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Note 12 - REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Sep. 30, 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 September 30, 2025:
Company:
Total risk-based capital		$	1,343,520		14.03	%	$	765,991	>	8.00	%	$	1,005,363	>	10.50	%	$	957,488	>	10.00	%
Tier 1 risk-based capital			1,039,242		10.85			574,493	>	6.00			813,865	>	8.50			765,991	>	8.00
Tier 1 leverage			1,039,242		11.29			368,209	>	4.00			368,209	>	4.00			460,261	>	5.00
Common equity Tier 1			990,284		10.34			430,870	>	4.50			670,242	>	7.00			622,367	>	6.50
Quad City Bank & Trust:
Total risk-based capital		$	337,105		13.65	%	$	197,552	>	8.00	%	$	259,287	>	10.50	%	$	246,940	>	10.00	%
Tier 1 risk-based capital			308,752		12.50			148,164	>	6.00			209,899	>	8.50			197,552	>	8.00
Tier 1 leverage			308,752		11.17			110,561	>	4.00			110,561	>	4.00			138,202	>	5.00
Common equity Tier 1			308,752		12.50			111,123	>	4.50			172,858	>	7.00			160,511	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital		$	477,756		14.58	%	$	262,055	>	8.00	%	$	343,948	>	10.50	%	$	327,569	>	10.00	%
Tier 1 risk-based capital			450,491		13.75			196,542	>	6.00			278,434	>	8.50			262,055	>	8.00
Tier 1 leverage			450,491		16.81			107,215	>	4.00			107,215	>	4.00			134,019	>	5.00
Common equity Tier 1			450,491		13.75			147,406	>	4.50			229,298	>	7.00			212,920	>	6.50
Community State Bank:
Total risk-based capital		$	205,846		12.52	%	$	131,488	>	8.00	%	$	172,577	>	10.50	%	$	164,360	>	10.00	%
Tier 1 risk-based capital			192,102		11.69			98,616	>	6.00			139,706	>	8.50			131,488	>	8.00
Tier 1 leverage			192,102		11.72			65,538	>	4.00			65,538	>	4.00			81,923	>	5.00
Common equity Tier 1			192,102		11.69			73,962	>	4.50			115,052	>	7.00			106,834	>	6.50
Guaranty Bank:
Total risk-based capital		$	307,907		14.19	%	$	173,542	>	8.00	%	$	227,773	>	10.50	%	$	216,927	>	10.00	%
Tier 1 risk-based capital			281,017		12.95			130,156	>	6.00			184,388	>	8.50			173,542	>	8.00
Tier 1 leverage			281,017		12.19			92,212	>	4.00			92,212	>	4.00			115,266	>	5.00
Common equity Tier 1			281,017		12.95			97,617	>	4.50			151,849	>	7.00			141,003	>	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