Cedar Rapids Bank and Trust Company
Cedar Rapids Bank and Trust Company reported total assets of $2.9 bn at Q2 2026, up 8.6% on a year earlier, the 434th largest of 497 banks in our US coverage. The CET1 capital ratio at Cedar Rapids Bank and Trust Company was 13.15%. Cedar Rapids Bank and Trust Company held deposits of $2.1 bn. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Cedar Rapids Bank and Trust Company slipped from 146th to 219th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Cedar Rapids Bank and Trust Company has one of the highest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 16.94% at , against a median of 10.45% across 339 banks (FDIC Call Reports).
- At 2.72%, the return on assets (ROA) of Cedar Rapids Bank and Trust Company sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 1.32% (FDIC Call Reports).
What sets Cedar Rapids Bank and Trust Company apart
- Since , Cedar Rapids Bank and Trust Company has taken over one institution; the latest was Guaranty Bank and Trust Company on .
How large is Cedar Rapids Bank and Trust Company?
The balance sheet of Cedar Rapids Bank and Trust Company at : assets $2.9 bn, deposits $2.1 bn, net loans $2.0 bn (loans equal to 95.79% of deposits). Securities make up 12.3% of total assets at Cedar Rapids Bank and Trust Company. Since , when Cedar Rapids Bank and Trust Company held $888.7 mn, its assets grew 226.3%. In the year to , deposits at Cedar Rapids Bank and Trust Company rose 10.1% while its total assets rose 8.6%. At , Cedar Rapids Bank and Trust Company employed 192 full-time equivalent staff across 9 offices, about $15.1 mn of assets per employee and $230.6 mn of deposits per office.
How much funding at Cedar Rapids Bank and Trust Company is uninsured?
At Cedar Rapids Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 33.97% of domestic deposits at (+1.58 pp on a year earlier); Cedar Rapids Bank and Trust Company ranks 260th of 500 on this measure. In dollars, Cedar Rapids Bank and Trust Company estimated $704.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | +10.1% | 490th of 499 |
| Net loans and leases | $2.0 bn | +8.8% | 444th of 500 |
| Loan-to-deposit ratio | 95.79% | -1.18 pp | 95th of 500 |
| Tier 1 leverage ratio | 16.94% | -0.34 pp | 17th of 500 |
| Total risk-based capital ratio | 13.86% | -1.22 pp | 268th of 448 |
| Net interest margin | 3.63% | +0.14 pp | 255th of 500 |
| Return on assets (ROA) | 2.72% | +0.51 pp | 21st of 500 |
| Efficiency ratio | 40.44% | -4.85 pp | 63rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $20.2 mn | Widened by $9.8 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $14.3 mn | Narrowed by $2.8 mn | |
| Noncurrent loans to total loans | 0.54% | +0.02 pp | 214th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.23% | -0.03 pp | 362nd of 500 (1 = lowest) |
US rank of Cedar Rapids Bank and Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Cedar Rapids Bank and Trust Company: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.1bn
- Net loans $2.0bn
Capital and securities
The CET1 ratio of Cedar Rapids Bank and Trust Company stood at 13.15% in , -1.07 pp year on year. Low and high at Cedar Rapids Bank and Trust Company since : 10.58% () to 15.56% (). Equity capital of Cedar Rapids Bank and Trust Company at : $488.9 mn, or 16.9% of total assets. Cedar Rapids Bank and Trust Company also reported a total capital ratio of 13.86% for , and a tier 1 leverage ratio of 16.94%.
On held-to-maturity securities, Cedar Rapids Bank and Trust Company carried an unrealized loss of $20.2 mn at , equal to 4.1% of equity capital. The loss widened by $9.8 mn over the year. Its deepest point: $20.8 mn in . The available-for-sale portfolio of Cedar Rapids Bank and Trust Company showed an unrealized loss of $14.3 mn at ; the loss narrowed by $2.8 mn over the year.
Cedar Rapids Bank and Trust Company: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 17%
Cedar Rapids Bank and Trust Company: unrealized securities gains and losses
- Available for sale -$14mn
- Held to maturity -$20mn
Profitability and loan quality
For the year to , Cedar Rapids Bank and Trust Company earned a return on equity of 16.35%; return on assets: 2.72%. Net interest margin at Cedar Rapids Bank and Trust Company: 3.63%, +0.14 pp in a year. Cedar Rapids Bank and Trust Company net income: $39.1 mn, up 34.6% year on year. The efficiency ratio of Cedar Rapids Bank and Trust Company was 40.44%: about 40 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.54% of total loans at Cedar Rapids Bank and Trust Company; net charge-offs: 0.23% of average loans. Gross loans and leases at Cedar Rapids Bank and Trust Company: $2.0 bn, up 8.6% in a year.
Cedar Rapids Bank and Trust Company: profitability
- Return on equity 16%
- Net interest margin 3.6%
- Return on assets 2.7%
Peer group of Cedar Rapids Bank and Trust Company
The peer group of Cedar Rapids Bank and Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Cedar Rapids Bank and Trust Company (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Iowa. Against them, Cedar Rapids Bank and Trust Company shows CET1 ratio 13.15% against a peer median of 13.46%, return on equity 16.35% against a peer median of 11.91% and uninsured deposit share 33.97% against a peer median of 38.57%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bryant Bank | State nonmember bank | AL | $2.9 bn | 18.98% | 16.94% | 57.57% | |
| NEXTIER BANK | National bank | PA | $2.9 bn | 12.11% | 13.27% | 50.92% | |
| Wayne Bank | State nonmember bank | PA | $2.9 bn | 11.09% | 10.55% | 37.03% | |
| Cedar Rapids Bank and Trust Company | State member bank | IA | $2.9 bn | 13.15% | 16.35% | 33.97% | |
| National Exchange Bank and Trust | National bank | WI | $2.9 bn | not reported | 8.80% | 40.12% | |
| American First National Bank | National bank | TX | $2.9 bn | 16.38% | 15.49% | 22.72% | |
| Merchants Bank | National bank | MN | $2.9 bn | 13.46% | 10.53% | 25.78% | |
. FDIC Call Reports.
Last eight quarters
Two years at Cedar Rapids Bank and Trust Company, to : assets +10.7%, deposits +17.5%, equity +20.0%. Staff 188 to 192.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.8 bn | $2.9 bn | $2.9 bn | $2.9 bn |
| Total deposits | $1.8 bn | $1.9 bn | $1.9 bn | $1.9 bn | $1.9 bn | $2.0 bn | $2.0 bn | $2.1 bn |
| Bank equity capital | $407.5 mn | $423.9 mn | $438.7 mn | $454.5 mn | $453.4 mn | $469.4 mn | $476.3 mn | $488.9 mn |
| CET1 ratio | 13.71% | 13.85% | 14.03% | 14.22% | 13.75% | 13.76% | 13.85% | 13.15% |
| Return on equity (ROE) | 18.19% | 18.57% | 12.62% | 13.23% | 15.36% | 17.11% | 14.74% | 16.35% |
| Uninsured share of domestic deposits | 28.92% | 27.27% | 26.12% | 32.39% | 31.47% | 34.18% | 32.83% | 33.97% |
| Full-time equivalent employees | 188 | 190 | 188 | 193 | 179 | 186 | 189 | 192 |
| Number of offices | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Cedar Rapids Bank and Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed Guaranty Bank and Trust Company (FDIC certificate 14704).
Large one-quarter moves at Cedar Rapids Bank and Trust Company
- Total assets at Cedar Rapids Bank and Trust Company changed by +29.7% in the quarter to 2017-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Guaranty Bank and Trust Company.
Questions and identifiers
What were the total assets of Cedar Rapids Bank and Trust Company?
Cedar Rapids Bank and Trust Company reported $2.9 bn at in its Call Report. That makes Cedar Rapids Bank and Trust Company the 434th largest of 497 banks in our US coverage.
Is Cedar Rapids Bank and Trust Company the same as its holding company?
No. This page covers Cedar Rapids Bank and Trust Company, FDIC certificate 57244; QCR HOLDINGS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Cedar Rapids Bank and Trust Company profitable?
Cedar Rapids Bank and Trust Company reported net income of $39.1 mn for the year to ; annualized return on equity: 16.35%. So yes: Cedar Rapids Bank and Trust Company made a profit over these months.
When is data for Cedar Rapids Bank and Trust Company next updated?
Figures from Cedar Rapids Bank and Trust Company for are due after .
Where can I check the figures for Cedar Rapids Bank and Trust Company?
In the FDIC BankFind Suite record for certificate 57244, and in the Call Reports of Cedar Rapids Bank and Trust Company (RSSD ID 3029589) at the FFIEC Central Data Repository.