BlastPoint's Banking Scorecard

Cedar Rapids Bank and Trust Company

$1B-$10B Specialty: Commercial IA FDIC cert 57244

Designations: ✓ Community bank

Cedar Rapids, IA

9 branches across IA

884 banks in the $1B-$10B peer group nationally 27 in IA

Cedar Rapids Bank and Trust Company has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 8.6% in tier
+ Profitability Leader: Top 17.7% in tier
+ Efficiency Ratio 18.80% below tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 23.2% in tier
- Net Interest Margin 0.24% below tier average

Get updates when Cedar Rapids Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$2.9B +9.3% YoY -0.1% QoQ	+$51.1M	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$2.0B +13.0% YoY +1.7% QoQ	+$30.8M	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	67%
Total Deposits ?	$2.0B +5.1% YoY -0.2% QoQ	-$363.4M	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	2.43% +16.8% YoY -14.1% QoQ	+1.06%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 4.0% in tier
Net Interest Margin ?	3.58% +3.4% YoY +1.0% QoQ	-0.24%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	42.26% -10.3% YoY +5.4% QoQ	-18.80%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 8.6% in tier
Delinquency Rate ?	0.60% +0.3% YoY +11.9% QoQ	-0.29%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	100.80% +7.6% YoY +1.9% QoQ	+16.59%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 11.9% in tier
Non-Interest-Bearing Deposit Share ?	14.04% -5.2% YoY +6.7% QoQ	-7.25%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	0.42% +3.8% YoY +14.0% QoQ	-0.25%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	13.85% -1.3% YoY +0.7% QoQ	-1.31%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.42% +37.5% YoY -82.7% QoQ	+0.16%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Top 7.8% in tier

Get Full Access to Cedar Rapids Bank and Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#20 of 221 • Top 8.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.42%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.43%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#40 of 221 • Top 17.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.43%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#120 of 513 • Bottom 23.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.60%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.43%

Peer Median: 1.37%

#36 of 884 Top 4.0% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.26%

#70 of 884 Top 7.8% in $1B-$10B

Efficiency Ratio

profitability

Value: 42.26%

Peer Median: 61.06%

#77 of 884 Top 8.6% in $1B-$10B

Top Weaknesses (2 metrics)

780

Loan-to-Deposit Ratio

liquidity

Value: 100.80%

Peer Median: 84.20%

#780 of 884 Bottom 11.9% in $1B-$10B

671

Non-Interest-Bearing Deposit Share

funding

Value: 14.04%

Peer Median: 21.29%

#671 of 884 Bottom 24.2% in $1B-$10B