Bank of Cadiz and Trust Company
BankRegReports is independent of Bank of Cadiz and Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of Cadiz and Trust Company is an FDIC-insured commercial bank headquartered in Cadiz, KY, supervised by the Federal Reserve, with $142.9M in total assets at Q2 2026, up 3.7% from Q2 2025, the 98th largest of 120 banks headquartered in Kentucky. It was established in 1970 and holds FDIC certificate 20239. Its CET1 capital ratio was 15.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 20239
- Headquarters
- Cadiz, KY
- Established
- 1970
- Total assets, Q2 2026
- $142.9M
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 15.30%
- Domestic offices
- 5 · Bank of Cadiz and Trust Company branches FDIC institution directory, current count
- Routing number
- 083901207
- Safety and soundness
- Is Bank of Cadiz and Trust Company safe?
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Cadiz and Trust Company Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- CADIZ BANCORP, INC.
- Asset rank in state
- 98th of 120 in Kentucky
Bank of Cadiz and Trust Company is one of the more profitable banks of its size. The Cadiz, Kentucky bank had $143 million in assets at June 30, 2026, up 3.7% from a year earlier. It returns 31.3% a year on shareholders' equity, 2.5 times the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. It also grew its loan book 21.6% over the year, 3.9 times the median of 5.5% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.9 million equal 71% of Tier 1 capital, down from 79% a year earlier. Loans are outrunning deposits: over the year loans rose 21.6% and deposits rose 2.9%. Where it has less room is capital: it funds 9.07% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Bank of Cadiz and Trust Company reported a CET1 capital ratio of 15.30%, a return on assets of 0.80%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Bank of Cadiz and Trust Company is the 98th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $142.9M, loans rose 4.0% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 48.8% of total loans, ahead of construction and land development loans at 17.6%. The FDIC Summary of Deposits lists 5 offices for it, in Cadiz, KY, Hopkinsville, KY and Murray, KY; its Cadiz 3 offices book 81% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Cadiz and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 79 Main St, Cadiz, KY 42211
- County
- Trigg
- Metro Area
- Clarksville, TN-KY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 7, 1970
- Former names
- Bank of Cadiz (1978-1982)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $137.9M
- Allowance for credit losses
- $742K
- Net charge-offs (YTD)
- $159K
- Average total assets
- $152.9M
- Average total loans
- $84.1M
- Average interest-bearing deposits
- $125.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 7, 1970
- FDIC Cert
- 20239
- Fed RSSD
- 904845
- SEC CIK
- 1556400 → filed by CADIZ BANCORP, INC.
- Website
- www.bankofcadiz.com →
- Parent Holding Company
- CADIZ BANCORP, INC. (RSSD 1249619)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of Cadiz and Trust Company's total assets moved between a low of $132.2M (Q4 2024) and a high of $143.0M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$142.9M total assets against $137.8M; $138.9M total liabilities against $135.0M.
$85.3M net loans and leases against $69.9M; $137.9M total deposits against $134.0M.
$48.0M securities against $52.0M; $4.6M cash and balances due against $10.6M.
$1.8M total interest income against $1.7M; $552K total interest expense against $567K.
$1.2M net interest income against $1.1M.
$111K total noninterest income against $148K; $989K total noninterest expense against $884K.
$15K provision for credit losses against $15K.
$306K net income against $351K.
0.80% return on assets against 0.94%; 3.31% net interest margin against 3.10%.
15.30% CET1 capital ratio against 17.56%; 9.07% tier 1 leverage ratio against 8.97%.
Inside the full Bank of Cadiz and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Cadiz and Trust Company rankings
Its closest position to the top of a national ranking is 824 of 2,134, for CET1 ratio; its furthest is 3,272 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.51% (Q4 2025) to 1.21% (Q4 2024) and its net interest margin ran from 3.01% (Q1 2025) to 3.42% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.30% | 0.80% | 0.00% | 0.06% | 3.31% |
| Q1 2026 | 15.43% | 1.05% | 0.47% | 8.21% | 3.21% |
| Q4 2025 | 16.23% | 0.51% | 0.38% | 5.78% | 3.19% |
| Q3 2025 | 16.93% | 0.70% | 0.48% | 7.56% | 3.28% |
| Q2 2025 | 17.56% | 0.94% | 0.08% | 1.65% | 3.10% |
| Q1 2025 | 17.74% | 0.57% | 0.00% | 0.00% | 3.01% |
| Q4 2024 | 17.92% | 1.21% | 0.00% | 0.00% | 3.42% |
| Q3 2024 | 17.40% | 0.53% | 0.33% | 6.07% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Cadiz and Trust Company (main office) | Cadiz , KY | 42211 | $82.0M |
| Lakota Branch | Cadiz , KY | 42211 | $29.7M |
| Hopkinsville Branch | Hopkinsville , KY | 42240 | $19.6M |
| Murray Branch | Murray , KY | 42071 | $6.6M |
| Cadiz Branch | Cadiz , KY | 42211 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 112 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 16 applications, 14 loans originated, $2.6M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $373K approved, $187K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of Cadiz and Trust Company’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of Cadiz and Trust Company
What are Bank of Cadiz and Trust Company's total assets?
As of the Q2 2026 filing, Bank of Cadiz and Trust Company reported total assets of $142.9 million in its FFIEC call report.
Where is Bank of Cadiz and Trust Company headquartered?
It is headquartered in Cadiz, KY, United States.
When was Bank of Cadiz and Trust Company founded?
It was established in 1970, per the FDIC institution directory.
Is Bank of Cadiz and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20239). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Cadiz and Trust Company?
Bank of Cadiz and Trust Company's primary federal regulator is the Federal Reserve.
What is Bank of Cadiz and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Cadiz and Trust Company operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Cadiz and Trust Company's Texas Ratio?
Its Texas Ratio is 0.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bank of Cadiz and Trust Company previously called?
The charter now named Bank of Cadiz and Trust Company has also operated as Bank of Cadiz (1978-1982), per FDIC structure-change records.
Go deeper on Bank of Cadiz and Trust Company.
Get an email when Bank of Cadiz and Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Cadiz and Trust Company, freeFree account