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Quad City Bank And Trust Company

IDRSSD: 2142155
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q3QoQ +3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #2142155 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.76% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +8
65
Sub-score

Liquidity is stable: brokered 10.1%, loans/deposits 93.4%, cash 2.8% of assets.

Cash / Assets
2.76%
Loans / Deposits
93.41%
Brokered %
10.11%

Watch Items

  • infoCash / Assets below 3% — Cash 2.76% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.07%
No watch items at this period.

Capitalization

StableQoQ +3
79
Sub-score

Capital position is stable: Tier 1 RBC 11.97%, CET1 11.97%, leverage 11.17%.

Tier 1 RBC
11.97%
CET1
11.97%
Leverage
11.17%
No watch items at this period.

Asset Quality

StrongQoQ +2
94
Sub-score

Asset quality is strong: Adjusted NPL 0.74%, Texas Ratio 4.8%, NCO YTD 0.45%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.45%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
99
Sub-score

Reserves are strong: ALLL 1.47% of loans, coverage 200.6%, true coverage 200.6%.

ALLL / Loans
1.47%
Coverage
200.6%
True Loss Coverage
200.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:36:32 UTC