Bank of Cadiz and Trust Company

Main And Scott Streets
Cadiz, KY 42211

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20239
Date Established 1970
Assets $0.11 billion
Loans $0.06 billion
Deposits $0.10 billion
Capital $0.01 billion

Bank of Cadiz and Trust Company is an FDIC insured institution located in Cadiz, KY. It was founded in 1970 and has approximately $0.11 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Bank of Cadiz and Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Cadiz and Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Kentucky, Bank of Cadiz and Trust Company has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 55.29
Multifamily
Mortgages
0.59
Credit Card Loans 0.00
Consumer Auto Loans 0.81
Small Business Loans 14.27
Construction and Development Loans 7.80
Commercial Real Estate 16.24
Commercial and Industrial Loans 6.98
Farm Loans 0.01

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.25% $2,500 - Learn MoreShow Less
6 Mo CD 10K
0.40% $2,500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.50% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.75% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $1,000 $4,999 Learn MoreShow Less
MM 10K
0.05% $5,000 $19,999 Learn MoreShow Less
MM 25K
0.05% $20,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 $4,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Cadiz and Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

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Payment
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NMLS ID: 64446
License#: MC-5531
4.308% 4.250% 0.50 $1,725 $1,230 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,190 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Bank of Cadiz and Trust Company
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Branches

Bank of Cadiz and Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Cadiz and Trust Company Locations

Financial Details

Bank of Cadiz and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Cadiz and Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Cadiz and Trust Company U.S. Bank Average
3.04% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, Bank of Cadiz and Trust Company had $187,000 in non-current loans and $103,000 in owned real estate. To cover these potential losses it had $8,925,000 in equity and $618,000 in loans loss reserves. That gives it a Texas Ratio of 3.04%.

Return on Equity
Bank of Cadiz and Trust Company U.S. Bank Average
10.26% 9.35%

Bank of Cadiz and Trust Company has a Return on Equity of 10.26% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Cadiz and Trust Company U.S. Bank Average
7.91% 12.01%

Bank of Cadiz and Trust Company has a Capitalization of 7.91% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Cadiz and Trust Company Balance Sheet Analysis

As of March 31, 2018, Bank of Cadiz and Trust Company had assets of $112,892,000, loans of $61,049,000, and deposits of $98,434,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
LIABILITIES
Total deposits $0.10 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 92.35%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Cadiz And Trust Company

Branches and Savings

Is Bank Of Cadiz And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #20239.

Why does Bank Of Cadiz And Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Cadiz And Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Cadiz And Trust Company a commercial bank?

Yes

Where are Bank Of Cadiz And Trust Company locations?

See branch locations nearby.

Is Bank Of Cadiz And Trust Company open on Saturdays?

Is Bank Of Cadiz And Trust Company open on Sundays?

What time does Bank Of Cadiz And Trust Company open?

What time does Bank Of Cadiz And Trust Company close?

Are Bank Of Cadiz And Trust Company ATMs Open 24/7?

Do Bank Of Cadiz And Trust Company ATMs accept cash deposits?

Can Bank Of Cadiz And Trust Company customers use other ATMs?

Do Bank Of Cadiz And Trust Company branches have notaries?

Will Bank Of Cadiz And Trust Company notarize my document?

What address for Bank Of Cadiz And Trust Company should I put for incoming ACH transfers?

Will the Bank Of Cadiz And Trust Company branch print checks?

Do Bank Of Cadiz And Trust Company checks expire?

Does Bank Of Cadiz And Trust Company require US citizenship to open account?

Can Bank Of Cadiz And Trust Company close my account?

Does Bank Of Cadiz And Trust Company Report to credit bureaus?

Does Bank Of Cadiz And Trust Company Use Equifax?

What is Bank Of Cadiz And Trust Company's ACH Routing Number?

What is Bank Of Cadiz And Trust Company's SWIFT code?

Products

Does Bank Of Cadiz And Trust Company offer mortgages?

Compare mortgage rates here.

Does Bank Of Cadiz And Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Cadiz And Trust Company offer personal loans?

Compare personal loan rates here.

Does Bank Of Cadiz And Trust Company offer student loans?

Will Bank Of Cadiz And Trust Company cash a check?

Will Bank Of Cadiz And Trust Company redeem a savings bond?

Does Bank Of Cadiz And Trust Company cash savings bonds?

Will Bank Of Cadiz And Trust Company cash money orders?

Can Bank Of Cadiz And Trust Company issue a money order?

Does Bank Of Cadiz And Trust Company do currency exchange?

Background on The Bank

Who owns Bank Of Cadiz And Trust Company?

How long has Bank Of Cadiz And Trust Company been around?

Can Bank Of Cadiz And Trust Company transfer to other banks?

Does Bank Of Cadiz And Trust Company have quick pay?

Does Bank Of Cadiz And Trust Company accept rolled coins?

Will Bank Of Cadiz And Trust Company accept loose change?

Where is Bank Of Cadiz And Trust Company headquarters?

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