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Bank of Cadiz and Trust Company

Cadiz, KY · Cert 20239 · Cadiz Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Cadiz and Trust Company

Cadiz, KY · Cert 20239 · Cadiz Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$142.9MAssets
$86.1MLoans
$137.9MDeposits
$4.0MEquity
Loan mix
86%RE $70.9M12%C&I $10.2M2%Consumer $1.6MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $125.6M9%Noninterest $12.3MQ3 2024Q2 2026

Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 2.1% share · #13 of 19 inst. · $0.1B of $6.2B

37.0% Trigg
1.3% Christian
0.5% Calloway

Executive Summary

  • Earnings: ROA of 0.78%, up 13 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 9.07%, up 10 bps from a year ago.
  • Funding: loans stand at 62.42% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+23 bps YoY

Efficiency Ratio (YTD, annualized)

71.52%-398 bps YoY

Tier 1 Leverage Ratio

9.07%+10 bps YoY

NIM

4.29%Q2 ’244.37%Q2 ’254.55%Q2 ’26+3%+8%

Non-interest income vs. expense

2.40%Q2 ’242.43%Q2 ’252.43%Q2 ’260%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.62%0.49%0.65%0.62%0.58%0.89%0.78%+13 bps
Return on Equity56.33%71.94%37.95%42.03%33.64%27.46%30.96%27.37%-1,465 bps
Net Interest Margin2.83%2.94%2.85%2.86%2.94%2.93%3.04%3.09%+23 bps
Efficiency Ratio79.11%75.70%80.62%75.50%76.60%78.34%67.47%71.52%-398 bps
Non-Interest Burden2.17%2.13%2.23%2.07%2.17%2.22%1.95%2.13%+5 bps
Growth
Asset Growth (YoY)-3.34%-2.33%2.15%3.60%5.49%8.16%1.55%3.72%+12 bps
Loan Growth (YoY)5.87%5.29%3.70%2.98%9.30%15.94%19.56%21.64%+1,867 bps
Deposit Growth (YoY)-6.77%-2.49%0.48%1.88%4.89%5.78%0.53%2.89%+100 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.00%0.00%0.08%0.48%0.38%0.47%0.00%-8 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%0.00%0.00%0.00%0.37%+37 bps
Allowance / Loans1.15%1.18%1.19%1.19%1.13%1.09%1.07%0.86%-32 bps
Allowance Coverage of NPLs3.5xn/an/a14.0x2.3x2.9x2.3x247.3x+233.4x
Capital
Tier 1 Leverage Ratio8.85%9.21%8.99%8.97%9.10%9.03%8.87%9.07%+10 bps
Total Risk-Based Capital18.48%19.01%18.84%18.66%17.98%17.26%16.43%16.12%-254 bps
Equity / Assets2.21%0.88%1.66%2.04%2.78%3.07%2.67%2.81%+77 bps
Liquidity & Funding
Loans / Deposits52.91%52.72%50.47%52.79%55.13%57.78%60.03%62.42%+963 bps
Liquid Assets / Assets0.53%0.55%0.52%0.54%0.53%0.53%0.89%0.54%+1 bps
CRE / Total Capitaln/an/an/an/a184.49%185.39%204%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Cadiz and Trust Company

Cadiz, KY · Cert 20239 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Cadiz Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$142.9MAssets
$86.1MLoans
$137.9MDeposits
$4.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks under $1B in assets operating in a single state (rank 9 of 746).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets operating in a single state (rank 743 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.78%

Rank 529 of 746

Net Interest Margin

3.09%

Rank 586 of 746

Efficiency Ratio

71.52%

Rank 499 of 746

Equity / Assets

2.81%

Rank 743 of 746

Non-interest income vs. expense

$0.5M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state
Bank 71.52%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.78%0.72%1.06%1.45%Beats 29%529 / 746
Return on Equity27.77%6.74%10.51%13.63%Beats 99%9 / 746
Net Interest Margin3.09%3.17%3.68%4.16%Beats 21%586 / 746
Efficiency Ratio71.52%55.74%64.58%75.47%Beats 33%499 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 84%117 / 743
Net Charge-Offs / Loans0.18%0.00%0.01%0.05%Beats 9%677 / 743
Capital
Tier 1 Capital Ratio15.30%11.55%13.75%17.60%Beats 63%273 / 746
Total Risk-Based Capital Ratio16.12%11.71%14.33%18.43%Beats 64%268 / 746
Equity / Assets2.81%8.90%10.51%13.06%Beats 0%743 / 746
Liquidity & Funding
Loans / Deposits62.42%61.31%78.27%90.78%26th pctl552 / 746
Loans / Assets60.23%53.60%66.97%76.08%35th pctl482 / 746
Brokered Deposits / Depositsn/aNot reported for this institution