Cedar Valley Bank & Trust
Cedar Valley Bank & Trust is an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Cedar Valley Bank & Trust reported $123M in total assets against $112M in deposits. The bank posts a strong 1.21% ROA and 13.74% ROE. Regulatory capital is solid — 12.14% CET1 and 13.07% total risk-based capital ratio. Credit metrics are in line with industry norms — 0.75% NPL ratio. It operates 2 branches, primarily in Iowa.
Headquarters Profile
- Address
- 321 Main St, LA PORTE CITY, IA 50651
- County
- Black Hawk
- Metro Area
- CEDAR RAPIDS, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- July 6, 1906
- Branches
- 2 domestic
- Employees (FTE)
- 18
- FDIC Cert
- 14694
- Fed RSSD
- 1014246
- Website
- www.cedarvalleybank.com →
- Parent Holding Company
- D & D BANCSHARES, INC. (RSSD 1363962)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Cedar Valley Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Similar banks
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Frequently asked about Cedar Valley Bank & Trust
What are Cedar Valley Bank & Trust's total assets?
As of the Q1 2026 filing, Cedar Valley Bank & Trust reported total assets of $123.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cedar Valley Bank & Trust headquartered?
Cedar Valley Bank & Trust is headquartered in LA PORTE CITY, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Cedar Valley Bank & Trust founded?
Cedar Valley Bank & Trust was established in 1906, per the FDIC institution directory.
Is Cedar Valley Bank & Trust FDIC-insured?
Yes. Cedar Valley Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #14694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cedar Valley Bank & Trust?
Cedar Valley Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cedar Valley Bank & Trust's CET1 capital ratio?
Cedar Valley Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 12.14% in its most recent quarterly filing — above regulatory minimums.
How many branches does Cedar Valley Bank & Trust operate?
Cedar Valley Bank & Trust operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Cedar Valley Bank & Trust's Texas Ratio?
Cedar Valley Bank & Trust's Texas Ratio is 15.80% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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