Regulatory profile
Bettendorf, IA · FDIC certificate #33867 · RSSD 2142155
QUAD CITY BANK&TRUST CO is an FDIC-insured institution based in Bettendorf, IA (FDIC certificate #33867). In its Q3 2026 Call Report it reported total assets of $2.7B, total deposits of $2.2B and net loans of $1.9B. Its primary federal regulator is FED. Its current parent is QCR HOLDINGS, INC..
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QUAD CITY BANK&TRUST CO is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: QUAD CITY BANK&TRUST CO reported 0.061, in the 70.1th percentile of 890 peers, where the median is 0.016. Common equity tier 1 ratio: QUAD CITY BANK&TRUST CO reported 0.143, in the 62.2th percentile of 673 peers, where the median is 0.135. Selected CRE loans to gross loans and leases: QUAD CITY BANK&TRUST CO reported 0.528, in the 66.3th percentile of 862 peers, where the median is 0.468. Selected CRE loans to total capital: QUAD CITY BANK&TRUST CO reported 2.868, in the 45.9th percentile of 659 peers, where the median is 2.970. Domestic secured CRE noncurrent ratio: QUAD CITY BANK&TRUST CO reported 0.000, in the 0.0th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: QUAD CITY BANK&TRUST CO reported 0.863, in the 60.4th percentile of 902 peers, where the median is 0.850. Unadjusted YTD efficiency ratio: QUAD CITY BANK&TRUST CO reported 0.534, in the 31.7th percentile of 887 peers, where the median is 0.596. Bank equity to assets: QUAD CITY BANK&TRUST CO reported 0.114, in the 66.0th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: QUAD CITY BANK&TRUST CO reported 0.208, in the 50.4th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: QUAD CITY BANK&TRUST CO reported -0.074, in the 0.6th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: QUAD CITY BANK&TRUST CO reported 0.675, in the 30.0th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: QUAD CITY BANK&TRUST CO reported 0.792, in the 28.1th percentile of 890 peers, where the median is 0.881. Net interest margin: QUAD CITY BANK&TRUST CO reported 2.901, in the 12.5th percentile of 902 peers, where the median is 3.704. Net loans and leases: QUAD CITY BANK&TRUST CO reported 1873664.000, in the 63.7th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: QUAD CITY BANK&TRUST CO reported 0.005, in the 52.3th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: QUAD CITY BANK&TRUST CO reported 0.005, in the 49.1th percentile of 887 peers, where the median is 0.005. Return on assets: QUAD CITY BANK&TRUST CO reported 1.504, in the 69.5th percentile of 902 peers, where the median is 1.260. Return on equity: QUAD CITY BANK&TRUST CO reported 13.890, in the 64.8th percentile of 894 peers, where the median is 12.185. Securities to assets: QUAD CITY BANK&TRUST CO reported 0.125, in the 41.2th percentile of 895 peers, where the median is 0.147. Selected unused commitments to assets: QUAD CITY BANK&TRUST CO reported 0.026, in the 51.9th percentile of 417 peers, where the median is 0.025. Time deposits maturing within one year: QUAD CITY BANK&TRUST CO reported 0.818, in the 25.5th percentile of 880 peers, where the median is 0.914. Total assets: QUAD CITY BANK&TRUST CO reported 2774878.000, in the 65.6th percentile of 902 peers, where the median is 2016575.000. Total deposits: QUAD CITY BANK&TRUST CO reported 2393789.000, in the 67.9th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): QUAD CITY BANK&TRUST CO reported 0.506, in the 24.1th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): QUAD CITY BANK&TRUST CO reported 0.028, in the 9.3th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.052, in the 51.0st percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.024, in the 86.5th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: QUAD CITY BANK&TRUST CO reported 0.029, in the 15.4th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.009, in the 73.9th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.019, in the 16.8th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: QUAD CITY BANK&TRUST CO reported 0.001, in the 42.8th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: QUAD CITY BANK&TRUST CO reported 0.018, in the 63.3th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.018, in the 62.7th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.015, in the 66.0th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.015, in the 69.0th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.958, in the 55.1th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.760, in the 67.5th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: QUAD CITY BANK&TRUST CO reported 0.055, in the 48.6th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: QUAD CITY BANK&TRUST CO reported 0.030, in the 15.3th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: QUAD CITY BANK&TRUST CO reported 0.005, in the 92.1th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: QUAD CITY BANK&TRUST CO reported 0.003, in the 48.0th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: QUAD CITY BANK&TRUST CO reported 0.783, in the 28.2th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: QUAD CITY BANK&TRUST CO reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: QUAD CITY BANK&TRUST CO reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: QUAD CITY BANK&TRUST CO reported -0.000, in the 11.6th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): QUAD CITY BANK&TRUST CO reported 0.018, in the 57.7th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): QUAD CITY BANK&TRUST CO reported 0.015, in the 66.0th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): QUAD CITY BANK&TRUST CO reported 0.139, in the 64.4th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: QUAD CITY BANK&TRUST CO reported 0.510, in the 91.7th percentile of 829 peers, where the median is 0.310.
Peer history below covers 43 quarters of QUAD CITY BANK&TRUST CO's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.061 | 0.016 | 70.1th | 890 |
| Common equity tier 1 ratio | 0.143 | 0.135 | 62.2th | 673 |
| Selected CRE loans to gross loans and leases | 0.528 | 0.468 | 66.3th | 862 |
| Selected CRE loans to total capital | 2.868 | 2.970 | 45.9th | 659 |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.003 | 0.0th | 872 |
| Deposit funding ratio | 0.863 | 0.850 | 60.4th | 902 |
| Unadjusted YTD efficiency ratio | 0.534 | 0.596 | 31.7th | 887 |
| Bank equity to assets | 0.114 | 0.104 | 66.0th | 894 |
| Cash and securities to assets | 0.208 | 0.208 | 50.4th | 895 |
| Quarterly loan growth | -0.074 | 0.018 | 0.6th | 886 |
| Loan-to-asset ratio | 0.675 | 0.732 | 30.0th | 902 |
| Domestic loans to domestic deposits | 0.792 | 0.881 | 28.1th | 890 |
| Net interest margin | 2.901 | 3.704 | 12.5th | 902 |
| Net loans and leases | 1873664.000 | 1384981.000 | 63.7th | 902 |
| Nonaccrual loans ratio | 0.005 | 0.005 | 52.3th | 887 |
| Noncurrent loans ratio | 0.005 | 0.005 | 49.1th | 887 |
| Return on assets | 1.504 | 1.260 | 69.5th | 902 |
| Return on equity | 13.890 | 12.185 | 64.8th | 894 |
| Securities to assets | 0.125 | 0.147 | 41.2th | 895 |
| Selected unused commitments to assets | 0.026 | 0.025 | 51.9th | 417 |
| Time deposits maturing within one year | 0.818 | 0.914 | 25.5th | 880 |
| Total assets | 2774878.000 | 2016575.000 | 65.6th | 902 |
| Total deposits | 2393789.000 | 1666886.000 | 67.9th | 902 |
| Efficiency ratio (official UBPR) | 0.506 | 0.591 | 24.1th | 875 |
| Net interest margin (official UBPR) | 0.028 | 0.036 | 9.3th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.052 | 0.052 | 51.0st | 875 |
| Interest Expense as a percent of Average Assets | 0.024 | 0.018 | 86.5th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.029 | 0.035 | 15.4th | 875 |
| Noninterest Income as a percent of Average Assets | 0.009 | 0.006 | 73.9th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.019 | 0.024 | 16.8th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.001 | 0.001 | 42.8th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.018 | 0.016 | 63.3th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.018 | 0.016 | 62.7th | 875 |
| Net Operating Income as a percent of Average Assets | 0.015 | 0.013 | 66.0th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.015 | 0.012 | 69.0th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.958 | 0.956 | 55.1th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.760 | 0.723 | 67.5th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.055 | 0.055 | 48.6th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.030 | 0.037 | 15.3th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.005 | 0.000 | 92.1th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.003 | 0.003 | 48.0th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.783 | 0.872 | 28.2th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | -0.000 | 0.000 | 11.6th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.018 | 0.017 | 57.7th | 875 |
| Return on assets (official UBPR) | 0.015 | 0.013 | 66.0th | 875 |
| Return on equity (official UBPR) | 0.139 | 0.122 | 64.4th | 874 |
| Estimated uninsured to domestic deposits | 0.510 | 0.310 | 91.7th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net loansLNLSNET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on assetsROA | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on equityROE | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net interest marginNIMY | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | < P25 | < P25 | < P25 | < P25 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.