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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=266 to 267). 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

29

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

96

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 $0.0BQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $1.8B14%Noninterest $0.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.69%2.80%2.08%2.20%2.55%2.83%2.43%2.72%+51 bps
Return on Equity18.19%18.57%12.62%13.23%15.36%17.11%14.74%16.35%+312 bps
Net Interest Margin2.78%2.78%3.03%3.01%3.00%2.87%3.10%3.11%+10 bps
Efficiency Ratio40.25%39.23%47.10%45.29%41.98%40.10%42.26%40.44%-485 bps
Non-Interest Burden-0.54%-0.61%0.77%0.51%0.07%-0.29%0.33%0.01%-50 bps
Growth
Asset Growth (YoY)7.08%4.24%1.41%5.74%5.66%9.95%9.33%8.57%+283 bps
Loan Growth (YoY)-0.41%3.71%6.54%6.67%8.65%12.91%12.86%8.60%+193 bps
Deposit Growth (YoY)2.50%7.66%7.20%9.46%7.07%5.37%5.09%10.12%+66 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.74%0.59%0.52%0.51%0.53%0.60%0.54%+2 bps
Net Charge-Offs / Loans0.08%0.10%0.26%0.25%0.22%0.16%0.23%0.23%-3 bps
Allowance / Loans1.34%1.44%1.38%1.35%1.31%1.32%1.22%1.19%-16 bps
Allowance Coverage of NPLs2.1x1.9x2.3x2.6x2.6x2.5x2.0x2.2x-0.4x
Capital
Tier 1 Leverage Ratio16.17%16.40%17.05%17.28%16.81%16.22%16.68%16.94%-34 bps
Total Risk-Based Capital14.64%14.79%14.92%15.09%14.58%14.61%14.64%13.86%-122 bps
Equity / Assets15.55%16.23%16.73%17.02%16.38%16.35%16.61%16.86%-16 bps
Liquidity & Funding
Loans / Deposits98.75%93.57%95.02%98.30%100.20%100.27%102.04%96.95%-135 bps
Liquid Assets / Assets12.42%10.67%11.68%11.46%12.48%12.03%9.53%9.37%-210 bps
CRE / Total Capitaln/an/an/an/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=266-267) · 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 267).
  • Widest gap: net charge-offs / loans trails 83% of banks $1B-$10B in assets operating in a single state (rank 223 of 267).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.70%

Rank 8 of 267

Net Interest Margin

3.11%

Rank 204 of 267

Efficiency Ratio

40.59%

Rank 12 of 266

Equity / Assets

16.86%

Rank 11 of 267

Non-interest income vs. expense

$60.4M$60.8MINCOMEEXPENSE
Unfavorable gap of $0.4M · efficiency ratio beats 96% of banks $1B-$10B in assets operating in a single state
Bank 40.59%Peer median 60.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.70%0.93%1.23%1.55%Beats 97%8 / 267
Return on Equity15.99%9.16%11.84%14.56%Beats 84%43 / 267
Net Interest Margin3.11%3.12%3.50%3.88%Beats 24%204 / 267
Efficiency Ratio40.59%51.36%60.21%69.66%Beats 96%12 / 266
Asset Quality
Nonperforming Loans / Loans0.54%0.19%0.46%0.89%Beats 41%158 / 267
Net Charge-Offs / Loans0.12%0.01%0.02%0.06%Beats 17%223 / 267
Capital
Tier 1 Capital Ratio13.15%11.29%13.05%15.13%Beats 51%130 / 267
Total Risk-Based Capital Ratio13.86%11.95%13.87%16.27%Beats 49%135 / 267
Equity / Assets16.86%9.18%10.29%11.76%Beats 96%11 / 267
Liquidity & Funding
Loans / Deposits96.95%72.68%86.16%95.22%79th pctl55 / 267
Loans / Assets69.37%62.46%71.96%78.38%40th pctl159 / 267
Brokered Deposits / Depositsn/aNot reported for this institution