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Cedar Rapids Bank And Trust Company
Cedar Rapids, IA · FDIC Certificate #57244 · Chartered 09/1
Total assets
$2.90B
Total deposits
$2.08B
Total equity
$488.86M
Net loans
$1.99B
Branches (offices)
9
Net income (YTD)
$39.09M
Rank: #440 of 4,213 U.S. banks by assets · #6 of 225 in Iowa. Assets changed 8.6% and deposits 10.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.72% |
| Return on equity | 16.35% |
| Net interest margin (YTD) | 3.63% |
| Equity to assets | 16.86% |
| Tier 1 leverage ratio | 16.94% |
| Uninsured deposits (share of deposits) | 34.0% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 72.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.43B | 72.1% | |
| Commercial & industrial | $478.43M | 24.1% | |
| Consumer / individual | $5.01M | 0.3% | |
| Construction & development | $239.42M | 12.0% | |
| Agricultural | $262.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.98B | $1.49B | $24.39M | $253.64M |
| Jun 2023 | $2.43B | $1.79B | $35.75M | $314.38M |
| Jun 2024 | $2.53B | $1.72B | $35.78M | $386.64M |
| Jun 2025 | $2.67B | $1.88B | $29.04M | $454.52M |
| Jun 2026 | $2.90B | $2.08B | $39.09M | $488.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $2.08B | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.08B.
Similar-sized banks
Wayne Bank ($2.91B) · National Exchange Bank And Trust ($2.89B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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