TellerScore

Quad City Bank and Trust Company is a state-chartered bank (fed member) headquartered in Bettendorf, Iowa, in business for about 32 years. At the end of Q2 2026 it reported $2.8B in total assets and $2.4B in deposits, with 5 offices across 2 states.

Quad City Bank and Trust Company has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 132nd. Problem-loan coverage contributes the most (94/100, 2.8%); funding & liquidity contributes the least (42/100, 78% loans-to-deposits, 51% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.01%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.51%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 78.3% · 51.0% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.85%

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

From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the earnings component improved by 10 points.

TellerScore
626771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202462
Q1 202566
Q2 202568
Q3 202567
Q4 202565
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%8.35%11.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.11%
Q3 202411.19%
Q4 202411.41%
Q1 202511.56%
Q2 202511.70%
Q3 202511.17%
Q4 202510.65%
Q1 202610.94%
Q2 202611.01%
Noncurrent loans
0.51%0.71%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.66%
Q3 20240.73%
Q4 20240.90%
Q1 20250.90%
Q2 20250.72%
Q3 20250.62%
Q4 20250.67%
Q1 20260.56%
Q2 20260.51%
Return on assets
0.81%1.16%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.81%
Q4 20240.89%
Q1 20251.28%
Q2 20251.26%
Q3 20251.25%
Q4 20251.30%
Q1 20261.34%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$2.8B11.01%0.51%1.50%78.3%
Q1 202671$3.1B10.94%0.56%1.34%74.2%
Q4 202565$2.7B10.65%0.67%1.30%87.1%
Q3 202567$2.8B11.17%0.62%1.25%86.9%
Q2 202568$2.6B11.70%0.72%1.26%86.8%
Q1 202566$2.8B11.56%0.90%1.28%83.9%
Q4 202462$2.6B11.41%0.90%0.89%94.9%
Q3 202462$2.5B11.19%0.73%0.81%93.4%
Q2 202462$2.5B11.11%0.66%0.83%98.9%

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 ratio11.01%
61st
Total risk-based capital15.35%
71st
Problem loans0.51%
50th
Net charge-offs0.50%
8th
Return on assets1.50%
70th
Net interest margin2.90%
13th
Efficiency ratio53.4%
66th
Loans to deposits78.3%
72nd
Uninsured deposits51.0%
9th
Loan-loss reserves1.17%
53rd
Texas ratio2.8%
59th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Fidelity Bank & TrustBank Dubuque, IA55 out of 100, Moderate$2.6B9.0%1.26%vs
Northwest BankBank Spencer, IA70 out of 100, Strong$3.0B10.1%0.23%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 Quad City Bank and Trust Company?

Yes. Quad City Bank and Trust Company is an FDIC-insured institution (FDIC certificate #33867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 51.0% of deposits ($1.2B) 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 11.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.35% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Quad City Bank and Trust Company lists 5 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Quad City Bank and Trust Company reported 117 home-loan applications under HMDA (LEI 549300DWS85AHLUZHB50): 103 originated ($43,735,000 total), 5 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.6%, 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
Quad City Bank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
33867
RSSD ID
2142155
Primary regulator
FED
Holding company
Qcr Holdings Inc
Established
January 7, 1994
Headquarters
2118 Middle Rd, Bettendorf, IA 52722
Employees
231

Quick answers

Quad City Bank and Trust Company: common questions

Is Quad City Bank and Trust Company FDIC insured?

Yes. Quad City Bank and Trust Company is an FDIC-insured institution (FDIC certificate #33867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Quad City Bank and Trust Company's TellerScore?

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

Has Quad City Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #33867 in the FDIC failed bank list.

How many branches does Quad City Bank and Trust Company have?

5 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bettendorf

InstitutionScoreAssetsCapitalProblem loansCompare
Kone Employees Credit UnionCredit union Moline, IL94 out of 100, Very strong$20.7M17.5%0.55%vs
Blue Grass Savings BankBank Blue Grass, IA89 out of 100, Very strong$225.5M14.3%0.34%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Liberty Trust & Savings BankBank Durant, IA86 out of 100, Very strong$186.2M20.7%0.86%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs