Cecil Bank is an FDIC insured institution headquartered at
127 North St, Elkton, MD 21921.
Deposit Rates -
August 21, 2026
SAVINGS RATES
APY
MIN
Savings
0.30% $2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.35% $10,000
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6 Mo CD
0.35% $100,000
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12 Mo CD
0.75% $10,000
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12 Mo CD
0.75% $100,000
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18 Mo CD
0.80% $10,000
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18 Mo CD
0.80% $100,000
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24 Mo CD
0.90% $10,000
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24 Mo CD
0.90% $100,000
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36 Mo CD
0.95% $10,000
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36 Mo CD
0.95% $100,000
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48 Mo CD
1.05% $10,000
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48 Mo CD
1.05% $100,000
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60 Mo CD
1.25% $10,000
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60 Mo CD
1.25% $100,000
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MM RATES
APY
MIN
Money Market
0.50% $2,500
Compare
Money Market
0.50% $10,000
Compare
Money Market
0.50% $25,000
Compare
INT CHECKING RATES
APY
MIN
Int Ckg
0.05% $2,500
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 31121
Date Established
1959
Assets
$ 220.03 million
Loans
$ 153.48 million
Deposits
$ 187.56 million
Capital
$ 29.47 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 29.27 million
Interest-bearing balances
$ 27.41 million
Total securities
$ 19.41 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 153.48 million
Loan loss allowance
$ 1.55 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
N.A.
All other assets
$ 8.67 million
Total Assets $ 189.20 million
LIABILITIES
Total deposits
$ 187.56 million
Interest-bearing deposits
$ 154.97 million
Deposits held in domestic offices
$ 187.56 million
% insured (estimated)" 88.94%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 0.67 million
Subordinated debt
N.A.
All other liabilities
$ 1.11 millionn
Total Liabilities $ 189.20 million
Shareholders’ Equity $ 30.83 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 11.59 million
Total Interest Expense
$ 4.02 million
Net interest income
$ 7.57 million
Provision for loan and lease losses
$ 0.08 million
Total non interest income
$ 0.63 million
Total non interest expense
$ 7.23 million
Pre-tax Net Operating Income
$ 0.57 million
Customer Reviews for Cecil Bank
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