Bank of Cadiz and Trust Company

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.25%	5-year CD	60 Months CD 1.85% - Synchrony Bank 60 Month CD
0.25%	1-year CD	14 Months CD 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Passbook Savings Accounts 1.00% - Ally Bank Online Savings Account

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 124^th largest bank in the state of Kentucky. It is also the 4,263^rd largest bank in the nation. It was established in 1970 and as of June of 2016, it had grown to 36 employees at 5 locations. Bank of Cadiz and Trust Company has a B+ health rating.

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Health

B+

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	20239
Year Established	1970
Employees	36
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	6.33%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$108.5MM$107.0MM
Loans	Q2 2016vs Q2 2015	$61.5MM$61.8MM
Deposits	Q2 2016vs Q2 2015	$93.2MM$92.6MM
Equity Capital	Q2 2016vs Q2 2015	$9.6MM$8.8MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$530.00K$1.0MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$153.00K$1.3MM
Real Estate Owned	Q2 2016vs Q2 2015	$454.00K$10.00K

Rates

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Bank of Cadiz and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	-	-	Variable Rate Roth IRA
0.30%	-	-	Variable Rate Traditional IRA
0.30%	-	-	Variable Rate Coverdell Education Savings
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% → $500 - $50k \| 0.10% → $50k - $100k
0.20%^*	$100k^*	-	Advantage Club for 50+
OTHER TIERS: 0.05% → $500 - $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
1.25%	$500	-	60 Months CD
1.00%	$500	-	48 Months CD
0.75%	$500	-	36 Months CD
0.50%	$500	-	24 Months CD
0.30%	$500	-	18 Months CD
0.25%	$500	-	12 Months CD
0.25%	$500	-	14 Months CD
0.15%	$2,500	-	6 Months CD
0.15%	$2,500	-	7 Months CD
0.15%	$2,500	-	9 Months CD
0.05%	$2,500	-	3 Months CD

Bank of Cadiz and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$100	-	60 Month IRA
1.00%	$100	-	48 Month IRA
0.75%	$100	-	36 Month IRA
0.50%	$100	-	24 Month IRA
0.30%	$100	-	18 Month IRA
0.25%	$100	-	12 Month IRA
0.25%	$100	-	14 Month IRA
0.15%	$100	-	6 Month IRA
0.15%	$100	-	7 Month IRA
0.15%	$100	-	9 Month IRA
0.05%	$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