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Cedar Rapids Bank and Trust Company

Cedar Rapids, IA · Cert 57244 · QCR Holdings Inc.

State charter, Fed member · FED · 9 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 in a single state3

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 in a single state (n=257 to 258). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

95

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

Cedar Rapids Bank and Trust Company

Cedar Rapids, IA · Cert 57244 · QCR Holdings Inc.

State charter, Fed member · FED · 3 affiliate banks · 9 branches (37 in holding)

Q2 2026

$2.9BAssets
$2.0BLoans
$2.1BDeposits
$488.9MEquity
Loan mix
76%RE $1.5B23%C&I $0.5B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $1.8B14%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.99%Q2 ’244.91%Q2 ’254.83%Q2 ’26+7%+3%

Non-interest income vs. expense

2.35%Q2 ’242.07%Q2 ’252.11%Q2 ’26+168%-98%

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 22.1% share · #1 of 35 inst. · $1.9B of $8.8B

26.7% Linn
5.2% Black Hawk

Executive Summary

  • Earnings: ROA of 2.72%, up 51 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.54% of loans (+2 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 16.94%, down 34 bps from a year ago.
  • Funding: loans stand at 96.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.72%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+10 bps YoY

Efficiency Ratio (YTD, annualized)

40.44%-485 bps YoY

Tier 1 Leverage Ratio

16.94%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%2.55%2.83%2.43%2.72%+51 bps
Return on Equity13.23%15.36%17.11%14.74%16.35%+312 bps
Net Interest Margin3.01%3.00%2.87%3.10%3.11%+10 bps
Efficiency Ratio45.29%41.98%40.10%42.26%40.44%-485 bps
Non-Interest Burden0.51%0.07%-0.29%0.33%0.01%-50 bps
Growth
Asset Growth (YoY)5.74%5.66%9.95%9.33%8.57%+283 bps
Loan Growth (YoY)6.67%8.65%12.91%12.86%8.60%+193 bps
Deposit Growth (YoY)9.46%7.07%5.37%5.09%10.12%+66 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.51%0.53%0.60%0.54%+2 bps
Net Charge-Offs / Loans0.25%0.22%0.16%0.23%0.23%-3 bps
Allowance / Loans1.35%1.31%1.32%1.22%1.19%-16 bps
Allowance Coverage of NPLs2.6x2.6x2.5x2.0x2.2x-0.4x
Capital
Tier 1 Leverage Ratio17.28%16.81%16.22%16.68%16.94%-34 bps
Total Risk-Based Capital15.09%14.58%14.61%14.64%13.86%-122 bps
Equity / Assets17.02%16.38%16.35%16.61%16.86%-16 bps
Liquidity & Funding
Loans / Deposits98.30%100.20%100.27%102.04%96.95%-135 bps
Liquid Assets / Assets11.46%12.48%12.03%9.53%9.37%-210 bps
CRE / Total Capitaln/a277%279%283%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

Cedar Rapids Bank and Trust Company

Cedar Rapids, IA · Cert 57244 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · QCR Holdings Inc.

State charter, Fed member · FED · 3 affiliate banks · 9 branches (37 in holding)

Q2 2026

$2.9BAssets
$2.0BLoans
$2.1BDeposits
$488.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 97% of banks $1B-$10B in assets operating in a single state (rank 8 of 258).
  • Widest gap: net charge-offs / loans trails 81% of banks $1B-$10B in assets operating in a single state (rank 211 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.70%

Rank 8 of 258

Net Interest Margin

3.11%

Rank 198 of 258

Efficiency Ratio

40.59%

Rank 13 of 257

Equity / Assets

16.86%

Rank 10 of 258

Non-interest income vs. expense

$60.4M$60.8MINCOMEEXPENSE
Unfavorable gap of $0.4M · efficiency ratio beats 95% of banks $1B-$10B in assets operating in a single state
Bank 40.59%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.70%0.93%1.23%1.54%Beats 97%8 / 258
Return on Equity15.99%9.26%11.84%14.74%Beats 83%44 / 258
Net Interest Margin3.11%3.16%3.49%3.88%Beats 23%198 / 258
Efficiency Ratio40.59%51.71%60.30%69.65%Beats 95%13 / 257
Asset Quality
Nonperforming Loans / Loans0.54%0.19%0.46%0.90%Beats 41%154 / 258
Net Charge-Offs / Loans0.12%0.01%0.02%0.07%Beats 19%211 / 258
Capital
Tier 1 Capital Ratio13.15%11.41%12.98%15.12%Beats 51%126 / 258
Total Risk-Based Capital Ratio13.86%12.10%13.91%16.08%Beats 49%131 / 258
Equity / Assets16.86%9.09%10.24%11.72%Beats 96%10 / 258
Liquidity & Funding
Loans / Deposits96.95%73.24%86.34%95.95%79th pctl54 / 258
Loans / Assets69.37%63.01%72.27%78.40%40th pctl155 / 258
Brokered Deposits / Depositsn/aNot reported for this institution