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Quad City Bank and Trust Company
Bettendorf, IA·FDIC Cert #33867·Charter: STATE·Est. 19940107.0·HC: QCR HOLDINGS INC
Total Assets
$2.7B
Q4 2025
Return on Assets
1.30%
+0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.27%
Peer avg: 58.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.30%+0.05
ROE
11.86%+0.37
Efficiency
55.27%+0.31
Equity/Assets
0.00%+0.00
NPL Ratio
0.68%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.05%+0.13
Charge-offs
0.59%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.9 | 1.3 | 1.3 | 1.2 | 1.3 |
| ROE | 7.5 | 7.9 | 7.7 | 8.3 | 12.0 | 11.6 | 11.5 | 11.9 |
| Efficiency | 62.0 | 60.4 | 62.5 | 61.6 | 54.5 | 54.3 | 55.0 | 55.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.7 | 0.7 | 0.9 | 0.9 | 0.7 | 0.6 | 0.7 |
| Charge-offs | 0.6 | 0.5 | 0.5 | 0.4 | 0.5 | 0.7 | 0.6 | 0.6 |
| Loan/Deposit | 93.3 | 98.9 | 93.4 | 94.9 | 83.9 | 86.8 | 86.9 | 87.1 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.3B
Total Loans$2.0B
Total Equity$303.8M
Profitability
ROA1.30%
ROE11.86%
Efficiency Ratio55.27%
Net Income$34.9M
Risk & Asset Quality
NPL Ratio0.68%
Charge-off Rate0.59%
Loan/Deposit87.05%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans