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The Bank of Cadiz was chartered April 22, 1970 and opened for business on August 7, 1970 in a temporary location at Main and Brown Streets in Cadiz, Trigg County, Kentucky. Some 200 shareholders invested in the bank after being organized by George Bleidt, William E. Fuller, John O. Hill, T. Lacy Jones, Vance Leneave, Willard Lester, Boyd Thomas, M.W. “Chuck” Thomas, Roger Thomas, Ross Thomas and others.

Under the leadership of Mr. William E. Fuller and Mr. Kenneth Guinn, the bank moved into new modern facilities at 79 Main Street in November, 1970. This facility continues to serve as the bank’s main office. Full banking services were offered, including two drive-in lanes.

External Shot of the Main office

Other significant changes are:

1978 – Trust powers were obtained and a Trust Department was organized and the bank’s name was changed to the Bank of Cadiz and Trust Company.

1988 – A new four-lane drive-in branch was opened in the adjoining block.

1988 – A holding company, Cadiz Bancorp, Inc., was formed to assure the bank’s existence as a locally owned, independent banking organization.

1980s – A new Automated Teller Machine was introduced, providing the bank’s customers’ 24-hour access to their accounts seven days a week.

External Shot of the Lakota office

2001 – Due to ever increasing customer volume, a new full service branch at 106 Lakota Drive opened. Lakota Drive is a full service branch with a five-lane drive-up and Automated Teller Machine.

External Shot of the Hopkinsville office

2004 – The bank ventured into neighboring Hopkinsville with the addition of a new Loan Production Office, located at 2703 Fort Campbell Boulevard. Since then, a new full service branch has been established across the street at 2808 Fort Campbell Boulevard.

2006 – The bank was converted to a Sub-Chapter S organization for tax purposes and positioned to continue as an independently owned institution.

2007 – A year of change internally for the bank. Imaging and electronic processing was installed to take advantage of efficiencies of “Check 21” instituted by the Federal Reserve Bank.

External Shot of the Murray office

2008 – A full service branch opened in March at 630 North 12th Street in Murray, Ky. This provides the bank with locations where most of our customers live, work and shop.

2016 – A new building was constructed for the Murray location. The new building is located at 307 North 12th Street.

Due to the dedication shown by the Shareholders, Employees and Customers, the Bank of Cadiz and Trust Company continues to grow and be a vital part of the markets we serve. The bank continues to show excellent growth patterns and has aggressive plans to maintain that level of growth. With the expertise and dedication of the Board of Directors’ and employees, we are confident we can accomplish our future goals.



The primary mission of the Bank of Cadiz and Trust Co. is to create the best financial institution possible by:

  • Providing superior long term economic rewards to our Shareholders, while providing a safe and sound investment.
  • Helping our Customers achieve economic success and financial security, thereby making the Communities we serve better places to live and work.
  • Creating a workplace that provides our Employees the opportunity to learn, grow, enjoy financial security and a superior quality of life.



Strategic Objectives

The Bank of Cadiz and Trust Co. will strive to create a high performance, independent community bank that can survive and prosper in the ever-changing economic environment. We are committed to superior performance goals and exceptional quality of customer service.

President's Message
For over 50 years, Bank of Cadiz & Trust Co. has been a high performance, independent community bank. We are committed to meeting the changing needs of our customers and exceptional quality of customer service. We have a vested interest in the overall prosperity of the communities we serve because we live in these communities too. Our mission is to help our customers achieve economic success and financial security, thereby making the communities we serve better places to live and work.

Bank of Cadiz & Trust Co. is an independent hometown bank staffed with your neighbors and friends, who are committed to providing you with quality, professional, hometown service. Being a hometown bank means local management and local decision making. We are proud of the communities we serve and are committed to supporting and being involved with them. You can rely on the Bank of Cadiz & Trust Co. to handle your financial needs today and in the future.

We have all the products and services that a large financial institution will offer while making it a simple process for you. From mobile banking to cash management and trust services, Bank of Cadiz & Trust Co. can handle all of your financial needs. Our customers have the ability to apply for a loan online from our website. This provides convenience for the customer to apply anytime or anywhere.

We hope you find our website to be informative and simple to navigate. We want you to be assured that when you bank with Bank of Cadiz & Trust Co. you will be partnering with people you know and trust.

Kevin Atwood
President & CEO


Chip Cards are available at any of our locations. If you need to replace your card you will receive it in minutes while you wait. Contact one of our Customer Service Representatives for more information.

Bank of cadiz blue debit card

Exciting News! You can now apply online for a home equity line of credit, residential real estate or construction loan right on our website. You can do this on a desktop computer, laptop or iPad. The process only takes about 20 minutes and you can apply online anytime or anywhere!

Apply Online

Introducing SHAZAM brella

We have partnered with SHAZAM, our debit card network provider to help protect you against fraud. Early warning is the key and with this new mobile app it can make you aware of suspicious activity sooner. You know what you’ve purchased and you can spot an illegitimate purchase instantly.

With the SHAZAM brella app, you can automatically receive email alerts 24/7 to alert you of potential fraudulent activity:

  • A debit card purchase for more than an amount you specify including transactions in foreign countries
  • Any card-not-present debit transaction (telephone orders, internet orders, mail orders, etc)
  • Any suspicious or high-risk transaction that occurs on your account

You’ll know right away whether the purchases are valid… so you can call immediately and put a stop to any fraud!

So don’t delay – Ask us today how to download SHAZAM brella  today. Click on the SHAZAM brella  Cardholder User Guide to show you how to get set up.

The service is free. Standard internet service rates may apply. Check with your mobile provider for details.

The Bank of Cadiz and Trust Company’s Board of Directors’ are:

Randy Braboy
Chairman, Attorney

William Fuller

Ernest Lawrence

John B. Leneave
Retired Farmer

Howard Boone

Wendell Lynch 
Mayor of Hopkinsville/Retired Bank Executive

Kevin Atwood
President and Chief Executive Officer

Sarah Neighborgall
Executive Vice President

Terms of Use


This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Kentucky.

Business Continuity Plan Disclosure

It is the policy of the Bank of Cadiz & Trust Co. (the “Bank”) to make you aware of our business continuity plans in case of an emergency. The Bank’s plans are designed to ensure that our operations will continue to function with little or no disruption, that our customers’ accounts will be secure and accessible, and that our customers will be able to reach us regardless of the scope of the situation or event. The Bank has developed a Business Continuity Plan (BCP) with respect to how we will respond to events that significantly disrupt our operations. Our BCP was designed to be flexible in responding to actual events as they occur, since the timing and impact of disasters and disruptions is unpredictable. With that in mind, we are providing you with this information.

Contacting Us. Should one of our branch or facility locations be affected we will move the operations to our alternate location where we are able to serve our customers as effectively as possible. Calls to the affected location will be re-routed to the alternate location where we have access to all of the same systems to serve you. In the event of a prolonged disruption to one of our branch or facility locations, our BCP provides for more permanent relocation of staff to an alternate location, where we will continue to provide the best service possible. If you cannot access us through our telephone lines, our website will be updated with further information at

Business Continuity Plan. It is the policy of the Bank to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the Bank’s books and records, and allowing our customers to transact business. Our BCP is designed to permit us to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our BCP addresses; data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, and counter-party impact; regulatory reporting; and assuring our customers prompt access to their accounts if we are unable to continue our operations.

We back up and/or store our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, the objective is to restore our operations and be able to complete existing transactions and accept new transactions as soon as possible. Your transactions could be delayed during this period.

Varying Disruptions. Significant business disruptions can vary in scope, such as a single office or facility, the immediate area where more than one office or facility is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption where only a single location is affected, we will transfer our operations to a location when appropriate and expect to recover and resume operations as soon as possible. In a disruption affecting multiple offices or facilities such as a city or region, we will transfer our operations to a location outside of the affected area, and recover and resume operations as soon as possible. In either situation, we plan to continue in business, and will notify you through our web site at All telephone calls placed to our main line will be forwarded to our alternate location if telephone service has not been interrupted.

Additional Information: Please contact us by telephone at (270) 522-6066 or by e-mail at if you have questions about the Bank’s Business Continuity Plan.

USA Patriot Act
The United States flag

Important Information About Procedures For Opening A New Account 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

We apologize for any inconvenience this may cause; however, federal law prohibits us from waiving these requirements.

Community Reinvestment Act Notice

Under the Federal Community Re-investment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA evaluation, prepared by the FDIC, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us: (1) a map showing the assessment area containing this branch, which is the area in which the FDIC evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

[If you would like to review the information about our CRA performance in other communities served by us, the public file for our entire bank is available at the Bank of Cadiz & Trust Company’s Main Office located at 79 Main Street, Cadiz KY 42211.]

At least 30 days before the beginning of each quarter, the FDIC published a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Supervision and Consumer Protection, FDIC, 300 South Riverside Plaza, Suite 1700, Chicago, IL 60606. You may send written comments about our performance in helping to meet community credit needs to: Donald Leibee, Bank of Cadiz & Trust Company, P.O. Box 2020, Cadiz, KY 42211-2020 and the FDIC Regional Manager. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Cadiz Bancorp, Inc., a bank holding company. You may request from the Officer in Charge of Supervision, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, Missouri 63166, an announcement of applications covered by the CRA filed by bank holding companies.


Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the fifth business day after the day of deposit.

Equal Housing Lender



Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.


Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act

and to:

Federal Reserve Consumer Help Center
PO Box 1200
Minneapolis, MN 55480
For processing under Federal Reserve Regulations


On the basis of race, color, religion, national origin, sex, marital status, or age (providing the applicant has the legal capacity to enter into a binding contract);
Because income is from public assistance; or
Because a right was exercised under the Consumer Credit Protection Act.

Federal Reserve Consumer Help Center
PO Box 1200
Minneapolis, MN 55480


Home Mortgage Disclosure Act

The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of the data, send a written request to:

Loan Compliance Officer
P.O. Box 2020
Cadiz, KY 42211

Notice to Inquirers & Loan Applicants

You have a right to submit a written application for a mortgage loan or a home improvement loan or to request written information concerning typical loan terms that we are currently offering on mortgage loans and home improvement loans. It is illegal to establish a minimum mortgage amount of more than $10,000,000 or a minimum home improvement loan of more than $1,000.00. It is illegal to deny a loan or vary the terms and conditions of a loan because of the racial or ethnic trends or characteristics of the neighborhood or the age of the structure, but not because of its physical condition. If your application for a loan is rejected, you have a right to a written statement of the reason for the rejection. If you are granted a loan but the amount required for down payment, the interest rate, term to maturity, application procedure, or other terms or conditions of the loan vary from terms or conditions offered in other neighborhoods, you have a right to a written statement of reasons for the variation. The right described in this notice are set forth and limited by Act No. 135 of the Public Acts of 1977. If you believe that your rights under this act have been violated you should contact the FDIC Consumer Response Center.

FDIC Consumer Response Center
100 Walnut Street, Box 11
Kansas City, MO 64106
Toll Free (877) 275-3342

Cropped cupped hands being held out with the bank of cadiz and trust co. logo and a logo for casual fora cause. The words Supporting our communities Bank of Cadiz & TrustCo and its employees continue to raise money for local charities in Cadiz, Hopkinsville and Murray.


Our offices are located in Cadiz, Hopkinsville and Murray KY. We proudly serve these communities and are committed to supporting and being involved in them.

Cadiz-Trigg Co.

Cadiz was the second town after Hopkinsville to be established in western Kentucky. Cadiz sits on the shores of Lake Barkley. With more than 340 miles of shoreline, Trigg County is located east of the Land Between The Lakes Recreation Area, a 170,000-acre peninsula. One-third of LBL is located within the county’s boundaries. LBL is located between Lake Barkley and Kentucky Lake. As of the 2010 Census, the population was 14,339. Trigg Co. is known for their famous 2-day Ham Festival in October. It has been recognized as one of the  southeast United State’s premier events.

Hopkinsville-Christian Co.

Hopkinsville is located on serene, rolling farmland in southwest Kentucky near the Tennessee border. With scenic vistas and friendly faces, Hopkinsville embraces the essence of rural western Kentucky. The seat of Christian County, Hopkinsville is the 6th largest city in Kentucky with a population of around 33,000. Hopkinsville provides quick and easy access to the Land Between the Lakes and Pennyrile Forest State Park.

Murray-Calloway Co.&

Nestled near Kentucky Lake and Land Between the Lakes, Murray is a growing community with activity and quality of life. It is the seat of Calloway County and the 22nd largest city in Kentucky. As of the 2010 Census, Calloway County’s population is 37,191. Murray-Calloway Co. enjoys a thriving business community, Murray State University, a top-ranked institution recognized by U.S. News and World Report and nationally ranked city and county schools systems.

Community Links


Cadiz-Trigg County Chamber of Commerce
Cadiz/Trigg County Tourist Commission
Cadiz/Trigg County Economic Development Commission
Christian County Chamber of Commerce
Hopkinsville Christian County Convention & Visitor’s Bureau
Janice Mason Art Museum
Murray-Calloway Co. Chamber of Commerce
Murray Kentucky Convention & Visitor’s Bureau
Murray Main Street
Trigg County Ham Festival


The Cadiz Record
Kentucky New Era  
Murray Ledger & Times


Kenlake State Resort Park
Lake Barkley State Resort Park
Land Between the Lakes National Recreation Area

Questions or Comments? If you have any questions regarding your accounts or services, please contact us or visit one of our offices. Please feel free to reach out to us with any questions, comments or suggestions using this secure online form. A representative with Bank of Cadiz & Trust Co. will contact you.

Cadiz Main Office 270.522.6066 | Hopkinsville 270.885.3211 | Murray 270.759.4852



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