BANK OF CADIZ AND TRUST COMPANY

CADIZ, KY | Small | Est. Aug. 7, 1970, midnight | FDIC #20239 | RSSD #904845 | FED
Latest Report: 2025-12-31

BANK OF CADIZ AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in CADIZ, KY, established in Aug. 7, 1970, midnight. As of 2025-12-31, the bank reported total assets of $143M and total deposits of $138M. Profitability stands at 0.55% ROA and 18.78% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 16.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 5.78%. FDIC Certificate #20239.

Assets

$143M

Deposits

$138M

Loans

$80M

Equity

$4M

Profitability

Return on Assets (ROA) 0.55%
Return on Equity (ROE) 18.78%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.33%
Cost of Funds 1.72%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.00%
Texas Ratio 5.78%
NPA Ratio 0.21%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 16.23%
Tier 1 Capital 16.23%
Total Capital Ratio 17.26%
Leverage Ratio 9.03%
Loan-to-Deposit 57.78%

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