Quad City Bank and Trust Company
Quad City Bank and Trust Company reported total assets of $2.8 bn at Q2 2026, up 4.8% on a year earlier, the 458th largest of 497 banks in our US coverage. The CET1 capital ratio at Quad City Bank and Trust Company was 14.29%. Quad City Bank and Trust Company held deposits of $2.4 bn. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Quad City Bank and Trust Company climbed from 331st to 202nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Over the year to , the net loans and leases of Quad City Bank and Trust Company fell by 6.6% to $1.9 bn, a bigger fall than at 96% of covered banks (FDIC Call Reports).
- Quad City Bank and Trust Company has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.50% at , against a median of 0.06% across 339 banks (FDIC Call Reports).
What sets Quad City Bank and Trust Company apart
How large is Quad City Bank and Trust Company?
The balance sheet of Quad City Bank and Trust Company at : assets $2.8 bn, deposits $2.4 bn, net loans $1.9 bn (loans equal to 78.27% of deposits). Securities make up 12.5% of total assets at Quad City Bank and Trust Company. Since , when Quad City Bank and Trust Company held $1.4 bn, its assets grew 100.2%. In the year to , deposits at Quad City Bank and Trust Company rose 3.6% while its total assets rose 4.8%. At , Quad City Bank and Trust Company employed 231 full-time equivalent staff across 5 offices, about $12.0 mn of assets per employee and $478.8 mn of deposits per office.
How much funding at Quad City Bank and Trust Company is uninsured?
At Quad City Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 50.97% of domestic deposits at (+5.56 pp on a year earlier); Quad City Bank and Trust Company ranks 74th of 500 on this measure. In dollars, Quad City Bank and Trust Company estimated $1.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +3.6% | 441st of 499 |
| Net loans and leases | $1.9 bn | -6.6% | 458th of 500 |
| Loan-to-deposit ratio | 78.27% | -8.54 pp | 364th of 500 |
| Tier 1 leverage ratio | 11.01% | -0.69 pp | 171st of 500 |
| Total risk-based capital ratio | 15.35% | +1.02 pp | 146th of 448 |
| Net interest margin | 2.90% | -0.10 pp | 419th of 500 |
| Return on assets (ROA) | 1.50% | +0.24 pp | 152nd of 500 |
| Efficiency ratio | 53.38% | -0.92 pp | 198th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $21.3 mn | Widened by $9.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $11.6 mn | Narrowed by $3.6 mn | |
| Noncurrent loans to total loans | 0.51% | -0.22 pp | 202nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.50% | -0.18 pp | 441st of 500 (1 = lowest) |
US rank of Quad City Bank and Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Quad City Bank and Trust Company: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.4bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of Quad City Bank and Trust Company stood at 14.29% in , +1.19 pp year on year. Low and high at Quad City Bank and Trust Company since : 10.43% () to 14.29% (). Equity capital of Quad City Bank and Trust Company at : $315.3 mn, or 11.4% of total assets. Quad City Bank and Trust Company also reported a total capital ratio of 15.35% for , and a tier 1 leverage ratio of 11.01%.
On held-to-maturity securities, Quad City Bank and Trust Company carried an unrealized loss of $21.3 mn at , equal to 6.8% of equity capital. The loss widened by $9.7 mn over the year. The available-for-sale portfolio of Quad City Bank and Trust Company showed an unrealized loss of $11.6 mn at ; the loss narrowed by $3.6 mn over the year.
Quad City Bank and Trust Company: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Quad City Bank and Trust Company: unrealized securities gains and losses
- Available for sale -$12mn
- Held to maturity -$21mn
Profitability and loan quality
For the year to , Quad City Bank and Trust Company earned a return on equity of 13.89%; return on assets: 1.50%. Net interest margin at Quad City Bank and Trust Company: 2.90%, -0.10 pp in a year. Quad City Bank and Trust Company net income: $21.5 mn, up 27.9% year on year. The efficiency ratio of Quad City Bank and Trust Company was 53.38%: about 53 cents cost per revenue dollar, against 69 cents at the median peer.
At , noncurrent loans were 0.51% of total loans at Quad City Bank and Trust Company; net charge-offs: 0.50% of average loans. Gross loans and leases at Quad City Bank and Trust Company: $1.9 bn, down 6.7% in a year.
Quad City Bank and Trust Company: profitability
- Return on equity 14%
- Net interest margin 2.9%
- Return on assets 1.5%
Peer group of Quad City Bank and Trust Company
The peer group of Quad City Bank and Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Quad City 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, Quad City Bank and Trust Company shows CET1 ratio 14.29% against a peer median of 15.47%, return on equity 13.89% against a peer median of 9.66% and uninsured deposit share 50.97% against a peer median of 30.26%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Citizens and Farmers Bank | State nonmember bank | VA | $2.8 bn | 13.54% | 11.04% | 30.51% | |
| Ion Bank | State member bank | CT | $2.8 bn | 15.75% | 7.63% | 21.70% | |
| Sunrise Banks | National bank | SD | $2.8 bn | not reported | 3.75% | 15.33% | |
| Quad City Bank and Trust Company | State member bank | IA | $2.8 bn | 14.29% | 13.89% | 50.97% | |
| Avidia Bank | State-chartered stock savings bank | MA | $2.8 bn | 15.47% | 8.29% | 39.16% | |
| Lead Bank | State nonmember bank | MO | $2.8 bn | 20.33% | 18.15% | 30.02% | |
| Open Bank | State nonmember bank | CA | $2.7 bn | 12.10% | 12.57% | 49.75% | |
. FDIC Call Reports.
Last eight quarters
Two years at Quad City Bank and Trust Company, to : assets +9.6%, deposits +8.5%, equity +14.0%. Staff 234 to 231.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.6 bn | $2.8 bn | $2.6 bn | $2.8 bn | $2.7 bn | $3.1 bn | $2.8 bn |
| Total deposits | $2.2 bn | $2.1 bn | $2.4 bn | $2.3 bn | $2.4 bn | $2.3 bn | $2.7 bn | $2.4 bn |
| Bank equity capital | $276.6 mn | $280.9 mn | $290.0 mn | $297.8 mn | $298.4 mn | $303.8 mn | $307.9 mn | $315.3 mn |
| CET1 ratio | 11.97% | 12.40% | 12.73% | 13.10% | 12.50% | 13.13% | 12.89% | 14.29% |
| Return on equity (ROE) | 7.67% | 8.30% | 11.97% | 11.59% | 11.49% | 11.86% | 12.65% | 13.89% |
| Uninsured share of domestic deposits | 48.33% | 41.41% | 46.77% | 45.41% | 47.14% | 49.29% | 38.27% | 50.97% |
| Full-time equivalent employees | 234 | 227 | 227 | 239 | 240 | 240 | 239 | 231 |
| Number of offices | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Quad City Bank and Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Quad City Bank and Trust Company?
Quad City Bank and Trust Company reported $2.8 bn at in its Call Report. That makes Quad City Bank and Trust Company the 458th largest of 497 banks in our US coverage.
Is Quad City Bank and Trust Company the same as its holding company?
No. This page covers Quad City Bank and Trust Company, FDIC certificate 33867; QCR HOLDINGS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Quad City Bank and Trust Company profitable?
Quad City Bank and Trust Company reported net income of $21.5 mn for the year to ; annualized return on equity: 13.89%. So yes: Quad City Bank and Trust Company made a profit over these months.
When is data for Quad City Bank and Trust Company next updated?
Figures from Quad City Bank and Trust Company for are due after .
Where can I check the figures for Quad City Bank and Trust Company?
In the FDIC BankFind Suite record for certificate 33867, and in the Call Reports of Quad City Bank and Trust Company (RSSD ID 2142155) at the FFIEC Central Data Repository.