Bank of Cadiz and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.31%. Within Kentucky, Bank of Cadiz and Trust Company is 101st of 119 on net interest margin, 3.31% as of Q2 2026, below the middle of the field. Bank of Cadiz and Trust Company reported 3.31% on net interest margin for Q2 2026, 0.64 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 6.73% |
| Yield on securities | 2.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | 2.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $552K |
| Interest expense on deposits | $551K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.06% | 1.23% | 2.87% | 6.12% | 2.05% |
| Q4 2023 | 4.22% | 1.42% | 2.84% | 6.46% | 2.04% |
| Q1 2024 | 4.43% | 1.60% | 2.88% | 6.72% | 2.14% |
| Q2 2024 | 4.61% | 1.72% | 2.96% | 6.96% | 2.14% |
| Q3 2024 | 4.70% | 1.75% | 3.03% | 7.18% | 2.10% |
| Q4 2024 | 5.06% | 1.72% | 3.42% | 7.86% | 2.09% |
| Q1 2025 | 4.62% | 1.68% | 3.01% | 6.98% | 2.11% |
| Q2 2025 | 4.69% | 1.67% | 3.10% | 7.11% | 2.10% |
| Q3 2025 | 4.86% | 1.66% | 3.28% | 7.25% | 2.09% |
| Q4 2025 | 4.81% | 1.70% | 3.19% | 6.97% | 2.08% |
| Q1 2026 | 4.74% | 1.61% | 3.21% | 6.74% | 2.12% |
| Q2 2026 | 4.84% | 1.61% | 3.31% | 6.73% | 2.10% |
Bank of Cadiz and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cadiz and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)