Cedar Rapids Bank and Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
This quarter marks the 25-year anniversary of Cedar Rapids Bank and Trust Company's 2001 charter. Headquartered in Cedar Rapids, Cedar Rapids Bank and Trust Company serves the Iowa market as a community-focused commercial bank. On its most recent Q2 2026 call report, Cedar Rapids Bank and Trust Company reported $2.9B in total assets against $2.1B in deposits. Returns are notably above industry norms: 3.00% ROA, 17.95% ROE, and 3.96% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 13.15% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.54% NPL ratio. 9 branches make up the footprint.
As of June 30, 2026, Cedar Rapids Bank and Trust Company reported a CET1 capital ratio of 13.15%, a return on assets of 3.00%, a nonperforming-loan ratio of 0.54%, a Texas ratio of 2.20%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 500 1st Ave Ne, Cedar Rapids, IA 52401
- County
- Linn
- Metro Area
- Cedar Rapids, IA
- 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
- —
- Call Report form
- FFIEC 041
- Established
- September 14, 2001
- Offices
- 9 domestic
- Employees (FTE)
- 192
- Domestic deposits
- $2.08B
- Allowance for credit losses
- $24.0M
- Net charge-offs (YTD)
- $2.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 2001
- FDIC Cert
- 57244
- Fed RSSD
- 3029589
- SEC CIK
- 906465 → filed by QCR HOLDINGS, INC.
- Website
- www.CRBT.bank →
- 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 |
|---|---|---|
| Ekizian Laura L | CEO | President & CEO, QCBT |
| Gipple Todd A | CFO | President & CFO |
| Winter Reba K | COO | EVP, COO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cedar Rapids Bank and Trust Company terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cedar Rapids Bank and Trust Company, 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.
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.
Cedar Rapids Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Cedar Rapids Bank and Trust Company: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.15% | 3.00% | 0.54% | 2.20% | 3.96% |
| Q1 2026 | 13.85% | 2.44% | 0.60% | 2.48% | 3.88% |
| Q4 2025 | 13.76% | 3.55% | 0.53% | 2.20% | 3.90% |
| Q3 2025 | 13.75% | 3.25% | 0.51% | 2.08% | 3.86% |
| Q2 2025 | 14.22% | 2.34% | 0.52% | 2.08% | 3.80% |
| Q1 2025 | 14.03% | 2.10% | 0.59% | 2.37% | 3.77% |
| Q4 2024 | 13.85% | 3.12% | 0.74% | 3.02% | 3.45% |
| Q3 2024 | 13.71% | 2.52% | 0.64% | 2.74% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cedar Rapids Bank and Trust Company (main office) | Cedar Rapids , IA | 52401 | $1.73B |
| Council Street Branch | Cedar Rapids , IA | 52402 | $94.4M |
| Community National Bank Branch | Waterloo , IA | 50701 | $86.6M |
| Marion Branch | Marion , IA | 52302 | $48.8M |
| Bever Avenue Office | Cedar Rapids , IA | 52403 | $30.7M |
| F Avenue Branch | Cedar Rapids , IA | 52405 | $30.1M |
| Cedar Falls Branch | Cedar Falls , IA | 50613 | $27.0M |
| Waterloo Branch | Waterloo , IA | 50701 | $25.2M |
| Cedar Hills Branch | Cedar Rapids , IA | 52405 | $0 |
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 |
|---|---|---|---|
| December 2, 2017 | M&A | merger | SEC |
| December 2, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 2017 | Structure Change | Acquired Guaranty Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 2013 | M&A | merger | SEC |
| October 26, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2013 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Cedar Rapids Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.6% of deposits in IA, rank 11 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 237 applications, 189 loans originated, $640.3M originated, across 27 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cedar Rapids Bank and Trust Company
What are Cedar Rapids Bank and Trust Company's total assets?
As of the Q2 2026 filing, Cedar Rapids Bank and Trust Company reported total assets of $2.90 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cedar Rapids Bank and Trust Company headquartered?
Cedar Rapids Bank and Trust Company is headquartered in Cedar Rapids, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Cedar Rapids Bank and Trust Company founded?
Cedar Rapids Bank and Trust Company was established in 2001, per the FDIC institution directory.
Is Cedar Rapids Bank and Trust Company FDIC-insured?
Yes. Cedar Rapids Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #57244). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cedar Rapids Bank and Trust Company?
Cedar Rapids Bank and Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cedar Rapids Bank and Trust Company's CET1 capital ratio?
Cedar Rapids Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 13.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cedar Rapids Bank and Trust Company operate?
Cedar Rapids Bank and Trust Company operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cedar Rapids Bank and Trust Company's Texas Ratio?
Cedar Rapids Bank and Trust Company's Texas Ratio is 2.20% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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