Quad City Bank and Trust Company: how it compares with its peers
Against 17 IA banks with half to twice its assets, Quad City Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($12.0M vs. a $8.9M peer median). Its weakest relative measure is net interest margin (2.90% vs. 3.49%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.50% | 1.30% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.90% | 3.49% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.38% | 51.77% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $8.9M | Top third Ahead of 76% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.27% | 90.84% | Context |
What it means for lending operations
Its efficiency ratio of 53.38% is above the 51.77% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Cedar Rapids Bank and Trust Company Cedar Rapids, IA · $2.90B
- Fidelity Bank & Trust Dubuque, IA · $2.60B
- Northwest Bank Spencer, IA · $3.00B
- United Bank of Iowa Ida Grove, IA · $2.50B
- Bank Iowa West Des Moines, IA · $2.35B
- Luana Savings Bank Luana, IA · $2.34B
Questions about Quad City Bank and Trust Company
How big is Quad City Bank and Trust Company?
Quad City Bank and Trust Company, established in 1994, is headquartered in Bettendorf, IA. It reported $2.77B in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Quad City Bank and Trust Company's return on assets?
1.50% annualized in Q2 2026, against a 1.30% median for 17 IA banks with half to twice its assets, ahead of 71% of them.
What is Quad City Bank and Trust Company's efficiency ratio?
53.38% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 51.77%, and lower is better.
Is Quad City Bank and Trust Company growing its loans?
Net loans shrank 6.6% over the year to Q2 2026, while deposits grew 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.