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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cadiz, KY · FDIC certificate #20239
BANK OF CADIZ&TRUST CO is an FDIC-insured institution based in Cadiz, KY (FDIC certificate #20239). In its Q3 2026 Call Report it reported total assets of $143M, total deposits of $137M and net loans of $88M. Its primary federal regulator is FED.
Plain-language readout
BANK OF CADIZ&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $143M in Q3 2026 and were lowest at $143M in Q1 2026.
Total deposits were highest at $138M in Q2 2026 and lowest at $137M in Q3 2026.
Over the whole period total assets rose 0.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $143M | $137M | $88M | 1.02% | 38.23% | 3.53% |
| Q2 2026 | $143M | $138M | $85M | 0.99% | 34.87% | 3.51% |
| Q1 2026 | $143M | $138M | $82M | 1.13% | 39.40% | 3.47% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.8M | $4.3M | -$477K | -11.1% |
| Federal funds sold | $803K | $2.2M | -$1.4M | -63.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $48.0M | $49.2M | -$1.3M | -2.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $85.3M | $81.8M | +$3.5M | +4.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.9M | $2.9M | -$9K | -0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.1M | $2.1M | +$8K | +0.4% |
| Total assets | $142.9M | $142.6M | +$358K | +0.3% |
| Liabilities | ||||
| Total deposits | $137.9M | $137.8M | +$79K | +0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.0M | $928K | +$78K | +8.4% |
| Total liabilities | $138.9M | $138.7M | +$157K | +0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $10.3M | $10.3M | $0K | 0.0% |
| Retained earnings | $3.4M | $3.1M | +$266K | +8.6% |
| Accumulated other comprehensive income | -$9.9M | -$9.8M | -$65K | -0.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $4.0M | $3.8M | +$201K | +5.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $3K | $386K | -$383K | -99.2% |
| Adjusted nonperforming assets | $3K | $386K | -$383K | -99.2% |
| Tangible equity plus allowance | $4.8M | $4.7M | +$57K | +1.2% |
| Texas ratio (gross) | 0.06% | 8.21% | -8.15 pts | See points |
| Texas ratio (adjusted) | 0.06% | 8.21% | -8.15 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.06% | 8.21% | -8.15 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.30% | 15.43% | -0.13 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.30% | 15.43% | -0.13 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.82% | 1.00% | -0.19 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.12% | 16.43% | -0.31 pts | See points |
| Tier 1 leverage (approximate) | 9.07% | 8.87% | +0.20 pts | See points |
| Construction and land loans to total capital | 103.57% | 100.03% | +3.54 pts | See points |
| Commercial real estate to total capital | 168.53% | 145.52% | +23.01 pts | See points |
| Dividend payout, year to date | 92.96% | 153.47% | -60.51 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -71.06% | -71.96% | +0.90 pts | See points |
| Liquidity | ||||
| Core deposits | $126.2M | $129.0M | -$2.8M | -2.2% |
| Non-core funding | $11.7M | $8.8M | +$2.9M | +32.6% |
| Loans to core deposits | 68.21% | 64.14% | +4.07 pts | See points |
| Loans to deposits | 62.42% | 60.03% | +2.39 pts | See points |
| Brokered deposits share of deposits | 2.53% | 0.00% | +2.53 pts | See points |
| Pledged securities share of securities | 43.38% | 43.02% | +0.36 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $11.7M | $8.8M | +$2.9M | +32.6% |
| Earnings | ||||
| Earnings before provision, year to date | $740K | $419K | +$321K | +76.6% |
| Earnings before provision, single quarter | $321K | $419K | -$98K | -23.4% |
| Provision for credit losses, year to date | $30K | $15K | +$15K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.73% | 6.74% | -0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 4.66% | 2.92% | +1.74 pts | See points |
| Total interest income to average assets | 4.58% | 4.49% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.08% | 0.07% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.15% | 1.26% | -0.10 pts | See points |
| Cost of time deposits | 3.49% | 3.59% | -0.10 pts | See points |
| Total interest expense to average assets | 1.44% | 1.45% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $143M | $137M | $88M | 1.02% | 38.23% | 3.53% |
| 2026-06-30 | $143M | $138M | $85M | 0.99% | 34.87% | 3.51% |
| 2026-03-31 | $143M | $138M | $82M | 1.13% | 39.40% | 3.47% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $134M | 0.11% | 114 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.