Advertisement
Bank Of Cadiz And Trust Company
Cadiz, KY · FDIC Certificate #20239 · Chartered 08/0
Total assets
$142.91M
Total deposits
$137.89M
Total equity
$4.01M
Net loans
$85.33M
Branches (offices)
5
Net income (YTD)
$710.00K
Rank: #3,356 of 4,213 U.S. banks by assets · #98 of 120 in Kentucky. Assets changed 3.7% and deposits 2.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 34.87% |
| Net interest margin (YTD) | 3.51% |
| Equity to assets | 2.81% |
| Tier 1 leverage ratio | 9.07% |
| Uninsured deposits (share of deposits) | 9.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.38% |
| Loans to deposits | 61.9% |
| Real estate loans (share of loans) | 87.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $74.21M | 87.0% | |
| Commercial & industrial | $10.13M | 11.9% | |
| Consumer / individual | $1.70M | 2.0% | |
| Construction & development | $15.13M | 17.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $140.08M | $136.58M | $397.00K | $2.74M |
| Jun 2023 | $135.95M | $135.02M | $566.00K | $76.00K |
| Jun 2024 | $133.00M | $131.55M | $432.00K | $504.00K |
| Jun 2025 | $137.79M | $134.03M | $562.00K | $2.81M |
| Jun 2026 | $142.91M | $137.89M | $710.00K | $4.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $137.89M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $137.89M.
Similar-sized banks
Farmers And Merchants State Bank ($143.12M) · Bank Of Winona ($142.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement