# QUAD CITY BANK&TRUST CO
BETTENDORF, IA · FDIC certificate 33867 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.77B | |
| Deposits | $2.39B | |
| Loans and leases | $1.90B | |
| Total equity | $315.3M | |
| Loans / deposits | 78.27% (p29 of band) | 87.10% |
| Liquid assets / assets | 28.01% (p72 of band) | |
| Uninsured deposits / deposits | 50.97% (p92 of band) | 30.76% |
| Brokered deposits | 5.30% | |
| Wholesale funding | 6.52% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.01% (p61 of band) | 10.50% |
| Unrealized securities loss / equity | -10.72% (p38 of band) | -7.75% |
| AOCI / equity | 0.02% (p80 of band) | |
| ROA (annualized) | 1.50% (p70 of band) | 1.26% |
| Net interest margin | 2.90% (p13 of band) | 3.70% |
| Efficiency ratio | 53.38% (p34 of band) | |
| Noncurrent loans | 0.51% (p50 of band) | 0.51% |
| Net charge-offs (annualized) | 0.35% (p92 of band) | |
| Reserve coverage of noncurrent | 230.90% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 87.09% (p82 of band) | |
| Auto loans | $2.0M (0.10% of loans; DQ 1.21%, NCO 0.00%) | |
| Loans to nondepository financials | $71.8M (23% of equity) (p93 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 231 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 | uninsured deposits leaving | capital falling |
| 2012-06 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | reserve under noncurrent |  |
| 2013-06 | 4 | loans-to-lenders >50% equity |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 3 | uninsured deposits >50% | reserve under noncurrent |
| 2014-03 | 4 | capital falling |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 4 | reserve under noncurrent |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 3 |  | loans-to-lenders >50% equity |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 3 | charge-offs p90 |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | brokered >10% |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 | reserve under noncurrent | charge-offs p90 |
| 2017-12 | 4 | charge-offs p90 | reserve under noncurrent |
| 2018-03 | 3 |  | charge-offs p90 |
| 2018-06 | 2 | charge-offs p90 | wholesale funding >15%, brokered >10% |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 1 | uninsured deposits leaving | uninsured deposits >50% |
| 2019-03 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2019-06 | 2 | uninsured deposits leaving |  |
| 2019-09 | 2 | uninsured deposits >50%, run vulnerability | charge-offs p90, uninsured deposits leaving |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | charge-offs p90 | run vulnerability |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 2 | charge-offs p90 |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 5 | construction >100% equity, deposits shrinking, assets shrinking |  |
| 2021-12 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | run vulnerability |  |
| 2022-09 | 3 | loans exceed deposits, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2022-12 | 6 | uninsured deposits >50%, run vulnerability, charge-offs p90, deposits shrinking | uninsured deposits leaving |
| 2023-03 | 2 |  | loans exceed deposits, uninsured deposits >50%, run vulnerability, deposits shrinking |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | loans exceed deposits |  |
| 2023-12 | 4 | wholesale funding >15% |  |
| 2024-03 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2024-06 | 5 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2024-09 | 2 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2024-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2025-03 | 3 |  | wholesale funding >15% |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | brokered >10% |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 | uninsured deposits >50% | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33867 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "33867", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide