C
Cecil Bank
ElktonMD
Rating Date
October 2025
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Major Rating Factors: A current level of 7.4 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Fair asset quality (3.2). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (2.8) profitability.
Other Rating Factors: Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix: Consumer loans (37%), comm loans (24%), cash (11%), securities (10%), comm re (6%), home mtgs (4%), home eq lns (1%), other (7%)
States with Branches: MD
Asset Quality
Non-Performing Loans to Capital
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Hot Money
Corporate Info
Group Affiliation
Cecil Bancorp, Inc.
Investment Rating
--
Address
127 North Street
Elkton, MD 21921
Phone Number
(410) 398-1650
Year Founded
1959
FDIC Number
Largest Affiliates
No affiliate information available.