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

Quad City Bank & Trust Co.

Bettendorf, Iowa · $2.77B in assets · beside the 11 other Iowa banks between $1B and $3B

The filing

79.2%
Loans / deposits
1st of 12
-6.7%
Loans, year over year
11th of 12, largest first
45.9%
CRE / loans
10th of 12

Quad City Bank & Trust Co. is the third largest of the 12 Iowa banks nearest its size between $1B and $3B, with $2.77B in assets at 30 June 2026. Loans are 79.2% of deposits, the lowest in the cohort against a median of 90.3%, and equity is 11.4% of assets, 4th of 12. Loans grew -6.7% in the year, 11th of 12, and deposits grew 3.6%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 0.51% of the book, 8th of 12 against a median of 0.29%; 0.26% is 30 to 89 days past due, and the allowance covers them 2.3 times. Net charge-offs are 0.52% of loans, the highest in the cohort. Commercial real estate is 45.9% of loans, 10th of 12 against a median of 35.2%, and 249% of capital, below the 300% screen, with construction at 79% against the 100% screen.

Return on assets is 1.45%, 3rd of 12 against a median of 1.27%, on an efficiency ratio of 53.4%, 5th of 12. Five years ago it was 1.49%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsIA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 90.3% QC Quad City Bank & Trust Co. 79.2% LS Lincoln Savings Bank 80.3% AB Availa Bank 83.8% FC First Citizens Bank 84.3% UB United Bank of Iowa 85.6% FB Fidelity Bank & Trust 89.5% BI Bank Iowa 91.1% LS Luana Savings Bank 94.7% NB Northwest Bank 95.1% CR Cedar Rapids Bank & Trust Co. 96.9% CS Community State Bank 102.2% CB Central Bank 106.7%
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

Quad City Bank & Trust Co. is the 14th largest 7(a) lender into Iowa of 416, with $41M across 99 loans, 1.4% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 4 of its 7 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
Scott, IA$40M1st of 7320.5%-3.9 pts
Rock Island, IL$6M3rd of 436.6%+1.4 pts
Keokuk, IA$345K4th of 59.6%quiet FY2020
Muscatine, IA$200K14th of 191.1%quiet FY2011
Whiteside, IL$185K19th of 280.7%quiet FY2010
Mcdonough, IL$160K10th of 131.5%thin
Mercer, IL$143K9th of 112.7%quiet FY2016
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
Professional & technical services19$18M38.3%0.06%209th of 1,955
Construction23$5M11.4%0.02%536th of 2,063
Manufacturing15$5M10.7%0.01%680th of 2,246
Real estate & leasing5$4M8.6%0.03%369th of 1,452
Health care & social assistance18$4M8.3%0.01%631st of 2,172
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and Quad City
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 QC Quad City Bank and Trust Company 1.4% $41M · 99 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
Quad CityRankCohort median
Total CRE against capital, the 300% screen249%7th of 12236%
Construction against capital, the 100% screen79%10th of 1248%
Construction and land development, share of loans14.5%11th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans7.0%3rd of 1214.5%
Total CRE, the guidance definition, share of loans45.9%10th of 1235.2%
CRE growth over 36 months, the third prong+8.1%4th 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
Quad CityCohort median
20212026Change20212026Change
Loans$1.58B$1.90B+20%$1.22B$1.83B+50%
Deposits$1.81B$2.39B+32%$1.44B$1.96B+37%
NPA / loans0.26%0.51%+0.25 pts0.42%0.29%-0.13 pts
Efficiency47.3%53.4%+6.1 pts59.3%57.6%-1.7 pts
ROA1.49%1.45%-0.04 pts1.31%1.27%-0.03 pts

This read was prepared for Quad City 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 Quad City 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.qcbt.com

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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