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
Unfavorable gap of $0.4M · efficiency ratio beats 95% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.70% | 0.93% | 1.23% | 1.54% | Beats 97% | 8 / 258 | |
| Return on Equity | 15.99% | 9.26% | 11.84% | 14.74% | Beats 83% | 44 / 258 | |
| Net Interest Margin | 3.11% | 3.16% | 3.49% | 3.88% | Beats 23% | 198 / 258 | |
| Efficiency Ratio | 40.59% | 51.71% | 60.30% | 69.65% | Beats 95% | 13 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.19% | 0.46% | 0.90% | Beats 41% | 154 / 258 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.02% | 0.07% | Beats 19% | 211 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 11.41% | 12.98% | 15.12% | Beats 51% | 126 / 258 | |
| Total Risk-Based Capital Ratio | 13.86% | 12.10% | 13.91% | 16.08% | Beats 49% | 131 / 258 | |
| Equity / Assets | 16.86% | 9.09% | 10.24% | 11.72% | Beats 96% | 10 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 96.95% | 73.24% | 86.34% | 95.95% | 79th pctl | 54 / 258 | |
| Loans / Assets | 69.37% | 63.01% | 72.27% | 78.40% | 40th pctl | 155 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |