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Note 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2025

LOANS/LEASES RECEIVABLE

Schedule of the company and the subsidiary banks actual capital amounts and ratios


												For Capital Adequacy					To Be Well Capitalized
							For Capital					Purposes With Capital					Under Prompt Corrective
		Actual					Adequacy Purposes					Conservation Buffer					Action Provisions
		Amount			Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio

		( dollars in thousands)
As of March 31, 2025:
Company:
Total risk-based capital		$	1,286,554		14.18	%	$	725,744	>	8.00	%	$	952,540	>	10.50	%	$	907,181	>	10.00	%
Tier 1 risk-based capital			980,579		10.81			544,308	>	6.00			771,104	>	8.50			725,744	>	8.00
Tier 1 leverage			980,579		11.06			354,606	>	4.00			354,606	>	4.00			443,257	>	5.00
Common equity Tier 1			931,686		10.27			408,231	>	4.50			635,026	>	7.00			589,667	>	6.50
Quad City Bank & Trust:
Total risk-based capital		$	331,837		13.98	%	$	189,914	>	8.00	%	$	249,262	>	10.50	%	$	237,393	>	10.00	%
Tier 1 risk-based capital			302,140		12.73			142,436	>	6.00			201,784	>	8.50			189,914	>	8.00
Tier 1 leverage			302,140		11.56			104,509	>	4.00			104,509	>	4.00			130,636	>	5.00
Common equity Tier 1			302,140		12.73			106,827	>	4.50			166,175	>	7.00			154,305	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital		$	465,533		14.92	%	$	249,628	>	8.00	%	$	327,637	>	10.50	%	$	312,035	>	10.00	%
Tier 1 risk-based capital			437,939		14.03			187,221	>	6.00			265,230	>	8.50			249,628	>	8.00
Tier 1 leverage			437,939		17.05			102,745	>	4.00			102,745	>	4.00			128,431	>	5.00
Common equity Tier 1			437,939		14.03			140,416	>	4.50			218,424	>	7.00			202,823	>	6.50
Community State Bank:
Total risk-based capital		$	195,109		12.97	%	$	120,301	>	8.00	%	$	157,895	>	10.50	%	$	150,376	>	10.00	%
Tier 1 risk-based capital			180,915		12.03			90,226	>	6.00			127,820	>	8.50			120,301	>	8.00
Tier 1 leverage			180,915		11.74			61,635	>	4.00			61,635	>	4.00			77,044	>	5.00
Common equity Tier 1			180,915		12.03			67,669	>	4.50			105,263	>	7.00			97,745	>	6.50
Guaranty Bank:
Total risk-based capital		$	302,258		14.70	%	$	164,469	>	8.00	%	$	215,866	>	10.50	%	$	205,586	>	10.00	%
Tier 1 risk-based capital			277,260		13.49			123,352	>	6.00			174,748	>	8.50			164,469	>	8.00
Tier 1 leverage			277,260		12.55			88,404	>	4.00			88,404	>	4.00			110,505	>	5.00
Common equity Tier 1			277,260		13.49			92,514	>	4.50			143,910	>	7.00			133,631	>	6.50


												For Capital Adequacy					To Be Well Capitalized
							For Capital					Purposes With Capital					Under Prompt Corrective
		Actual					Adequacy Purposes					Conservation Buffer					Action Provisions
		Amount			Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio

		( dollars in thousands)
As of December 31, 2024:
Company:
Total risk-based capital		$	1,273,903		14.10	%	$	723,016	>	8.00	%	$	948,958	>	10.50	%	$	903,770	>	10.00	%
Tier 1 risk-based capital			955,039		10.57			542,262	>	6.00			768,204	>	8.50			723,016	>	8.00
Tier 1 leverage			955,039		10.73			356,091	>	4.00			356,091	>	4.00			445,114	>	5.00
Common equity Tier 1			906,179		10.03			406,696	>	4.50			632,639	>	7.00			587,450	>	6.50
Quad City Bank & Trust:
Total risk-based capital		$	323,221		13.65	%	$	189,365	>	8.00	%	$	248,541	>	10.50	%	$	236,706	>	10.00	%
Tier 1 risk-based capital			293,597		12.40			142,024	>	6.00			201,200	>	8.50			189,365	>	8.00
Tier 1 leverage			293,597		11.41			102,969	>	4.00			102,969	>	4.00			128,712	>	5.00
Common equity Tier 1			293,597		12.40			106,518	>	4.50			165,694	>	7.00			153,859	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital		$	452,942		14.79	%	$	245,055	>	8.00	%	$	321,635	>	10.50	%	$	306,319	>	10.00	%
Tier 1 risk-based capital			424,253		13.85			183,792	>	6.00			260,371	>	8.50			245,055	>	8.00
Tier 1 leverage			424,253		16.40			103,449	>	4.00			103,449	>	4.00			129,312	>	5.00
Common equity Tier 1			424,253		13.85			137,844	>	4.50			214,424	>	7.00			199,108	>	6.50
Community State Bank:
Total risk-based capital		$	189,362		12.94	%	$	117,065	>	8.00	%	$	153,648	>	10.50	%	$	146,332	>	10.00	%
Tier 1 risk-based capital			176,646		12.07			87,799	>	6.00			124,382	>	8.50			117,065	>	8.00
Tier 1 leverage			176,646		11.72			60,305	>	4.00			60,305	>	4.00			75,382	>	5.00
Common equity Tier 1			176,646		12.07			65,849	>	4.50			102,432	>	7.00			95,115	>	6.50
Guaranty Bank:
Total risk-based capital		$	297,047		14.26	%	$	166,695	>	8.00	%	$	218,787	>	10.50	%	$	208,369	>	10.00	%
Tier 1 risk-based capital			272,621		13.08			125,021	>	6.00			177,113	>	8.50			166,695	>	8.00
Tier 1 leverage			272,621		12.15			89,770	>	4.00			89,770	>	4.00			112,213	>	5.00
Common equity Tier 1			272,621		13.08			93,766	>	4.50			145,858	>	7.00			135,440	>	6.50