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
Unfavorable gap of $3.3M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.72% | 1.06% | 1.45% | Beats 29% | 529 / 746 | | |
| Return on Equity | 27.77% | 6.74% | 10.51% | 13.63% | Beats 99% | 9 / 746 | | |
| Net Interest Margin | 3.09% | 3.17% | 3.68% | 4.16% | Beats 21% | 586 / 746 | | |
| Efficiency Ratio | 71.52% | 55.74% | 64.58% | 75.47% | Beats 33% | 499 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 84% | 117 / 743 | | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.01% | 0.05% | Beats 9% | 677 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.30% | 11.55% | 13.75% | 17.60% | Beats 63% | 273 / 746 | | |
| Total Risk-Based Capital Ratio | 16.12% | 11.71% | 14.33% | 18.43% | Beats 64% | 268 / 746 | | |
| Equity / Assets | 2.81% | 8.90% | 10.51% | 13.06% | Beats 0% | 743 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.42% | 61.31% | 78.27% | 90.78% | 26th pctl | 552 / 746 | | |
| Loans / Assets | 60.23% | 53.60% | 66.97% | 76.08% | 35th pctl | 482 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |