CEDAR RAPIDS BANK AND TRUST COMPANY

CEDAR RAPIDS, IA | Large | Est. Sept. 14, 2001, midnight | FDIC #57244 | RSSD #3029589 | FED
Latest Report: 2025-12-31

CEDAR RAPIDS BANK AND TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in CEDAR RAPIDS, IA, established in Sept. 14, 2001, midnight. As of 2025-12-31, the bank reported total assets of $2.9B and total deposits of $2.0B. Profitability stands at 3.64% ROA and 22.25% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 13.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 2.13%. FDIC Certificate #57244.

Assets

$2.9B

Deposits

$2.0B

Loans

$2.0B

Equity

$469M

Profitability

Return on Assets (ROA) 3.64%
Return on Equity (ROE) 22.25%
Net Interest Margin (NIM) 3.41%
Yield on Assets 5.49%
Cost of Funds 4.05%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.16%
Texas Ratio 2.13%
NPA Ratio 0.37%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 13.76%
Tier 1 Capital 13.76%
Total Capital Ratio 14.61%
Leverage Ratio 16.22%
Loan-to-Deposit 100.27%

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