BlastPoint's Banking Scorecard
Cedar Rapids Bank and Trust Company
Community
Specialty: Commercial
IA
FDIC cert 57244
Cedar Rapids, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Cedar Rapids Bank and Trust Company shows strong momentum with 3 strengths and 9.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 6% in Community
- + Profitability Leader: Top 40% in Community
- + Efficiency Ratio 22.53% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+9.9% YoY
+3.7% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.0B
+13.0% YoY
+5.0% QoQ
|
+$987.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.0B
+5.4% YoY
+4.9% QoQ
|
+$819.0M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
2.83%
+0.9% YoY
+11.1% QoQ
|
+1.67% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
3.54%
+5.1% YoY
+0.9% QoQ
|
-0.12% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
40.10%
+2.2% YoY
-4.5% QoQ
|
-22.53% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.54%
-28.6% YoY
+4.7% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
98.94%
+7.3% YoY
+0.0% QoQ
|
+15.88% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.16%
-3.8% YoY
-4.2% QoQ
|
-7.89% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.37%
-26.6% YoY
+6.0% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
13.76%
-0.6% YoY
+0.1% QoQ
|
+3.52% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
2.43%
-13.1% YoY
+62.6% QoQ
|
+1.69% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#22 of 371 · Top 6% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.43%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.83%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#150 of 371 · Top 40% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.83%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.10%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.16%
97
97th pctile
Non-Interest Income / Assets
Current: 2.43% · Tier avg: 0.74%
95
95th pctile
Efficiency Ratio
Current: 40.10% · Tier avg: 62.63%
89
89th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
65
65th pctile
Tier 1 Capital Ratio
Current: 13.76% · Tier avg: 10.24%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
44
44th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.16% · Tier avg: 21.05%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.94% · Tier avg: 83.06%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.94% · Tier avg: 83.06%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.16% · Tier avg: 21.05%
44
44th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.76% · Tier avg: 10.24%
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
95
95th pctile
Efficiency Ratio
Current: 40.10% · Tier avg: 62.63%
97
97th pctile
Non-Interest Income / Assets
Current: 2.43% · Tier avg: 0.74%
99
99th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.16%