Bank of Cadiz and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Cadiz and Trust Company of Cadiz, KY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.80% | 1.34% | -0.54% | 23rd bottom |
| ROAE | 31.28% | 13.32% | +17.96% | 98th top |
| Net Interest Margin | 3.31% | 3.93% | -0.62% | 20th bottom |
| Efficiency Ratio | 75.31% | 61.13% | +14.18% | 19th bottom |
| PPNR / Avg Assets | 0.84% | 1.68% | -0.84% | 16th bottom |
| Yield on Earning Assets | 4.84% | 5.67% | -0.83% | 17th bottom |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 63rd above |
| Net Interest Spread | 3.08% | 3.32% | -0.24% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.76% | 0.16% | +0.60% | 4th bottom |
| ACL / Total Loans | 0.86% | 1.28% | -0.42% | 14th bottom |
| Texas Ratio | 0.06% | 7.34% | -7.28% | 88th top |
| Provision / NCO | 18.87% | 1395.16% | -1376.29% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 19.49% | -4.19% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 19.52% | -4.22% | 52nd above |
| Total Capital Ratio | 16.12% | 20.61% | -4.49% | 49th below |
| Leverage Ratio | 9.07% | 12.14% | -3.07% | 14th bottom |
| Equity / Assets | 2.81% | 11.37% | -8.56% | 1st bottom |
| TCE / Tangible Assets | 2.81% | 11.08% | -8.27% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.42% | 80.66% | -18.24% | 80th top |
| Core Deposit Ratio | 91.51% | 86.85% | +4.66% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.72% | 6.84% | -3.12% | 45th below |
| Loan Growth (Y/Y) | 21.64% | 7.92% | +13.72% | 93rd top |
| Deposit Growth (Y/Y) | 2.89% | 6.29% | -3.40% | 42nd below |
See Bank of Cadiz and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Cadiz and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Cadiz and Trust Company profile, how to read a UBPR, or how this data updates.