TellerScore

Headquartered in Cedar Rapids, Iowa, Cedar Rapids Bank and Trust Company is a state-chartered bank (fed member) with $2.9B in total assets and $2.1B in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 2001.

Based on its Q2 2026 filing, Cedar Rapids Bank and Trust Company scores 87/100, which we describe as very strong. That is higher than 98% of 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 22nd. Its strongest component is capital cushion (100/100; 16.94%), and its lowest is funding & liquidity (43/100; 96% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.94%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.54%
Earnings100/100
Return on assets (annualized): 2.72%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 95.8% · 34.0% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.13%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 87).

TellerScore
858788Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202486
Q4 202486
Q1 202588
Q2 202587
Q3 202587
Q4 202586
Q1 202685
Q2 202687
Tier 1 leverage ratio
5.00%11.14%17.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.22%
Q3 202416.17%
Q4 202416.40%
Q1 202517.05%
Q2 202517.28%
Q3 202516.81%
Q4 202516.22%
Q1 202616.68%
Q2 202616.94%
Noncurrent loans
0.51%0.63%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.65%
Q4 20240.74%
Q1 20250.59%
Q2 20250.52%
Q3 20250.51%
Q4 20250.53%
Q1 20260.60%
Q2 20260.54%
Return on assets
2.08%2.45%2.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.82%
Q3 20242.69%
Q4 20242.80%
Q1 20252.08%
Q2 20252.20%
Q3 20252.55%
Q4 20252.83%
Q1 20262.43%
Q2 20262.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$2.9B16.94%0.54%2.72%95.8%
Q1 202685$2.9B16.68%0.60%2.43%100.8%
Q4 202586$2.9B16.22%0.53%2.83%98.9%
Q3 202587$2.8B16.81%0.51%2.55%98.9%
Q2 202587$2.7B17.28%0.52%2.20%97.0%
Q1 202588$2.6B17.05%0.59%2.08%93.7%
Q4 202486$2.6B16.40%0.74%2.80%92.2%
Q3 202486$2.6B16.17%0.65%2.69%97.4%
Q2 202486$2.5B16.22%0.72%2.82%99.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.94%
96th
Total risk-based capital13.86%
53rd
Problem loans0.54%
48th
Net charge-offs0.23%
18th
Return on assets2.72%
97th
Net interest margin3.63%
44th
Efficiency ratio40.4%
91st
Loans to deposits95.8%
23rd
Uninsured deposits34.0%
42nd
Loan-loss reserves1.19%
58th
Texas ratio2.1%
68th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Northwest BankBank Spencer, IA70 out of 100, Strong$3.0B10.1%0.23%vs
Quad City Bank and Trust CompanyBank Bettendorf, IA70 out of 100, Strong$2.8B11.0%0.51%vs
Fidelity Bank & TrustBank Dubuque, IA55 out of 100, Moderate$2.6B9.0%1.26%vs
United Bank of IowaBank Ida Grove, IA73 out of 100, Strong$2.5B10.3%0.26%vs
Bank IowaBank West Des Moines, IA54 out of 100, Below average$2.3B8.9%1.38%vs
Luana Savings BankBank Luana, IA70 out of 100, Strong$2.3B9.7%0.11%vs

Deposit insurance

Is my money safe at Cedar Rapids Bank and Trust Company?

Yes. Cedar Rapids Bank and Trust Company is an FDIC-insured institution (FDIC certificate #57244). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.0% of deposits ($704.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.94%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.86% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Cedar Rapids Bank and Trust Company lists 9 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cedar Rapids Bank and Trust Company reported 233 home-loan applications under HMDA (LEI PS6WLKTYGZOKK05G5O59): 189 originated ($640,295,000 total), 12 denied, and 31 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cedar Rapids Bank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
57244
RSSD ID
3029589
Primary regulator
FED
Holding company
Qcr Holdings Inc
Established
September 14, 2001
Headquarters
500 1st Ave Ne, Cedar Rapids, IA 52401
Employees
192

Quick answers

Cedar Rapids Bank and Trust Company: common questions

Is Cedar Rapids Bank and Trust Company FDIC insured?

Yes. Cedar Rapids Bank and Trust Company is an FDIC-insured institution (FDIC certificate #57244). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cedar Rapids Bank and Trust Company's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cedar Rapids Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #57244 in the FDIC failed bank list.

How many branches does Cedar Rapids Bank and Trust Company have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cedar Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Metco Credit UnionCredit union Cedar Rapids, IA92 out of 100, Very strong$58.7M18.8%0.70%vs
Farmers State BankBank Marion, IA91 out of 100, Very strong$1.1B14.4%0.21%vs
The Watkins Savings BankBank Watkins, IA87 out of 100, Very strong$86.7M14.8%0.00%vs
Hills Bank and Trust CompanyBank Hills, IA84 out of 100, Strong$4.8B13.4%0.40%vs
Atkins Savings Bank & TrustBank Atkins, IA83 out of 100, Strong$172.2M11.9%0.05%vs
Mount Vernon Bank and Trust CompanyBank Mount Vernon, IA82 out of 100, Strong$195.5M13.0%0.21%vs