Bank of Cadiz and Trust Company

Overview / Commentary
Main And Scott Streets
Cadiz, KY 42211

Bank of Cadiz and Trust Company is headquartered in Cadiz and is the 104th largest bank in the state of Kentucky. It is also the 3,732nd largest bank in the nation. It was established in 1970 and as of June of 2020, it had grown to 33 employees at 5 locations. Bank of Cadiz and Trust Company has an A health rating.


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Health Grade Components

FDIC Certificate #20239
Year Established1970
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD7.13%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$127.7MM$112.6MM
LoansQ2 2020vs Q2 2019$63.5MM$64.0MM
DepositsQ2 2020vs Q2 2019$115.6MM$101.3MM
Equity CapitalQ2 2020vs Q2 2019$11.3MM$10.6MM
Loan Loss AllowanceQ2 2020vs Q2 2019$553.00K$572.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$375.00K$517.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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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

0.10%$100-Christmas Club Accounts
0.05%$100-Passbook Savings Accounts

Bank of Cadiz and Trust Company Money Market Rates

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

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

0.50%$500-60 Months CD
0.40%$500-48 Months CD
0.35%$500-36 Months CD
0.30%$500-24 Months CD
0.25%$500-18 Months CD
0.20%$500-12 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

0.50%$100-60 Month IRA
0.40%$100-48 Month IRA
0.35%$100-36 Month IRA
0.30%$100-24 Month IRA
0.25%$100-18 Month IRA
0.25%$100-18 Month Variable Rate IRA
0.20%$100-6 Month IRA
0.20%$100-7 Month IRA
0.20%$100-9 Month IRA
0.20%$100-12 Month IRA
0.20%$100-14 Month IRA
0.10%$100-3 Month IRA

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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