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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Iowa, the state note

Cedar Rapids Bank & Trust Co.

Cedar Rapids, Iowa · $2.90B in assets · beside the 11 other Iowa banks between $1B and $3B

The filing

16.9%
Equity / assets
1st of 12
2.71%
ROA
1st of 12
40.6%
Efficiency
1st of 12

Cedar Rapids Bank & Trust Co. is the second largest of the 12 Iowa banks nearest its size between $1B and $3B, with $2.90B in assets at 30 June 2026. Loans are 96.9% of deposits, 10th of 12 against a median of 90.3%, and equity is 16.9% of assets, the highest in the cohort. Loans grew +8.6% in the year, 2nd of 12, and deposits grew 10.1%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 0.54% of the book, 9th of 12 against a median of 0.29%; 0.06% is 30 to 89 days past due, and the allowance covers them 2.2 times. Net charge-offs are 0.23% of loans, 11th of 12. Commercial real estate is 56.6% of loans, 11th of 12 against a median of 35.2%, and 223% of capital, below the 300% screen, with construction at 47% against the 100% screen.

Return on assets is 2.71%, the highest in the cohort against a median of 1.27%, on an efficiency ratio of 40.6%, the lowest in the cohort. Five years ago it was 2.41%. The question is what the capital is for: the balance sheet carries less risk than it could.

Return on assetsIA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.27% CR Cedar Rapids Bank & Trust Co. 2.71% FC First Citizens Bank 2.06% QC Quad City Bank & Trust Co. 1.45% NB Northwest Bank 1.34% CS Community State Bank 1.32% FB Fidelity Bank & Trust 1.28% BI Bank Iowa 1.27% UB United Bank of Iowa 1.26% CB Central Bank 0.95% LS Luana Savings Bank 0.95% AB Availa Bank 0.93% LS Lincoln Savings Bank -1.02%
Loans, year over yearIA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.7% FB Fidelity Bank & Trust +38.4% CR Cedar Rapids Bank & Trust Co. +8.6% LS Luana Savings Bank +8.5% BI Bank Iowa +7.1% CS Community State Bank +7.0% AB Availa Bank +5.9% CB Central Bank +5.5% NB Northwest Bank +5.0% UB United Bank of Iowa +4.9% FC First Citizens Bank -3.0% QC Quad City Bank & Trust Co. -6.7% LS Lincoln Savings Bank -8.9%

SBA 7(a), FY2008 to FY2026

Cedar Rapids Bank & Trust Co. is the 1st largest 7(a) lender into Iowa of 416, with $126M across 289 loans, 4.4% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 22 of its 31 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Iowa, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Linn, IA$81M1st of 8325.7%-12.9 pts
Johnson, IA$9M3rd of 677.0%thin
Black Hawk, IA$8M3rd of 486.8%thin
Polk, IA$5M32nd of 1770.7%quiet FY2011
Vigo, IN$5M5th of 435.1%quiet FY2015
Jefferson, IA$3M1st of 1327.7%quiet FY2018
Des Moines, IA$3M3rd of 1613.7%quiet FY2016
Chickasaw, IA$3M3rd of 726.0%quiet FY2016
Creek, OK$3M14th of 472.5%quiet FY2020
Shelby, TN$2M66th of 1390.3%thin
Benton, IA$2M3rd of 2110.6%thin
Poweshiek, IA$2M2nd of 1418.3%quiet FY2009
Cedar, IA$2M2nd of 2314.3%thin
18 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing48$32M23.5%0.08%211th of 2,246
Wholesale trade27$27M19.5%0.10%156th of 1,651
Construction59$24M17.6%0.08%201st of 2,063
Professional & technical services18$9M6.3%0.03%317th of 1,955
Accommodation & food services33$8M5.8%0.01%650th of 2,596
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and Cedar Rapids
CR Cedar Rapids Bank and Trust Compa… 4.4% $126M · 289 loans LS Lincoln Savings Bank 3.9% $113M · 191 loans WF Wells Fargo Bank National Associa… 3.4% $97M · 411 loans FI First Interstate Bank 3.2% $92M · 181 loans LO Live Oak Banking Company 2.9% $85M · 74 loans UB U.S. Bank, National Association 2.8% $82M · 774 loans NB Northwest Bank 2.7% $79M · 233 loans Fa Farmers and Merchants Savings Bank 2.6% $76M · 148 loans FS Farmers State Bank 2.1% $61M · 277 loans BT Bankers Trust Company 2.1% $60M · 199 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Cedar RapidsRankCohort median
Total CRE against capital, the 300% screen223%6th of 12236%
Construction against capital, the 100% screen47%6th of 1248%
Construction and land development, share of loans11.9%10th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans9.5%4th of 1214.5%
Total CRE, the guidance definition, share of loans56.6%11th of 1235.2%
CRE growth over 36 months, the third prong+27.1%7th of 12+23.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Northwest Bank$3.00B1.3%57.9%0.23%0.04%1.3%95.1%9.8%
Cedar Rapids Bank & Trust Co.$2.90B2.7%40.6%0.54%0.23%1.2%96.9%16.9%
Quad City Bank & Trust Co.$2.77B1.5%53.4%0.51%0.52%1.2%79.2%11.4%
Fidelity Bank & Trust$2.60B1.3%50.8%1.26%0.01%1.1%89.5%10.3%
United Bank of Iowa$2.50B1.3%57.3%0.26%-0.01%1.4%85.6%9.2%
Bank Iowa$2.35B1.3%63.4%1.38%0.07%1.4%91.1%8.6%
Luana Savings Bank$2.34B0.9%47.6%0.11%0.00%1.0%94.7%9.1%
Central Bank$2.29B1.0%70.5%0.32%0.00%1.0%106.7%10.3%
First Citizens Bank$1.80B2.1%46.2%0.16%0.14%1.4%84.3%11.4%
Community State Bank$1.75B1.3%59.7%0.19%-0.01%1.0%102.2%11.6%
Availa Bank$1.73B0.9%61.4%0.26%0.04%1.2%83.8%9.0%
Lincoln Savings Bank$1.71B-1.0%88.3%4.32%0.00%1.5%80.3%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cedar RapidsCohort median
20212026Change20212026Change
Loans$1.36B$2.01B+48%$1.22B$1.83B+50%
Deposits$1.40B$2.08B+49%$1.44B$1.96B+37%
NPA / loans0.31%0.54%+0.23 pts0.42%0.29%-0.13 pts
Efficiency46.1%40.6%-5.5 pts59.3%57.6%-1.7 pts
ROA2.41%2.71%+0.30 pts1.31%1.27%-0.03 pts

This read was prepared for Cedar Rapids Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cedar Rapids Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IA banks $1B to $3B
Institution www.CRBT.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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