Quad City Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.30 percentage points higher than in Q1 2026, at 232.48%. Quad City Bank and Trust Company ranks 76th of 225 Iowa banks on return on assets, in the upper half at 1.60% (Q2 2026). Quad City Bank and Trust Company reported 1.60% on return on assets for Q2 2026, 0.32 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.35% |
| Tier 1 leverage ratio | 11.01% |
| Equity capital to assets | 11.36% |
| Tangible equity to tangible assets | 11.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.45% |
| Texas ratio | 2.87% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 232.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 15.13% |
| Net interest margin | 2.96% |
| Efficiency ratio | 47.81% |
| Yield on earning assets | 5.46% |
| Cost of funds | 2.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.20% |
| Core deposits to total deposits | 90.39% |
| Brokered deposits to total deposits | 6.14% |
| Deposits to assets | 86.27% |
| Securities to assets | 12.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.65% | 11.65% | 12.90% | 11.10% | 0.97% |
| Q4 2023 | 11.42% | 11.42% | 12.67% | 11.23% | 0.67% |
| Q1 2024 | 11.52% | 11.52% | 12.77% | 11.15% | 0.79% |
| Q2 2024 | 11.66% | 11.66% | 12.91% | 11.11% | 0.88% |
| Q3 2024 | 11.97% | 11.97% | 13.23% | 11.19% | 0.77% |
| Q4 2024 | 12.40% | 12.40% | 13.65% | 11.41% | 1.10% |
| Q1 2025 | 12.73% | 12.73% | 13.98% | 11.56% | 1.31% |
| Q2 2025 | 13.10% | 13.10% | 14.33% | 11.70% | 1.24% |
| Q3 2025 | 12.50% | 12.50% | 13.65% | 11.17% | 1.21% |
| Q4 2025 | 13.13% | 13.13% | 14.33% | 10.65% | 1.32% |
| Q1 2026 | 12.89% | 12.89% | 13.97% | 10.94% | 1.33% |
| Q2 2026 | 14.29% | 14.29% | 15.35% | 11.01% | 1.60% |
Quad City Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Quad City Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)