BlastPoint's Banking Scorecard
Bank of Cadiz and Trust Company
Micro
Specialty: Commercial
KY
FDIC cert 20239
Designations: ✓ Community bank
Cadiz, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of Cadiz and Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.0M
+8.2% YoY
+0.5% QoQ
|
-$74.5M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$78.7M
+16.0% YoY
+5.2% QoQ
|
-$60.5M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$137.7M
+5.8% YoY
+0.3% QoQ
|
-$46.0M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.73%
-6.9% YoY
-7.8% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.43%
+1.6% YoY
+0.5% QoQ
|
-0.43% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
78.34%
+3.5% YoY
+2.3% QoQ
|
+10.61% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.39%
-20.6% QoQ
|
-0.25% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
57.14%
+9.7% YoY
+4.8% QoQ
|
-17.38% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
8.84%
-8.9% YoY
+0.6% QoQ
|
-13.56% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-16.9% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
16.23%
-9.4% YoY
-4.1% QoQ
|
+7.38% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.35%
-18.8% YoY
+28.1% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.84%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Loan-to-Deposit Ratio
Current: 57.14% · Tier avg: 74.53%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.23% · Tier avg: 8.85%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
41
41th pctile
Total Deposits
Current: $137.7M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $143.0M · Tier avg: $217.5M
33
33th pctile
Total Loans
Current: $78.7M · Tier avg: $139.2M
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 78.34% · Tier avg: 67.73%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.84% · Tier avg: 22.39%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.84% · Tier avg: 22.39%
23
23th pctile
Efficiency Ratio
Current: 78.34% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
33
33th pctile
Total Loans
Current: $78.7M · Tier avg: $139.2M
36
36th pctile
Total Assets
Current: $143.0M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $137.7M · Tier avg: $183.7M
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.23% · Tier avg: 8.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 57.14% · Tier avg: 74.53%