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Cedar Rapids Bank and Trust Company
Cedar Rapids, IA·FDIC Cert #57244·Charter: STATE·Est. 20010914.0·HC: QCR HOLDINGS INC
Total Assets
$2.9B
Q4 2025
Return on Assets
2.83%
+0.28%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
40.10%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.83%+0.28
ROE
17.11%+1.75
Efficiency
40.10%-1.88
Equity/Assets
0.00%+0.00
NPL Ratio
0.54%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.94%+0.05
Charge-offs
0.17%-0.06
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 | 2.8 | 2.8 | 2.7 | 2.8 | 2.1 | 2.2 | 2.5 | 2.8 |
| ROE | 20.0 | 19.4 | 18.2 | 18.6 | 12.6 | 13.2 | 15.4 | 17.1 |
| Efficiency | 41.3 | 39.6 | 40.3 | 39.2 | 47.1 | 45.3 | 42.0 | 40.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.7 | 0.8 | 0.6 | 0.5 | 0.5 | 0.5 |
| Charge-offs | 0.0 | -0.0 | 0.1 | 0.1 | 0.3 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 94.3 | 99.5 | 97.4 | 92.2 | 93.7 | 97.0 | 98.9 | 98.9 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.0B
Total Loans$2.0B
Total Equity$469.4M
Profitability
ROA2.83%
ROE17.11%
Efficiency Ratio40.10%
Net Income$76.7M
Risk & Asset Quality
NPL Ratio0.54%
Charge-off Rate0.17%
Loan/Deposit98.94%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans