Cedar Rapids Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cedar Rapids Bank and Trust Company of Cedar Rapids, IA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.00% | 1.46% | +1.54% | 98th top |
| ROAE | 17.95% | 12.71% | +5.24% | 84th top |
| Net Interest Margin | 3.96% | 3.85% | +0.11% | 66th above |
| Efficiency Ratio | 36.21% | 57.43% | -21.22% | 95th top |
| PPNR / Avg Assets | 3.44% | 1.87% | +1.57% | 98th top |
| Yield on Earning Assets | 5.98% | 5.72% | +0.26% | 75th top |
| Cost of Funds | 2.32% | 2.02% | +0.30% | 29th below |
| Net Interest Spread | 3.37% | 3.18% | +0.19% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.54% | 1.00% | -0.46% | 55th above |
| NPA / Total Assets | 0.38% | 0.76% | -0.38% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.23% | 0.43% | -0.20% | 18th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.31% | -0.12% | 58th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 219.61% | 543.72% | -324.11% | 58th above |
| Texas Ratio | 2.20% | 7.40% | -5.20% | 75th top |
| Provision / NCO | 35.62% | 619.38% | -583.76% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.15% | 17.34% | -4.19% | 44th below |
| Tier 1 Ratio | 13.15% | 17.37% | -4.22% | 44th below |
| Total Capital Ratio | 13.86% | 18.42% | -4.56% | 37th below |
| Leverage Ratio | 16.94% | 11.43% | +5.51% | 96th top |
| Equity / Assets | 16.86% | 11.33% | +5.53% | 97th top |
| TCE / Tangible Assets | 16.42% | 10.49% | +5.93% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.95% | 86.94% | +10.01% | 24th bottom |
| Core Deposit Ratio | 83.73% | 85.56% | -1.83% | 30th below |
| Uninsured Deposit Ratio | 33.97% | 33.12% | +0.85% | 42nd below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.65% | 5.70% | -0.05% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.57% | 9.68% | -1.11% | 70th above |
| Loan Growth (Y/Y) | 8.60% | 8.06% | +0.54% | 68th above |
| Deposit Growth (Y/Y) | 10.12% | 7.87% | +2.25% | 75th top |
See Cedar Rapids Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cedar Rapids Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cedar Rapids Bank and Trust Company profile, how to read a UBPR, or how this data updates.