NOTE 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2026

Notes Tables

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, 2026:
Company:
Total risk-based capital	$	1,363,858	14.00	%	$	779,180	>	8.00	%	$	1,022,674	>	10.50	%	$	973,976	>	10.00	%
Tier 1 risk-based capital		1,075,998	11.05			584,385	>	6.00			827,879	>	8.50			779,180	>	8.00
Tier 1 leverage		1,075,998	11.44			376,080	>	4.00			376,080	>	4.00			470,100	>	5.00
Common equity Tier 1		1,026,974	10.54			438,289	>	4.50			681,783	>	7.00			633,084	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	344,898	13.97	%	$	197,463	>	8.00	%	$	259,170	>	10.50	%	$	246,829	>	10.00	%
Tier 1 risk-based capital		318,206	12.89			148,097	>	6.00			209,804	>	8.50			197,463	>	8.00
Tier 1 leverage		318,206	10.94			116,303	>	4.00			116,303	>	4.00			145,379	>	5.00
Common equity Tier 1		318,206	12.89			111,073	>	4.50			172,780	>	7.00			160,439	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	500,763	14.64	%	$	273,616	>	8.00	%	$	359,121	>	10.50	%	$	342,020	>	10.00	%
Tier 1 risk-based capital		473,856	13.85			205,212	>	6.00			290,717	>	8.50			273,616	>	8.00
Tier 1 leverage		473,856	16.68			113,618	>	4.00			113,618	>	4.00			142,022	>	5.00
Common equity Tier 1		473,856	13.85			153,909	>	4.50			239,414	>	7.00			222,313	>	6.50
Community State Bank:
Total risk-based capital	$	217,053	12.62	%	$	137,540	>	8.00	%	$	180,521	>	10.50	%	$	171,925	>	10.00	%
Tier 1 risk-based capital		202,927	11.80			103,155	>	6.00			146,136	>	8.50			137,540	>	8.00
Tier 1 leverage		202,927	11.92			68,119	>	4.00			68,119	>	4.00			85,149	>	5.00
Common equity Tier 1		202,927	11.80			77,366	>	4.50			120,347	>	7.00			111,751	>	6.50
Guaranty Bank:
Total risk-based capital	$	311,027	14.18	%	$	175,510	>	8.00	%	$	230,358	>	10.50	%	$	219,388	>	10.00	%
Tier 1 risk-based capital		286,109	13.04			131,633	>	6.00			186,480	>	8.50			175,510	>	8.00
Tier 1 leverage		286,109	12.43			92,061	>	4.00			92,061	>	4.00			115,077	>	5.00
Common equity Tier 1		286,109	13.04			98,725	>	4.50			153,572	>	7.00			142,602	>	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, 2025:
Company:
Total risk-based capital	$	1,369,172	14.19	%	$	771,812	>	8.00	%	$	1,013,003	>	10.50	%	$	964,765	>	10.00	%
Tier 1 risk-based capital		1,063,505	11.02			578,859	>	6.00			820,050	>	8.50			771,812	>	8.00
Tier 1 leverage		1,063,505	11.07			384,419	>	4.00			384,419	>	4.00			480,523	>	5.00
Common equity Tier 1		1,014,514	10.52			434,144	>	4.50			675,335	>	7.00			627,097	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	342,214	14.33	%	$	191,071	>	8.00	%	$	250,780	>	10.50	%	$	238,838	>	10.00	%
Tier 1 risk-based capital		313,533	13.13			143,303	>	6.00			203,013	>	8.50			191,071	>	8.00
Tier 1 leverage		313,533	10.65			117,711	>	4.00			117,711	>	4.00			147,138	>	5.00
Common equity Tier 1		313,533	13.13			107,477	>	4.50			167,187	>	7.00			155,245	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	495,107	14.61	%	$	271,051	>	8.00	%	$	355,754	>	10.50	%	$	338,814	>	10.00	%
Tier 1 risk-based capital		466,349	13.76			203,288	>	6.00			287,992	>	8.50			271,051	>	8.00
Tier 1 leverage		466,349	16.22			115,000	>	4.00			115,000	>	4.00			143,751	>	5.00
Common equity Tier 1		466,349	13.76			152,466	>	4.50			237,170	>	7.00			220,229	>	6.50
Community State Bank:
Total risk-based capital	$	212,148	12.65	%	$	134,206	>	8.00	%	$	176,146	>	10.50	%	$	167,758	>	10.00	%
Tier 1 risk-based capital		197,171	11.75			100,655	>	6.00			142,594	>	8.50			134,206	>	8.00
Tier 1 leverage		197,171	11.42			69,072	>	4.00			69,072	>	4.00			86,340	>	5.00
Common equity Tier 1		197,171	11.75			75,491	>	4.50			117,431	>	7.00			109,043	>	6.50
Guaranty Bank:
Total risk-based capital	$	308,357	14.13	%	$	174,598	>	8.00	%	$	229,159	>	10.50	%	$	218,247	>	10.00	%
Tier 1 risk-based capital		283,230	12.98			130,948	>	6.00			185,510	>	8.50			174,598	>	8.00
Tier 1 leverage		283,230	12.03			94,143	>	4.00			94,143	>	4.00			117,679	>	5.00
Common equity Tier 1		283,230	12.98			98,211	>	4.50			152,773	>	7.00			141,861	>	6.50