Quad City Bank and Trust Company

Overview

What stands out about Quad City Bank and Trust Company?

Against its six size peers, its uninsured share of domestic deposits stands out most: 50.97% at Q2 2026, above the peer median of 30.26%. By uninsured share of domestic deposits it moved from 215th to 74th among 500 banks between Q1 2026 and Q2 2026 (1 = highest).

How large is Quad City Bank and Trust Company?

At Q2 2026 the bank held $2.8 bn of assets. Deposits were $2.4 bn and net loans and leases $1.9 bn, a loan-to-deposit ratio of 78.27%. Securities of $347.6 mn made up 12.5% of assets.

Total assets rose 100.2% between Q1 2016 and Q2 2026, from $1.4 bn.

How much of its funding is uninsured?

An estimated 50.97% of domestic deposits were above the FDIC insurance limit at Q2 2026, +12.70 pp from the previous quarter and +5.56 pp from a year earlier. That share ranks 74th among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 14.29% at Q2 2026, +1.19 pp from a year earlier. Since Q1 2016 it has ranged from 10.43% (Q4 2018) to 14.29% (Q2 2026). At Q2 2026 the tier 1 leverage ratio was 11.01% and the total risk-based capital ratio 15.35%. The median CET1 ratio of the size peers listed below was 15.47% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $21.3 mn at Q2 2026, measured as fair value minus amortized cost, equal to 6.8% of bank equity capital. The loss widened by $9.7 mn from a year earlier. Available-for-sale securities showed an unrealized loss of $11.6 mn at Q2 2026; the loss narrowed by $3.6 mn from a year earlier.

Return on equity was 13.89% for the year to Q2 2026, annualized, with a return on assets of 1.50% and a net interest margin of 2.90%. The margin was -0.10 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 53.38%. Net income for the year to Q2 2026 was $21.5 mn, up 27.9% on the same period a year earlier. The median return on equity of its size peers was 9.66% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.51% of total loans at Q2 2026. Net charge-offs for the year to date were 0.50% of average loans, annualized.

The FDIC history records no mergers or acquisitions for Quad City Bank and Trust Company since Q1 2016, and its total assets never moved more than 25% in one quarter.