Bank of Cadiz and Trust Company

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.03%	5-year CD	2.27% - National Average
2.02%	1-year CD	1.38% - National Average
0.05%	Savings	0.26% - National Average

View all Bank of Cadiz and Trust Company rates »

Overview / Commentary

www.bankofcadiz.com

270-522-6066

Main And Scott Streets
Cadiz, KY 42211

Bank of Cadiz and Trust Company is headquartered in Cadiz and is the 115^th largest bank in the state of Kentucky. It is also the 4,075^th largest bank in the nation. It was established in 1970 and as of December of 2018, it had grown to 33 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

B+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	20239
Year Established	1970
Employees	33
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	11.09%
Annual Interest Income	$4.3MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$103.1MM$110.0MM
Loans	Q4 2018vs Q4 2017	$62.9MM$61.7MM
Deposits	Q4 2018vs Q4 2017	$92.7MM$95.0MM
Equity Capital	Q4 2018vs Q4 2017	$9.7MM$9.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$653.00K$603.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$805.00K$178.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$106.00K

Rates

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Checking
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Bank of Cadiz and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Christmas Club Accounts
0.05%	$100	-	Passbook Savings Accounts

Bank of Cadiz and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$250k^*	-	Money Management Accounts
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k \| 0.20% → $100k - $250k

Bank of Cadiz and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Super Now Account
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k
0.20%^*	$100k^*	-	Advantage Club for 50+
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k
0.20%^*	$100k^*	-	50+ Interest Checking
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k
0.10%	$5k	-	Small Business Checking

Bank of Cadiz and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$500	-	60 Months CD
2.78%	$500	-	48 Months CD
2.52%	$500	-	36 Months CD
2.42%	$500	-	24 Months CD
2.12%	$500	-	18 Months CD
2.07%	$500	-	14 Months CD
2.02%	$500	-	12 Months CD
1.86%	$2.5k	-	9 Months CD
1.76%	$2.5k	-	7 Months CD
1.51%	$2.5k	-	6 Months CD
1.00%	$2.5k	-	3 Months CD

Bank of Cadiz and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$100	-	60 Month IRA
2.78%	$100	-	48 Month IRA
2.52%	$100	-	36 Month IRA
2.42%	$100	-	24 Month IRA
2.12%	$100	-	18 Month IRA
2.12%	$100	-	18 Month Variable Rate IRA
2.07%	$100	-	14 Month IRA
2.02%	$100	-	12 Month IRA
1.86%	$100	-	9 Month IRA
1.76%	$100	-	7 Month IRA
1.51%	$100	-	6 Month IRA
1.00%	$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	Main and Scott Streets	Cadiz, KY 42211
Cadiz Branch	Highway 139 and Brown Street	Cadiz, KY 42211

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