Bank of Cadiz and Trust Company

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

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Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

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Member FDIC

up to $300

Our Rating

4.2 / 5

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.bankofcadiz.com

270-522-6066

79 Main Street
Cadiz, KY 42211

Bank of Cadiz and Trust Company is headquartered in CADIZ and is the 98^th largest bank in the state of Kentucky. It is also the 3,471^st largest bank in the nation. It was established in 1970 and as of March of 2025, it had grown to 32 employees at 5 locations. Bank of Cadiz and Trust Company's CD rates are 2X the national average, and it has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	20239
Year Established	1970
Employees	32
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.62%
Return on Equity - YTD	48.21%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$140.4MM$137.4MM
Loans	Q1 2025vs Q1 2024	$68.4MM$66MM
Deposits	Q1 2025vs Q1 2024	$137.1MM$136.4MM
Equity Capital	Q1 2025vs Q1 2024	$2.3MM$111K
Loan Loss Allowance	Q1 2025vs Q1 2024	$824K$774K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$229K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of Cadiz and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$100	-	Passbook Savings Accounts
0.05%	$100	-	Christmas Club Accounts

Bank of Cadiz and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Money Management Accounts

Bank of Cadiz and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$1k	-	Super Now Account
0.05%	$1k	-	Advantage Club for 50+
0.05%	$1k	-	50+ Interest Checking
0.05%	$5k	-	Small Business Checking

Bank of Cadiz and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.55%	$500	-	60 Months CD
2.52%	$500	-	36 Months CD
2.26%	$500	-	18 Months CD
2.01%	$500	-	12 Months CD
0.40%	$500	-	48 Months CD
0.30%	$500	-	24 Months CD
0.20%	$500	-	14 Months CD
0.20%	$2.5k	-	6 Months CD
0.20%	$2.5k	-	7 Months CD
0.20%	$2.5k	-	9 Months CD
0.10%	$2.5k	-	3 Months CD

Bank of Cadiz and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.55%	$100	-	60 Month IRA
2.52%	$100	-	36 Month IRA
2.26%	$100	-	18 Month IRA
2.26%	$100	-	18 Month Variable Rate IRA
2.01%	$100	-	12 Month IRA
0.40%	$100	-	48 Month IRA
0.30%	$100	-	24 Month IRA
0.20%	$100	-	6 Month IRA
0.20%	$100	-	7 Month IRA
0.20%	$100	-	9 Month IRA
0.20%	$100	-	14 Month IRA
0.10%	$100	-	3 Month IRA

Locations

Bank of Cadiz and Trust Company Locations
Lakota Branch	106 Lakota Drive	Cadiz, KY 42211
Hopkinsville Branch	2808 Fort Campbell Boulevard	Hopkinsville, KY 42240
Murray Branch	630 N 12th St	Murray, KY 42071
Bank Of Cadiz and Trust Company	79 Main Street	Cadiz, KY 42211
Cadiz Branch	Highway 139 and Brown Street	Cadiz, KY 42211

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