Quad City Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 36.49 percentage points in Q2 2026, from 293.68% to 257.19%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Quad City Bank and Trust Company is 130th 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.90B |
| Net loans and leases | $1.87B |
| Loans held for sale | $0 |
| Loans to total assets | 68.32% |
| Loan-to-deposit ratio | 79.20% |
| Net loans to equity capital | 5.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.89% |
| Multifamily (5+ residential) | 24.40% |
| Commercial and industrial | 18.60% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 1.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 257.19% |
| Construction concentration (Tier 1 capital + allowance) | 79.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.95% |
| Interest income on loans | $28.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.01B | $1.97B | 15.47% | 26.36% | 0.59% |
| Q4 2023 | $1.99B | $1.88B | 15.98% | 27.05% | 0.56% |
| Q1 2024 | $2.05B | $2.16B | 16.23% | 27.11% | 0.55% |
| Q2 2024 | $2.11B | $2.10B | 15.67% | 27.39% | 0.59% |
| Q3 2024 | $2.09B | $2.21B | 16.53% | 26.37% | 0.53% |
| Q4 2024 | $2.05B | $2.13B | 15.94% | 27.52% | 0.51% |
| Q1 2025 | $2.04B | $2.40B | 16.45% | 26.21% | 0.49% |
| Q2 2025 | $2.03B | $2.31B | 15.39% | 24.35% | 0.42% |
| Q3 2025 | $2.12B | $2.41B | 14.40% | 23.01% | 0.39% |
| Q4 2025 | $2.03B | $2.30B | 13.83% | 21.69% | 0.37% |
| Q1 2026 | $2.05B | $2.73B | 14.32% | 20.93% | 0.48% |
| Q2 2026 | $1.90B | $2.39B | 14.89% | 18.60% | 0.51% |
Quad City Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Quad City Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)