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Bank of Cadiz and Trust Company

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

Cadiz, KY

5 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +2.9% year over year ($137.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.99%.
  • Efficiency ratio 71.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 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 0.91% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest-Bearing Deposit Share 13.09% below tier average
  • - ROA 0.33% below tier average
  • - Net Interest Margin 0.47% below tier average
  • - Efficiency Ratio 7.04% above tier average
Get updates when Bank of Cadiz and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $142.9M
+3.7% YoY +0.3% QoQ
-$243.7M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 12.2% in tier
Total Loans ? $85.3M
+22.0% YoY +4.3% QoQ
-$173.0M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 12.5% in tier
Total Deposits ? $137.9M
+2.9% YoY +0.1% QoQ
-$188.8M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 0.99%
+21.0% YoY -12.2% QoQ
-0.33% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 3.51%
+5.0% YoY +1.3% QoQ
-0.47% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 71.52%
-5.3% YoY +6.0% QoQ
+7.04% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 0.00%
-95.9% YoY -99.3% QoQ
-0.91% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Top 12.8% in tier
Loan-to-Deposit Ratio ? 61.88%
+18.6% YoY +4.2% QoQ
-16.07% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 8.94%
-1.2% YoY +1.5% QoQ
-13.09% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Bottom 8.5% in tier
Nonperforming Asset Ratio ? 0.00%
-95.2% YoY -99.2% QoQ
-0.67% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Top 11.6% in tier
Tier 1 Capital Ratio ? 15.30%
-12.9% YoY -0.8% QoQ
-0.61% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.16%
-16.2% YoY +90.5% QoQ
-0.40% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 8.9%
-0.1pp YoY
+0.1pp QoQ
 -13.2pp 22.1% 23.5% 22.2% 8%
Brokered Deposits 2.5% -5.3pp 7.9% 5.4% 8.5% 34%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 11.9%
+5.7pp YoY
-0.6pp QoQ
 +0.3pp 11.6% 8.6% 12.5% 62%
CRE 35.6%
+1.9pp YoY
+1.6pp QoQ
 -3.9pp 39.5% 37.1% 41.4% 44%
1-4 Family 49.2%
-4.7pp YoY
-0.6pp QoQ
 +16.6pp 32.6% 41.6% 31.3% 81%
Consumer 2.0%
-1.5pp YoY
+0.1pp QoQ
 -2.1pp 4.1% 4.8% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 15.3%
-2.3pp YoY
-0.1pp QoQ
 -3.5pp 18.8% 20.2% 19.7% 52%
Leverage Ratio 9.1%
+0.1pp YoY
+0.2pp QoQ
 -3.1pp 12.2% 14.0% 12.6% 13%
Total Capital Ratio 16.1%
-2.5pp YoY
-0.3pp QoQ
 -3.8pp 19.9% 21.3% 20.8% 49%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 34
+1 (+3.0%) YoY
-1 (-2.9%) QoQ
 -25 58 105 482 33%
Assets per Employee ($) $4.2M
+0.7% YoY
+3.2% QoQ
 -$3.3M $7.5M $6.3M $8.8M 6%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 10%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 247.33x
+1668.8% YoY
+10675.5% QoQ
 +223.18x 24.15x 7.45x 20.23x 98%
Net Charge-off Rate (YTD) 0.4% +0.2pp 0.1% 0.1% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 34.9%
-18.6pp YoY
-4.5pp QoQ
 +22.7pp 12.2% 13.3% 11.6% 99%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 46%
Net Income ($, YTD) $710,000
+26.3% YoY
— QoQ
 -$1.8M $2.6M $5.1M $40.4M 16%

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

308
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#308 of 2643 Top 11.6% in $100M-$1B
339
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#339 of 2633 Top 12.8% in $100M-$1B
514
Loan-to-Deposit Ratio
liquidity
Value: 61.88%
Peer Median: 77.95%
#514 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (4 metrics)

2419
Non-Interest-Bearing Deposit Share
funding
Value: 8.94%
Peer Median: 22.03%
#2419 of 2643 Bottom 8.5% in $100M-$1B
2322
Total Assets
size
Value: $142.91M
Peer Median: $386.57M
#2322 of 2643 Bottom 12.2% in $100M-$1B
2314
Total Loans
size
Value: $85.33M
Peer Median: $258.35M
#2314 of 2643 Bottom 12.5% in $100M-$1B
2178
Total Deposits
size
Value: $137.89M
Peer Median: $326.73M
#2178 of 2643 Bottom 17.6% in $100M-$1B
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