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
Unfavorable gap of $29.9M · efficiency ratio beats 72% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.93% | 1.26% | 1.54% | Beats 76% | 43 / 176 | |
| Return on Equity | 13.61% | 9.26% | 11.89% | 14.46% | Beats 66% | 60 / 176 | |
| Net Interest Margin | 2.65% | 3.25% | 3.59% | 3.93% | Beats 5% | 168 / 176 | |
| Efficiency Ratio | 53.38% | 52.79% | 59.55% | 67.66% | Beats 72% | 50 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.30% | 0.64% | 1.32% | Beats 59% | 73 / 176 | |
| Net Charge-Offs / Loans | 0.30% | 0.01% | 0.04% | 0.10% | Beats 6% | 166 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 14.29% | 11.15% | 12.72% | 14.15% | Beats 76% | 43 / 176 | |
| Total Risk-Based Capital Ratio | 15.35% | 11.81% | 13.63% | 15.33% | Beats 76% | 43 / 176 | |
| Equity / Assets | 11.36% | 9.16% | 10.35% | 11.80% | Beats 70% | 53 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 79.20% | 80.94% | 89.73% | 97.21% | 19th pctl | 142 / 176 | |
| Loans / Assets | 68.32% | 69.25% | 75.12% | 80.82% | 20th pctl | 140 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |