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Quad City Bank and Trust Company

Bettendorf, IA · Cert 33867 · QCR Holdings Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Quad City Bank and Trust Company

Bettendorf, IA · Cert 33867 · QCR Holdings Inc.

State charter, Fed member · FED · 3 affiliate banks · 5 branches (37 in holding)

Q2 2026

$2.8BAssets
$1.9BLoans
$2.4BDeposits
$315.3MEquity
Loan mix
76%RE $1.4B23%C&I $0.4B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $2.1B13%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.76%Q2 ’245.48%Q2 ’255.00%Q2 ’26+3%-7%

Non-interest income vs. expense

2.10%Q2 ’241.97%Q2 ’251.87%Q2 ’26-14%-14%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 22.7% share · #1 of 29 inst. · $2.4B of $10.5B

41.5% Scott
6.6% Rock Island

Executive Summary

  • Earnings: ROA of 1.50%, up 24 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.51% of loans (-22 bps YoY), with net charge-offs at 0.52%.
  • Capital: tier 1 leverage ratio of 11.01%, down 69 bps from a year ago.
  • Funding: loans stand at 79.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.50%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.65%-19 bps YoY

Efficiency Ratio (YTD, annualized)

53.38%-92 bps YoY

Tier 1 Leverage Ratio

11.01%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.25%1.30%1.34%1.50%+24 bps
Return on Equity11.59%11.50%11.86%12.65%13.89%+230 bps
Net Interest Margin2.83%2.76%2.64%2.69%2.65%-19 bps
Efficiency Ratio54.30%54.96%55.27%53.96%53.38%-92 bps
Non-Interest Burden1.18%1.14%1.11%1.07%1.01%-16 bps
Growth
Asset Growth (YoY)4.22%9.75%4.75%12.00%4.80%+58 bps
Loan Growth (YoY)-3.58%1.34%-0.88%0.35%-6.71%-313 bps
Deposit Growth (YoY)9.97%9.16%8.26%13.75%3.63%-634 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.62%0.67%0.56%0.51%-22 bps
Net Charge-Offs / Loans0.68%0.61%0.60%0.54%0.52%-16 bps
Allowance / Loans1.32%1.24%1.31%1.21%1.17%-15 bps
Allowance Coverage of NPLs1.8x2.0x2.0x2.2x2.3x+0.5x
Capital
Tier 1 Leverage Ratio11.70%11.17%10.65%10.94%11.01%-69 bps
Total Risk-Based Capital14.33%13.65%14.33%13.97%15.35%+102 bps
Equity / Assets11.25%10.74%11.29%9.95%11.36%+12 bps
Liquidity & Funding
Loans / Deposits87.97%88.01%88.21%75.13%79.20%-878 bps
Liquid Assets / Assets10.78%10.19%10.12%8.61%16.65%+587 bps
CRE / Total Capitaln/a359%338%344%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Quad City Bank and Trust Company

Bettendorf, IA · Cert 33867 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · QCR Holdings Inc.

State charter, Fed member · FED · 3 affiliate banks · 5 branches (37 in holding)

Q2 2026

$2.8BAssets
$1.9BLoans
$2.4BDeposits
$315.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 76% of banks $1B-$10B in assets operating regionally (rank 43 of 176).
  • Widest gap: net interest margin trails 95% of banks $1B-$10B in assets operating regionally (rank 168 of 176).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.55%

Rank 43 of 176

Net Interest Margin

2.65%

Rank 168 of 176

Efficiency Ratio

53.38%

Rank 50 of 176

Equity / Assets

11.36%

Rank 53 of 176

Non-interest income vs. expense

$25.4M$55.3MINCOMEEXPENSE
Unfavorable gap of $29.9M · efficiency ratio beats 72% of banks $1B-$10B in assets operating regionally
Bank 53.38%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.55%0.93%1.26%1.54%Beats 76%43 / 176
Return on Equity13.61%9.26%11.89%14.46%Beats 66%60 / 176
Net Interest Margin2.65%3.25%3.59%3.93%Beats 5%168 / 176
Efficiency Ratio53.38%52.79%59.55%67.66%Beats 72%50 / 176
Asset Quality
Nonperforming Loans / Loans0.51%0.30%0.64%1.32%Beats 59%73 / 176
Net Charge-Offs / Loans0.30%0.01%0.04%0.10%Beats 6%166 / 176
Capital
Tier 1 Capital Ratio14.29%11.15%12.72%14.15%Beats 76%43 / 176
Total Risk-Based Capital Ratio15.35%11.81%13.63%15.33%Beats 76%43 / 176
Equity / Assets11.36%9.16%10.35%11.80%Beats 70%53 / 176
Liquidity & Funding
Loans / Deposits79.20%80.94%89.73%97.21%19th pctl142 / 176
Loans / Assets68.32%69.25%75.12%80.82%20th pctl140 / 176
Brokered Deposits / Depositsn/aNot reported for this institution