Cadiz, KY · Cert 20239 · Cadiz Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 2.1% share · #13 of 19 inst. · $0.1B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.62% | 0.58% | 0.89% | 0.78% | +13 bps | |
| Return on Equity | 42.03% | 33.64% | 27.46% | 30.96% | 27.37% | -1,465 bps | |
| Net Interest Margin | 2.86% | 2.94% | 2.93% | 3.04% | 3.09% | +23 bps | |
| Efficiency Ratio | 75.50% | 76.60% | 78.34% | 67.47% | 71.52% | -398 bps | |
| Non-Interest Burden | 2.07% | 2.17% | 2.22% | 1.95% | 2.13% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.60% | 5.49% | 8.16% | 1.55% | 3.72% | +12 bps | |
| Loan Growth (YoY) | 2.98% | 9.30% | 15.94% | 19.56% | 21.64% | +1,867 bps | |
| Deposit Growth (YoY) | 1.88% | 4.89% | 5.78% | 0.53% | 2.89% | +100 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.48% | 0.38% | 0.47% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.37% | +37 bps | |
| Allowance / Loans | 1.19% | 1.13% | 1.09% | 1.07% | 0.86% | -32 bps | |
| Allowance Coverage of NPLs | 14.0x | 2.3x | 2.9x | 2.3x | 247.3x | +233.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.97% | 9.10% | 9.03% | 8.87% | 9.07% | +10 bps | |
| Total Risk-Based Capital | 18.66% | 17.98% | 17.26% | 16.43% | 16.12% | -254 bps | |
| Equity / Assets | 2.04% | 2.78% | 3.07% | 2.67% | 2.81% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.79% | 55.13% | 57.78% | 60.03% | 62.42% | +963 bps | |
| Liquid Assets / Assets | 0.54% | 0.53% | 0.53% | 0.89% | 0.54% | +1 bps | |
| CRE / Total Capital | n/a | 184.49% | 185.39% | 204% | n/a | n/a | |