Bank of Cadiz and Trust Company (FDIC certificate #20239) is based in Cadiz, Kentucky. Its Q2 2026 call report shows $142.9M in total assets and $137.9M in deposits and 5 offices.
Based on its Q2 2026 filing, Bank of Cadiz and Trust Company scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 55th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (41/100; 9.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (72 → 74), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 66 |
| Q4 2024 | 73 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.56% |
| Q3 2024 | 8.85% |
| Q4 2024 | 9.21% |
| Q1 2025 | 8.99% |
| Q2 2025 | 8.97% |
| Q3 2025 | 9.10% |
| Q4 2025 | 9.03% |
| Q1 2026 | 8.87% |
| Q2 2026 | 9.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.73% |
| Q1 2026 | 1.13% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $142.9M | 9.07% | 0.00% | 0.99% | 61.9% |
| Q1 2026 | 69 | $142.6M | 8.87% | 0.47% | 1.13% | 59.4% |
| Q4 2025 | 67 | $143.0M | 9.03% | 0.38% | 0.73% | 57.1% |
| Q3 2025 | 67 | $142.3M | 9.10% | 0.48% | 0.80% | 54.5% |
| Q2 2025 | 72 | $137.8M | 8.97% | 0.08% | 0.82% | 52.2% |
| Q1 2025 | 71 | $140.4M | 8.99% | 0.00% | 0.62% | 49.9% |
| Q4 2024 | 73 | $132.2M | 9.21% | 0.00% | 0.79% | 52.1% |
| Q3 2024 | 66 | $134.9M | 8.85% | 0.33% | 0.62% | 52.3% |
| Q2 2024 | 64 | $133.0M | 8.56% | 0.33% | 0.64% | 51.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples BankBank Taylorsville, KY | 74 out of 100, Strong | $145.0M | 10.8% | 0.97% | vs |
| Bank of BuffaloBank Buffalo, KY | 69 out of 100, Moderate | $140.5M | 9.8% | 0.69% | vs |
| Hyden Citizens BankBank Hyden, KY | 73 out of 100, Strong | $148.6M | 9.2% | 0.54% | vs |
| The Sacramento Deposit BankBank Sacramento, KY | 74 out of 100, Strong | $149.8M | 9.5% | 0.76% | vs |
| The Peoples BankBank Marion, KY | 73 out of 100, Strong | $135.3M | 11.6% | 0.23% | vs |
| Independent Correspondent Bankers' Bank, Inc.Bank Frankfort, KY | 69 out of 100, Moderate | $151.4M | 13.2% | 0.99% | vs |
Deposit insurance
Is my money safe at Bank of Cadiz and Trust Company?
Yes. Bank of Cadiz and Trust Company is an FDIC-insured institution (FDIC certificate #20239). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.3% of deposits ($12.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.12% (benchmark: 10%).
5 locations
Branches
Bank of Cadiz and Trust Company lists 4 offices in 3 cities. Most locations:
- Cadiz, KY (2)
- Hopkinsville, KY (1)
- Murray, KY (1)
Identity & history
Profile
- Legal name
- Bank of Cadiz and Trust Company
- Former names
- Bank of Cadiz
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 20239
- RSSD ID
- 904845
- Primary regulator
- FED
- Holding company
- Cadiz Bcorp Inc
- Established
- August 7, 1970
- Headquarters
- 79 Main St, Cadiz, KY 42211
- Website
- www.bankofcadiz.com
- Employees
- 34
Quick answers
Bank of Cadiz and Trust Company: common questions
Is Bank of Cadiz and Trust Company FDIC insured?
Yes. Bank of Cadiz and Trust Company is an FDIC-insured institution (FDIC certificate #20239). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Cadiz and Trust Company's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Cadiz and Trust Company ever failed?
There is no failure record for FDIC certificate #20239 in the FDIC failed bank list.
How many branches does Bank of Cadiz and Trust Company have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cadiz
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Southern BankBank Hopkinsville, KY | 81 out of 100, Strong | $353.7M | 12.7% | 0.37% | vs |
| Fortera Federal Credit UnionCredit union Clarksville, TN | 78 out of 100, Strong | $946.7M | 12.7% | 0.65% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| Farmers Bank and Trust CompanyBank Princeton, KY | 76 out of 100, Strong | $247.8M | 9.5% | 0.04% | vs |
| First Kentucky Bank, Inc.Bank Mayfield, KY | 73 out of 100, Strong | $585.6M | 9.3% | 0.25% | vs |
| Lawrence BankBank Nashville, TN | 69 out of 100, Moderate | $3.0B | 9.8% | 0.17% | vs |