PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.87%Q2 ’245.55%Q2 ’255.05%Q2 ’26+2%-7%

Non-interest income vs. expense

2.08%Q2 ’241.98%Q2 ’251.88%Q2 ’26-12%-18%

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 1.61%, up 39 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 0.46%.
  • 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 (quarter, annualized)

1.61%+39 bps YoY

Net Interest Margin (quarter, annualized)

2.65%-21 bps YoY

Efficiency Ratio (quarter, annualized)

52.83%-126 bps YoY

Tier 1 Leverage Ratio

11.01%-69 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.23%1.42%1.34%1.61%+39 bps
Return on Equity11.22%11.23%12.92%12.65%15.13%+391 bps
Net Interest Margin2.86%2.83%2.78%2.69%2.65%-21 bps
Efficiency Ratio54.09%56.17%56.16%53.96%52.83%-126 bps
Non-Interest Burden1.18%1.18%1.21%1.07%0.97%-21 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 / Loans0.90%0.52%0.48%0.54%0.46%-44 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