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Bank of Cadiz and Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 20239

Cadiz, KY

5 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Bank of Cadiz and Trust Company has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest-Bearing Deposit Share 13.21% below tier average
  • - ROA 0.14% below tier average
  • - Net Interest Margin 0.47% below tier average
  • - Efficiency Ratio 2.18% above tier average
Get updates when Bank of Cadiz and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $142.6M
+1.6% YoY -0.3% QoQ
-$243.5M $386.1M
+0.5% YoY
$702.0M
+4.4% YoY
$6.2B
+9.1% YoY
Bottom 11.9% in tier
Total Loans ? $81.8M
+19.7% YoY +4.0% QoQ
-$173.9M $255.7M
+1.1% YoY
$492.7M
+5.5% YoY
$3.2B
+10.8% YoY
Bottom 11.9% in tier
Total Deposits ? $137.8M
+0.5% YoY +0.1% QoQ
-$190.2M $328.0M
+0.1% YoY
$590.5M
+4.1% YoY
$4.8B
+8.2% YoY
18%
Return on Assets ? 1.13%
+82.8% YoY +54.4% QoQ
-0.14% 1.27%
+12.9% YoY
1.25%
+16.2% YoY
1.23%
+13.4% YoY
46%
Net Interest Margin ? 3.47%
+5.9% YoY +1.2% QoQ
-0.47% 3.93%
+6.0% YoY
3.88%
+7.4% YoY
3.89%
+5.7% YoY
29%
Efficiency Ratio ? 67.47%
-16.3% YoY -13.9% QoQ
+2.18% 65.29%
-4.5% YoY
64.22%
-6.1% YoY
66.95%
-4.1% YoY
38%
Delinquency Rate ? 0.47%
+22.1% QoQ
-0.42% 0.89%
+18.8% YoY
0.89%
+17.0% YoY
0.95%
+18.8% YoY
47%
Loan-to-Deposit Ratio ? 59.39%
+19.1% YoY +3.9% QoQ
-17.25% 76.64%
+0.8% YoY
80.71%
+1.5% YoY
76.70%
+0.9% YoY
82%
Non-Interest-Bearing Deposit Share ? 8.81%
-0.3% YoY -0.3% QoQ
-13.21% 22.02%
-1.0% YoY
23.47%
-1.8% YoY
22.01%
-1.2% YoY
Bottom 8.5% in tier
Nonperforming Asset Ratio ? 0.27%
+27.4% QoQ
-0.37% 0.64%
+19.7% YoY
0.61%
+22.3% YoY
0.67%
+19.3% YoY
53%
Tier 1 Capital Ratio ? 15.43%
-13.0% YoY -5.0% QoQ
-0.40% 15.83%
+1.5% YoY
14.97%
-0.1% YoY
17.06%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.09%
+0.1% YoY -75.8% QoQ
-0.19% 0.28%
+9.3% YoY
0.16%
+4.4% YoY
0.32%
+4.1% YoY
43%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

472
Loan-to-Deposit Ratio
liquidity
Value: 59.39%
Peer Median: 76.64%
#472 of 2664 Top 17.7% in $100M-$1B

Top Weaknesses (4 metrics)

2438
Non-Interest-Bearing Deposit Share
funding
Value: 8.81%
Peer Median: 22.02%
#2438 of 2664 Bottom 8.5% in $100M-$1B
2349
Total Assets
size
Value: $142.56M
Peer Median: $386.08M
#2349 of 2664 Bottom 11.9% in $100M-$1B
2347
Total Loans
size
Value: $81.85M
Peer Median: $255.72M
#2347 of 2664 Bottom 11.9% in $100M-$1B
2192
Total Deposits
size
Value: $137.81M
Peer Median: $327.97M
#2192 of 2664 Bottom 17.8% in $100M-$1B
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