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Cecil Bank

Full company profile

uuid000prwt

Namestring
Cecil Bank
Websiteurl
cecilbank.com
Company typeenum
Private
Founded yearint
1959
Descriptiontext

Cecil Bank is a privately held community bank founded in 1959 and headquartered in Elkton, Maryland (United States). The firm operates with 51-100 employees and provides retail and small-business deposit products, including interest-bearing checking accounts, electronic statements (eStatements), and telephone banking services. These offerings are indicative of a traditional, relationship-driven community bank rather than a digitally native or product-led institution. The bank's service model centers on local deposit gathering and standard transactional banking rather than lending origination, treasury, or wealth services, based on the product set disclosed.

The business model follows the conventional community-bank playbook: net interest income derived from the spread between deposit pricing and the yield on assets held on the balance sheet, supplemented by fee income from deposit accounts and payment services. Customer acquisition is local and reputational, with no evidence of digital marketing, partnership channels, or non-geographic distribution in the source data. Telephone banking — alongside eStatements — suggests the firm maintains both legacy and basic electronic channels but has not deployed mobile-first or API-driven banking infrastructure. No pricing, customer-segment, fee-schedule, or product-economics data was accessible in the source material because the bank's website returned only a verification screen rather than rendered content.

The information set available is materially thin. Beyond firmographic identifiers (name, founding year, headquarters, headcount band, and a four-product short description), the input sources record uniformly empty fields across ownership, leadership, funding, partnerships, regulatory actions, technology stack, geographic markets served, and corporate history. This data scarcity limits any inference about franchise quality, asset size, NIM trajectory, or strategic direction. The description above is therefore restricted to what the firm's own stated service set and standard community-banking economics support.

Short descriptiontext

Cecil Bank is a privately held community bank founded in 1959 in Elkton, Maryland, providing interest checking accounts, deposit products, eStatements, and telephone banking services to local retail and small-business customers.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
51–100
akta.pro rankint
HeadquartersElkton, United States
HQ citystring
Elkton
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Keyword5 values
retail banking services, deposit products, interest checking accounts, community banking, telephone banking
Industry1 code
1FSABAAAA
CodeFSABAAAAPrimaryYes
NAICS code1 code
  • 52211
SIC code1 code
  • 6022
Product category
Community Banking
Social media profiles1 record
Cost components5 values
Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
GTM typeB2C
B2C
Offering typeServices
Services
Core offering1 text field

Cecil Bank is a community bank that provides retail deposit products, interest-bearing checking accounts, electronic statements (eStatements), and telephone banking services. Operating since 1959 from Elkton, Maryland, the bank serves individual consumers with traditional personal banking accounts and access via phone and electronic channels.

Differentiator
Functional benefit
Problem solved
Product and service4 records
1Deposit Products
CategoryRetail Banking
Description

Standard deposit accounts offered by Cecil Bank to individual retail customers for storing funds.

2Interest Checking Accounts
CategoryRetail Banking
Description

Checking accounts that pay interest on deposited balances, available to individual retail banking customers.

3eStatements
CategoryDigital Banking Services
Description

Electronic delivery of bank account statements, allowing customers to view statements digitally rather than receiving paper mailings.

4Telephone Banking Services
CategoryBanking Services
Description

Phone-based banking service allowing customers to perform account inquiries and banking transactions by telephone.

No data
Peers10 records
TypeBroad incumbent
Description

M&T Bank is a large regional bank with significant Maryland and Mid-Atlantic branch presence, including the Cecil County market. It is a broad incumbent peer competing directly for the same retail deposit and small business customers Cecil Bank serves.

TypeDirect peer
Description

Woodsboro Bank is a Maryland community bank serving Frederick County with deposit and lending products. Comparable to Cecil Bank as a small Maryland community bank with a single-county focus and traditional retail banking product mix.

TypeBroad incumbent
Description

First United Bank & Trust is a larger Maryland-based community bank with a broader branch network across western Maryland and the Baltimore region. It is a broad incumbent peer operating in adjacent Maryland markets with overlapping community banking products at greater scale.

TypeDirect peer
Description

Howard Bank is a Maryland-based community bank serving the Baltimore–Washington corridor with deposit, lending, and treasury products. It is a direct peer given its Maryland charter, community banking model, and overlapping retail and small-business customer base.

TypeBroad incumbent
Description

Atlantic Capital Bank, now part of First Citizens Bank, is a regional commercial bank with presence across the Southeast and Mid-Atlantic. It is a broad incumbent peer offering overlapping community and commercial banking products in markets adjacent to Cecil Bank's footprint.

TypeRegional player
Description

Liberty Federal Credit Union is a Maryland-based credit union serving Cecil County and surrounding areas with deposit and consumer lending products. It is a regional peer competing in Cecil Bank's local market under a different charter structure (credit union vs. bank).

TypeDirect peer
Description

County First Bank is a Maryland-chartered community bank providing deposit and lending products to retail and small business customers in southern Maryland. It is comparable to Cecil Bank in charter type, size, and core community banking product offering.

TypeDirect peer
Description

Middletown Valley Bank is a Maryland community bank serving Frederick County with deposit and lending services. Comparable to Cecil Bank in size band, Maryland community charter, and traditional retail banking focus.

TypeDirect peer
Description

Peoples Bank is a Maryland community bank serving the Eastern Shore and northern Maryland corridor with deposit and lending products. It is a direct peer given its similar community bank profile, overlapping Maryland footprint adjacent to Cecil County, and comparable retail banking orientation.

TypeDirect peer
Description

Harford Bank is a Maryland-based community bank offering deposit, lending, and treasury services to retail and small business customers in the greater northeastern Maryland region. It is a directly comparable community banking peer given its geographic proximity to Cecil County, similar size band, and overlapping product set.

Market position
Strengths3 records

Each record includes

Headline, Details, Source

Weaknesses3 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks4 records

Each record includes

Headline, Details, Source

Key highlights4 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Cecil Bank

Community Bankingcecilbank.com

Cecil Bank is a privately held community bank founded in 1959 in Elkton, Maryland, providing interest checking accounts, deposit products, eStatements, and telephone banking services to local retail and small-business customers.

What Cecil Bank does

Cecil Bank is a privately held community bank founded in 1959 and headquartered in Elkton, Maryland (United States). The firm operates with 51-100 employees and provides retail and small-business deposit products, including interest-bearing checking accounts, electronic statements (eStatements), and telephone banking services. These offerings are indicative of a traditional, relationship-driven community bank rather than a digitally native or product-led institution. The bank's service model centers on local deposit gathering and standard transactional banking rather than lending origination, treasury, or wealth services, based on the product set disclosed.

The business model follows the conventional community-bank playbook: net interest income derived from the spread between deposit pricing and the yield on assets held on the balance sheet, supplemented by fee income from deposit accounts and payment services. Customer acquisition is local and reputational, with no evidence of digital marketing, partnership channels, or non-geographic distribution in the source data. Telephone banking — alongside eStatements — suggests the firm maintains both legacy and basic electronic channels but has not deployed mobile-first or API-driven banking infrastructure. No pricing, customer-segment, fee-schedule, or product-economics data was accessible in the source material because the bank's website returned only a verification screen rather than rendered content.

The information set available is materially thin. Beyond firmographic identifiers (name, founding year, headquarters, headcount band, and a four-product short description), the input sources record uniformly empty fields across ownership, leadership, funding, partnerships, regulatory actions, technology stack, geographic markets served, and corporate history. This data scarcity limits any inference about franchise quality, asset size, NIM trajectory, or strategic direction. The description above is therefore restricted to what the firm's own stated service set and standard community-banking economics support.

Cecil Bank firmographics

Firmographics
Name
Cecil Bank
Website
https://cecilbank.com
Company type
Private
Founded year
1959
Operating status
Operating
Headcount range
51–100 employees
Short description
Cecil Bank is a privately held community bank founded in 1959 in Elkton, Maryland, providing interest checking accounts, deposit products, eStatements, and telephone banking services to local retail and small-business customers.
Ownership category
akta.pro rank

Where Cecil Bank is headquartered

Location

Headquarters

HQ city
Elkton
HQ country
United States
HQ region
North America

Markets served

Cecil Bank business model

Business model
GTM type
B2C
Offering type
Services
Cost components
Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Cecil Bank product offering

Product offering

Core offering

Cecil Bank is a community bank that provides retail deposit products, interest-bearing checking accounts, electronic statements (eStatements), and telephone banking services. Operating since 1959 from Elkton, Maryland, the bank serves individual consumers with traditional personal banking accounts and access via phone and electronic channels.

Differentiator

Problem solved

Functional benefit

Products and services

  • Deposit Products Standard deposit accounts offered by Cecil Bank to individual retail customers for storing funds.
  • Interest Checking Accounts Checking accounts that pay interest on deposited balances, available to individual retail banking customers.
  • eStatements Electronic delivery of bank account statements, allowing customers to view statements digitally rather than receiving paper mailings.
  • Telephone Banking Services Phone-based banking service allowing customers to perform account inquiries and banking transactions by telephone.

Companies that use Cecil Bank

Customer profile

Ideal customer profiles1 record

Cecil Bank technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Cecil Bank competitors and assessment

Company assessment

Broad incumbents

  • M&T Bank: M&T Bank is a large regional bank with significant Maryland and Mid-Atlantic branch presence, including the Cecil County market. It is a broad incumbent peer competing directly for the same retail deposit and small business customers Cecil Bank serves.
  • First United Bank & Trust: First United Bank & Trust is a larger Maryland-based community bank with a broader branch network across western Maryland and the Baltimore region. It is a broad incumbent peer operating in adjacent Maryland markets with overlapping community banking products at greater scale.
  • Atlantic Capital Bank (First Citizens): Atlantic Capital Bank, now part of First Citizens Bank, is a regional commercial bank with presence across the Southeast and Mid-Atlantic. It is a broad incumbent peer offering overlapping community and commercial banking products in markets adjacent to Cecil Bank's footprint.

Direct peers

  • Woodsboro Bank: Woodsboro Bank is a Maryland community bank serving Frederick County with deposit and lending products. Comparable to Cecil Bank as a small Maryland community bank with a single-county focus and traditional retail banking product mix.
  • Howard Bank: Howard Bank is a Maryland-based community bank serving the Baltimore–Washington corridor with deposit, lending, and treasury products. It is a direct peer given its Maryland charter, community banking model, and overlapping retail and small-business customer base.
  • County First Bank: County First Bank is a Maryland-chartered community bank providing deposit and lending products to retail and small business customers in southern Maryland. It is comparable to Cecil Bank in charter type, size, and core community banking product offering.
  • Middletown Valley Bank: Middletown Valley Bank is a Maryland community bank serving Frederick County with deposit and lending services. Comparable to Cecil Bank in size band, Maryland community charter, and traditional retail banking focus.
  • Peoples Bank (Chestertown, MD): Peoples Bank is a Maryland community bank serving the Eastern Shore and northern Maryland corridor with deposit and lending products. It is a direct peer given its similar community bank profile, overlapping Maryland footprint adjacent to Cecil County, and comparable retail banking orientation.
  • Harford Bank: Harford Bank is a Maryland-based community bank offering deposit, lending, and treasury services to retail and small business customers in the greater northeastern Maryland region. It is a directly comparable community banking peer given its geographic proximity to Cecil County, similar size band, and overlapping product set.

Regional players

  • Liberty Federal Credit Union: Liberty Federal Credit Union is a Maryland-based credit union serving Cecil County and surrounding areas with deposit and consumer lending products. It is a regional peer competing in Cecil Bank's local market under a different charter structure (credit union vs. bank).

Market position

Strengths3 records

Weaknesses3 records

Competitive moat3 records

Key risks4 records

Key highlights4 records

Customer concentration

Cecil Bank social profiles

Digital presence

Cecil Bank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Cecil Bank leadership team

Management profile

Number of profiles

Cecil Bank funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Cecil Bank M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cecil Bank

What does Cecil Bank do?

Cecil Bank is a community bank that provides retail deposit products, interest-bearing checking accounts, electronic statements (eStatements), and telephone banking services. Operating since 1959 from Elkton, Maryland, the bank serves individual consumers with traditional personal banking accounts and access via phone and electronic channels.

When was Cecil Bank founded?

Cecil Bank was founded in 1959. It employs 51 to 100 people.

Where is Cecil Bank based?

Cecil Bank is headquartered in Elkton, United States, in the North America region.

Who are Cecil Bank's main competitors?

Broad incumbents on record are M&T Bank, First United Bank & Trust and Atlantic Capital Bank (First Citizens). Direct peers are Woodsboro Bank, Howard Bank, County First Bank, Middletown Valley Bank, Peoples Bank (Chestertown, MD) and Harford Bank. Liberty Federal Credit Union is listed as a regional player.

Does Cecil Bank have an API?

No public API is recorded for Cecil Bank.

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