2. Bank of Cadiz and Trust Company

Bank of Cadiz and Trust Company


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 115th largest bank in the state of Kentucky. It is also the 4,075th 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 Established1970
Employees33
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD11.09%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$103.1MM$110.0MM
LoansQ4 2018vs Q4 2017$62.9MM$61.7MM
DepositsQ4 2018vs Q4 2017$92.7MM$95.0MM
Equity CapitalQ4 2018vs Q4 2017$9.7MM$9.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$653.00K$603.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$805.00K$178.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$106.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Christmas Club Accounts
0.05%$100-Passbook Savings Accounts

Bank of Cadiz and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Branch106 Lakota DriveCadiz, KY 42211
Hopkinsville Branch2808 Fort Campbell BoulevardHopkinsville, KY 42240
Murray Branch630 N 12th StMurray, KY 42071
Bank Of Cadiz and Trust CompanyMain and Scott StreetsCadiz, KY 42211
Cadiz BranchHighway 139 and Brown StreetCadiz, KY 42211

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