIC) | 3.92% |
| Return on assets (FDIC) | 1.67% |
| Noncurrent loans / gross loans | 0.40% |
| Tier 1 leverage ratio (FDIC) | 10.99% |
| Total risk-based capital ratio (FDIC) | n/a (CBLR bank) |
Uninsured deposit share CRE concentration (% of total risk-based capital) Construction loan concentration Unrealized securities losses / tangible equity HTM-adjusted tangible equity ratio Risk-score component percentiles 5-quarter history + raw FDIC inputs
Machine-readable JSON with every formula input: GET https://bank-risk-api.culturehub-kash.workers.dev/v1/banks/8774 — $0.01 per call in USDC on Base via x402, no account or API key. Try it free (5/day): /v1/free/banks/8774. MCP: https://bank-risk-api.culturehub-kash.workers.dev/mcp.
Source: FDIC BankFind API query for this bank and quarter. Methodology v1.0.0 (formulas). Retrieved 2026-11-13T22:56:13Z.
Data: FDIC BankFind Suite (public Call Report data). Derived metrics are informational only and are not investment, credit or legal advice. Open methodology v1.0.0. Terms & refunds · llms.txt · OpenAPI · x402