Quad City Bank and Trust Company
Also written as QCB&T
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Data as of · sourced from FFIEC call reports. How we update
Quad City Bank and Trust Company is an FDIC-insured commercial bank headquartered in Bettendorf, IA, established in 1994 (FDIC certificate 33867), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.77B, up 4.8% from Q2 2025, the 7th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 14.29% 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
- 33867
- Headquarters
- Bettendorf, IA
- Established
- 1994
- Total assets, Q2 2026
- $2.77B
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 14.29%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 073902232
- Latest call report
- Q2 2026, FFIEC 041 · Quad City Bank and Trust Company Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- QCR HOLDINGS, INC.
- Asset rank in state
- 7th of 225 in Iowa
Quad City Bank and Trust Company, based in Bettendorf, Iowa, reported $2.8 billion in assets at June 30, 2026, up 4.8% from a year earlier. It holds about half of its deposits (51%) above the FDIC insurance limit, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 30.9%). It also shrank its loan book 6.7% over the year, lower than about 9 in 10 banks its size (median 6.0%).
Earnings jumped: net income for the quarter was $12 million, 43% above the same quarter a year earlier. Over the same year, loans shrank 6.7% and deposits grew 3.6%. Its margin is thin by comparison: it keeps 2.96 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Quad City Bank and Trust Company reported a CET1 capital ratio of 14.29%, a return on assets of 1.60%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 2.87%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Quad City Bank and Trust Company is the 7th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 10.3% to $2.77B, loans fell 7.4% and deposits fell 12.2%. Its loan book on June 30, 2026 was led by multifamily loans, at 24.4% of total loans, followed by commercial and industrial loans at 18.6%. Its 5 offices in the FDIC Summary of Deposits are in Davenport, IA, Bettendorf, IA and Moline, IL; its Davenport 3 offices book 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Quad City Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2118 Middle Rd, Bettendorf, IA 52722
- County
- Scott
- Metro Area
- Davenport-Moline-Rock Island, IA-IL
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 7, 1994
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 231
- Domestic deposits
- $2.39B
- Allowance for credit losses
- $22.2M
- Net charge-offs (YTD)
- $5.0M
- Average total assets
- $2.95B
- Average total loans
- $1.98B
- Average interest-bearing deposits
- $2.23B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 7, 1994
- FDIC Cert
- 33867
- Fed RSSD
- 2142155
- SEC CIK
- 906465 → filed by QCR HOLDINGS, INC.
- Website
- www.qcbt.com →
- 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
Quad City Bank and Trust Company's total assets moved between a low of $2.41B (Q3 2023) and a high of $3.09B (Q1 2026) from Q3 2023 to 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
$2.77B total assets against $2.65B; $2.46B total liabilities against $2.35B.
$1.87B net loans and leases against $2.01B; $2.39B total deposits against $2.31B.
$347.7M securities against $315.8M; $429.7M cash and balances due against $211.5M.
$37.3M total interest income against $36.9M; $17.7M total interest expense against $17.9M.
$19.6M net interest income against $19.0M.
$6.8M total noninterest income against $5.3M; $13.9M total noninterest expense against $13.1M.
-$525K provision for credit losses against $2.1M.
$11.8M net income against $8.2M.
1.60% return on assets against 1.24%; 2.96% net interest margin against 3.22%.
14.29% CET1 capital ratio against 13.10%; 11.01% tier 1 leverage ratio against 11.70%.
Inside the full Quad City 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
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.
Quad City Bank and Trust Company rankings
Its closest position to the top of a national ranking is 93 of 980, for uninsured deposits; its furthest is 1,900 of 3,640, for Texas Ratio.
Metric pages for Quad City Bank and Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q3 2024) to 1.60% (Q2 2026) and its net interest margin ran from 2.96% (Q2 2026) to 3.22% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.29% | 1.60% | 0.51% | 2.87% | 2.96% |
| Q1 2026 | 12.89% | 1.33% | 0.56% | 3.46% | 3.02% |
| Q4 2025 | 13.13% | 1.32% | 0.67% | 4.13% | 3.15% |
| Q3 2025 | 12.50% | 1.21% | 0.62% | 4.08% | 3.18% |
| Q2 2025 | 13.10% | 1.24% | 0.72% | 4.60% | 3.22% |
| Q1 2025 | 12.73% | 1.31% | 0.90% | 5.85% | 3.20% |
| Q4 2024 | 12.40% | 1.10% | 0.90% | 6.00% | 3.09% |
| Q3 2024 | 11.97% | 0.77% | 0.73% | 5.02% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Quad City Bank and Trust Company (main office) | Bettendorf , IA | 52722 | $1.05B |
| 4500 Brady Street Branch | Davenport , IA | 52806 | $1.03B |
| Illinois Branch | Moline , IL | 61265 | $193.3M |
| 5405 Utica Ridge Road Branch | Davenport , IA | 52807 | $104.2M |
| West Davenport-Five Points Branch | Davenport , IA | 52804 | $17.5M |
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 |
|---|---|---|---|
| June 13, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.7% of deposits in IA, rank 10 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 119 applications, 103 loans originated, $43.7M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K 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 Quad City Bank and Trust Company
What are Quad City Bank and Trust Company's total assets?
As of the Q2 2026 filing, Quad City Bank and Trust Company reported total assets of $2.77 billion in its FFIEC call report.
Where is Quad City Bank and Trust Company headquartered?
It is headquartered in Bettendorf, IA, United States.
When was Quad City Bank and Trust Company founded?
It was established in 1994, per the FDIC institution directory.
Is Quad City Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Quad City Bank and Trust Company?
Quad City Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is Quad City Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Quad City Bank and Trust Company operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Quad City Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 2.87% 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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