Cedar Rapids Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Cedar Rapids Bank and Trust Company is an FDIC-insured commercial bank headquartered in Cedar Rapids, IA, established in 2001 (FDIC certificate 57244), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.90B, up 8.6% from Q2 2025, the 6th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 13.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57244
- Headquarters
- Cedar Rapids, IA
- Established
- 2001
- Total assets, Q2 2026
- $2.90B
- Assets vs Q2 2025
- +8.6%
- CET1 ratio, Q2 2026
- 13.15%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 073922801
- Latest call report
- Q2 2026, FFIEC 041 · Cedar Rapids Bank and Trust Company call report
- Holding company
- QCR HOLDINGS, INC.
- Asset rank in state
- 6th of 225 in Iowa
Cedar Rapids Bank and Trust Company is one of the more profitable banks of its size. Its balance sheet stood at $2.9 billion at June 30, 2026, up 8.6% from a year earlier; it is based in Cedar Rapids, Iowa. It earns about $3.00 a year on every $100 of assets, 2.3 times the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $22 million, 40% above the same quarter a year earlier.
As of June 30, 2026, Cedar Rapids Bank and Trust Company reported a CET1 capital ratio of 13.15%, a return on assets of 3.00%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 2.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cedar Rapids Bank and Trust Company is the 6th largest of the 225 banks headquartered in Iowa. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $2.90B, loans fell 0.4% and deposits rose 4.8%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 35.2% of total loans, ahead of commercial and industrial loans at 23.8%. The FDIC Summary of Deposits lists 9 offices for it, in 4 cities in IA; its Cedar Rapids 5 offices book 91% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cedar Rapids Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 1st Ave Ne, Cedar Rapids, IA 52401
- County
- Linn
- Metro Area
- Cedar Rapids, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 14, 2001
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 192
- Domestic deposits
- $2.08B
- Allowance for credit losses
- $24.0M
- Net charge-offs (YTD)
- $2.3M
- Average total assets
- $2.89B
- Average total loans
- $2.01B
- Average interest-bearing deposits
- $1.72B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 2001
- FDIC Cert
- 57244
- Fed RSSD
- 3029589
- SEC CIK
- 906465 → filed by QCR HOLDINGS, INC.
- Website
- www.CRBT.bank →
- Parent Holding Company
- QCR HOLDINGS, INC. (RSSD 2125813) · QCRH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Larry J Helling | CEO | CEO, QCRH & CRBT |
| Laura L Ekizian | PRES | President & CEO, QCBT |
| Todd A Gipple | PRES | President & CFO |
| Reba K Winter | COO | EVP, COO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cedar Rapids Bank and Trust Company's total assets ran between $2.45B (Q3 2023) and $2.90B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.90B total assets against $2.67B; $2.41B total liabilities against $2.22B.
$1.99B net loans and leases against $1.83B; $2.08B total deposits against $1.88B.
$356.6M securities against $322.9M; $36.0M cash and balances due against $81.4M.
$35.3M total interest income against $32.9M; $12.6M total interest expense against $12.9M.
$22.7M net interest income against $20.0M.
$18.1M total noninterest income against $12.6M; $15.9M total noninterest expense against $14.3M.
$294K provision for credit losses against $1.2M.
$21.7M net income against $15.4M.
3.00% return on assets against 2.34%; 3.96% net interest margin against 3.80%.
13.15% CET1 capital ratio against 14.22%; 16.94% tier 1 leverage ratio against 17.28%.
Inside the full Cedar Rapids Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cedar Rapids Bank and Trust Company rankings
Its closest position to the top of a national ranking is 76 of 3,611, for ROA; its furthest is 1,349 of 2,134, for CET1 ratio.
Metric pages for Cedar Rapids Bank and Trust Company: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.10% (Q1 2025) to 3.55% (Q4 2025) and its net interest margin ran from 3.38% (Q3 2024) to 3.96% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.15% | 3.00% | 0.54% | 2.20% | 3.96% |
| Q1 2026 | 13.85% | 2.44% | 0.60% | 2.48% | 3.88% |
| Q4 2025 | 13.76% | 3.55% | 0.53% | 2.20% | 3.90% |
| Q3 2025 | 13.75% | 3.25% | 0.51% | 2.08% | 3.86% |
| Q2 2025 | 14.22% | 2.34% | 0.52% | 2.08% | 3.80% |
| Q1 2025 | 14.03% | 2.10% | 0.59% | 2.37% | 3.77% |
| Q4 2024 | 13.85% | 3.12% | 0.74% | 3.02% | 3.45% |
| Q3 2024 | 13.71% | 2.52% | 0.65% | 2.74% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cedar Rapids Bank and Trust Company (main office) | Cedar Rapids , IA | 52401 | $1.73B |
| Council Street Branch | Cedar Rapids , IA | 52402 | $94.4M |
| Community National Bank Branch | Waterloo , IA | 50701 | $86.6M |
| Marion Branch | Marion , IA | 52302 | $48.8M |
| Bever Avenue Office | Cedar Rapids , IA | 52403 | $30.7M |
| F Avenue Branch | Cedar Rapids , IA | 52405 | $30.1M |
| Cedar Falls Branch | Cedar Falls , IA | 50613 | $27.0M |
| Waterloo Branch | Waterloo , IA | 50701 | $25.2M |
| Cedar Hills Branch | Cedar Rapids , IA | 52405 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 2, 2017 | M&A | Acquired Guaranty Bank and Trust Company merger for the acquired bank | SEC |
| December 2, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 2017 | Structure Change | Acquired Guaranty Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 2013 | M&A | Acquired Community National Bank merger for the acquired bank | SEC |
| October 26, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2013 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in IA, rank 11 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 237 applications, 189 loans originated, $640.3M originated, across 27 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.9M approved, $387K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cedar Rapids Bank and Trust Company
What are Cedar Rapids Bank and Trust Company's total assets?
As of the Q2 2026 filing, Cedar Rapids Bank and Trust Company reported total assets of $2.90 billion in its FFIEC call report.
Where is Cedar Rapids Bank and Trust Company headquartered?
It is headquartered in Cedar Rapids, IA, United States.
When was Cedar Rapids Bank and Trust Company founded?
It was established in 2001, per the FDIC institution directory.
Is Cedar Rapids Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57244). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cedar Rapids Bank and Trust Company?
Cedar Rapids Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is Cedar Rapids Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cedar Rapids Bank and Trust Company operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cedar Rapids Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 2.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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