BlastPoint's Banking Scorecard
Quad City Bank and Trust Company
Designations: ✓ Community bank
Bettendorf, IA
5 branches across IA · IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
- Deposits +3.6% year over year ($2.4B on the books).
- Delinquency rate 0.51%.
- Return on assets 1.50%.
- Efficiency ratio 53.38% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.27% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Quad City Bank and Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Efficiency Ratio 6.34% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+4.8% YoY
-10.3% QoQ
|
-$18.4M |
$2.8B
-0.6% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$1.9B
-6.6% YoY
-7.4% QoQ
|
-$89.6M |
$2.0B
-0.3% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$2.4B
+3.6% YoY
-12.2% QoQ
|
+$75.0M |
$2.3B
-0.5% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
1.50%
+19.2% YoY
+12.4% QoQ
|
+0.11% |
1.39%
+17.0% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
2.90%
-3.4% YoY
+1.6% QoQ
|
-0.97% |
3.87%
+6.2% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio ? |
53.38%
-1.7% YoY
-1.1% QoQ
|
-6.34% |
59.73%
-12.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
0.51%
-30.2% YoY
-9.0% QoQ
|
-0.35% |
0.87%
+11.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
78.27%
-9.8% YoY
+5.5% QoQ
|
-6.76% |
85.04%
-0.1% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
13.35%
+6.3% YoY
+14.8% QoQ
|
-7.92% |
21.27%
-1.5% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.35%
-38.0% YoY
-6.1% QoQ
|
-0.33% |
0.67%
+11.7% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.29%
+9.1% YoY
+10.8% QoQ
|
-0.55% |
14.84%
-0.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.46%
+15.0% YoY
+139.5% QoQ
|
-0.07% |
0.53%
+2.5% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
77% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.4%
+0.8pp YoY +1.7pp QoQ |
-8.0pp | 21.4% | 17.8% | 22.2% | 20% |
| Brokered Deposits |
6.1%
-10.0pp YoY -3.6pp QoQ |
-3.3pp | 9.5% | 6.0% | 8.5% | 54% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.8%
-5.9pp YoY -2.4pp QoQ |
+4.8pp | 14.0% | 12.8% | 12.5% | 78% |
| CRE |
54.4%
+2.9pp YoY +0.3pp QoQ |
+4.4pp | 50.0% | 28.3% | 41.4% | 63% |
| 1-4 Family |
15.3%
+1.2pp YoY +1.1pp QoQ |
-11.1pp | 26.4% | 23.0% | 31.3% | 32% |
| Consumer |
0.5%
+0.1pp YoY 0.0pp QoQ |
-4.2pp | 4.7% | 2.9% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.3%
+1.2pp YoY +1.4pp QoQ |
-1.3pp | 15.6% | 15.4% | 19.7% | 62% |
| Leverage Ratio |
11.0%
-0.7pp YoY +0.1pp QoQ |
-0.3pp | 11.3% | 12.4% | 12.6% | 60% |
| Total Capital Ratio |
15.3%
+1.0pp YoY +1.4pp QoQ |
-1.3pp | 16.7% | 16.5% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
231
-8 (-3.3%) YoY -8 (-3.3%) QoQ |
-83 | 313 | 64 | 482 | 48% |
| Assets per Employee ($) |
$12.0M
+8.4% YoY -7.2% QoQ |
+$1.5M | $10.5M | $8.9M | $8.8M | 78% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 5 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.4% | 0.4% | 20% |
| Nonaccrual |
0.5%
-0.2pp YoY -0.1pp QoQ |
-0.3pp | 0.8% | 1.0% | 1.0% | 50% |
| Allowance Coverage |
2.31x
+26.6% YoY +6.3% QoQ |
-16.40x | 18.71x | 18.97x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.5%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 0.3% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+2.3pp YoY +1.2pp QoQ |
+1.3pp | 12.6% | 12.8% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.6%
-0.2pp YoY +0.1pp QoQ |
+0.7pp | 1.9% | 1.8% | 1.7% | 87% |
| Net Income ($, YTD) |
$21.5M
+27.9% YoY — QoQ |
+$2.2M | $19.2M | $4.0M | $40.4M | 72% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.