Bank of Cadiz and Trust Company
Cadiz, KY
IDRSSD: 904845
Total Assets
$142.25M
Latest filing
Total Deposits
$137.27M
Latest filing
Net Interest Margin
3.56%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Cadiz and Trust Company
79 Main St
Cadiz, KY 42211
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/07/1970FDIC Certificate 13920
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Cadiz and Trust Company (Main) | 79 Main St | Cadiz, KY |
| CADIZ BRANCH | 79 Main St | Cadiz, KY |
| LAKOTA BRANCH | 106 Lakota Drive | Cadiz, KY |
| HOPKINSVILLE BRANCH | 2808 Fort Campbell Blvd | Hopkinsville, KY |
| MURRAY BRANCH | 630 N 12th St | Murray, KY |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 08/07/1970 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42211 |
| State and County Number | 21221 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Clarksville, TN-KY |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/07/1970 |
| Primary Insurance Agency | DIF |
| Website | www.bankofcadiz.com |
| Data Updated | 11/14/2025 |
| CERT | 20239 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $142.25M |
| Total Deposits | $137.27M |
| Total Liabilities | $138.30M |
| Total Equity Capital | $3.96M |
| Net Income | $262.00k |
| Net Loans and Leases | $74.82M |
| Assets Per Employee ($Millions) | $4.31M |
| Bank Premises and Fixed Assets | $2.91M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $137.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.75% |
| Return on Equity (ROE) | 30.98% |
| Net Interest Margin | 3.56% |
| Efficiency Ratio | 78.64% |
| Tier 1 Risk-Based Capital Ratio | 16.925% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 2.782% |
| Earning Assets to total Assets | 94.17% |
Income and Expense
| Total Interest Income | $1.74M |
| Total Noninterest Income | $125.00k |
| Total Interest Expense | $564.00k |
| Total Noninterest Expense | $1.02M |
| Net Interest Income | $1.17M |
| Pre-tax Net Operating Income | $262.00k |
| Provision for Credit Losses | $15.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.67M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.03M |
| Total Liabilities and Capital | $142.25M |
Securities
| Securities | $51.71M |
| Available-for-sale debt securities | $51.71M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Cadiz and Trust Company?
$142.25M as of the latest filing.
How much are Bank of Cadiz and Trust Company's total deposits?
$137.27M in total deposits.
Where is Bank of Cadiz and Trust Company located?
Cadiz, KY.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
5.
When was it established?
08/07/1970.
What is the Return on Assets (ROA)?
0.75%.
How much are total loans and leases?
$74.82M (latest filing).
What is the total interest income (latest filing)?
$1.74M.