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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

5.07%Q2 ’244.99%Q2 ’254.89%Q2 ’26+7%+4%

Non-interest income vs. expense

2.30%Q2 ’242.17%Q2 ’252.21%Q2 ’26+130%-215%

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 3.00%, up 67 bps year over year; NIM at 3.16%.
  • 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 (quarter, annualized)

3.00%+67 bps YoY

Net Interest Margin (quarter, annualized)

3.16%+11 bps YoY

Efficiency Ratio (quarter, annualized)

38.93%-485 bps YoY

Tier 1 Leverage Ratio

16.94%-34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.33%3.23%3.64%2.43%3.00%+67 bps
Return on Equity13.82%19.35%22.25%14.74%17.95%+413 bps
Net Interest Margin3.05%3.10%3.08%3.10%3.16%+11 bps
Efficiency Ratio43.77%37.20%36.32%42.26%38.93%-485 bps
Non-Interest Burden0.27%-0.78%-1.38%0.33%-0.30%-57 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%0.18%0.00%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