Bank of Cadiz and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 23.01 percentage points higher than in Q1 2026, at 168.53%. Bank of Cadiz and Trust Company ranks 108th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 62.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Cadiz and Trust Company sits 18.42 points lower, at 62.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.1M |
| Net loans and leases | $85.3M |
| Loans held for sale | $0 |
| Loans to total assets | 60.23% |
| Loan-to-deposit ratio | 62.42% |
| Net loans to equity capital | 21.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.17% |
| Multifamily (5+ residential) | 3.54% |
| Commercial and industrial | 11.77% |
| Consumer | 1.97% |
| Credit cards | 0.00% |
| Farm | 2.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 168.53% |
| Construction concentration (Tier 1 capital + allowance) | 103.57% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.73% |
| Interest income on loans | $1.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $65.4M | $140.4M | 16.47% | 4.06% | 4.56% |
| Q4 2023 | $65.2M | $133.5M | 15.85% | 5.68% | 4.40% |
| Q1 2024 | $66.7M | $136.4M | 16.10% | 5.57% | 3.94% |
| Q2 2024 | $68.7M | $131.5M | 16.07% | 4.73% | 3.97% |
| Q3 2024 | $69.2M | $130.9M | 14.87% | 5.02% | 3.85% |
| Q4 2024 | $68.6M | $130.2M | 13.70% | 5.41% | 4.01% |
| Q1 2025 | $69.2M | $137.1M | 13.70% | 6.45% | 3.31% |
| Q2 2025 | $70.8M | $134.0M | 14.25% | 6.14% | 3.43% |
| Q3 2025 | $75.7M | $137.3M | 15.34% | 9.74% | 2.59% |
| Q4 2025 | $79.5M | $137.7M | 15.00% | 12.90% | 2.23% |
| Q1 2026 | $82.7M | $137.8M | 14.80% | 12.33% | 1.91% |
| Q2 2026 | $86.1M | $137.9M | 14.17% | 11.77% | 1.97% |
Bank of Cadiz and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cadiz and Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Cadiz and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20239) · FFIEC NIC profile (RSSD 904845)