Quad City Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 356.8% in Q2 2026, from $1.9M to $8.9M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Quad City Bank and Trust Company is 129th of 225 on loan-to-deposit ratio, 79.20% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Quad City Bank and Trust Company sits 9.00 points lower, at 79.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $429.7M |
| Cash and noninterest-bearing balances to assets | 8.34% |
| Cash and securities | $777.3M |
| Fed funds sold and reverse repos | $198.2M |
| Fed funds sold and reverse repos to assets | 7.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $8.9M |
| Other borrowed money | $24.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.20% |
| Net loans and leases to deposits | 78.27% |
| Loans and leases to core deposits | 82.04% |
| Core deposits to total deposits | 90.39% |
| Brokered deposits to total deposits | 6.14% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 101.61% | 93.62% | $28.4M | $110.0M |
| Q4 2023 | 105.78% | 85.18% | $73.5M | $170.0M |
| Q1 2024 | 94.66% | 86.81% | $126.9M | $0 |
| Q2 2024 | 100.34% | 78.03% | $50.6M | $75.0M |
| Q3 2024 | 94.80% | 84.13% | $9.2M | $0 |
| Q4 2024 | 96.35% | 79.46% | $94.0M | $25.0M |
| Q1 2025 | 85.15% | 82.98% | $35.0M | $0 |
| Q2 2025 | 87.97% | 79.41% | $1.4M | $0 |
| Q3 2025 | 88.01% | 85.92% | $2.9M | $34.7M |
| Q4 2025 | 88.21% | 84.24% | $14.3M | $28.8M |
| Q1 2026 | 75.13% | 86.68% | $1.9M | $29.0M |
| Q2 2026 | 79.20% | 90.39% | $8.9M | $24.9M |
Quad City Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Quad City Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Quad City Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33867) · FFIEC NIC profile (RSSD 2142155)