Quad City Bank & Trust

What Quad City Bank & Trust does

Quad City Bank & Trust (QCBT) is a full-service regional community bank founded in 1994 and headquartered in Bettendorf, Iowa, operating as a subsidiary of the publicly-traded holding company QCRH. The bank serves the Quad Cities metropolitan area spanning eastern Iowa and western Illinois, with branch locations in Davenport, Bettendorf, Rock Island, and Moline, and reports 101–250 employees. Its operating scope is confined to a single Midwestern MSA, where it competes on local decision-making, relationship banking, and community involvement.

QCBT is organized into three divisions: Personal Banking (checking, savings, CDs, credit cards, HSAs, mortgages, home equity, auto/RV loans, student loans), Business Banking (commercial checking/savings, SBA lending, business credit cards, treasury management including merchant processing and fraud prevention), and Wealth Management (trust services, investment management, guided wealth portfolios, employer-sponsored retirement plans, financial planning). The technology stack centers on a digital banking platform delivered via web portal and iOS/Android mobile apps, augmented by mobile deposit, bill pay, card controls, and integrations with Apple Pay, Google Pay, Samsung Pay, and Zelle. Additional digital features include Credit Sense (credit monitoring) and Money Manager (multi-institution account aggregation). The bank is FDIC-insured.

Revenue is generated through traditional net interest income from lending (mortgages, home equity, auto, commercial, SBA), non-interest fee income from deposit accounts, cards, treasury management, and merchant processing, plus wealth management and trust fees. GTM is relationship-driven via branches, commercial bankers, and community involvement rather than digital acquisition at scale; pricing for most products is not publicly disclosed.

Name

Quad City Bank & Trust

Legal name

Quad City Bank & Trust

Website

https://qcbt.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Community banking
• Commercial lending
• Wealth management
• Personal banking
• Business banking

Headquarters

HQ city

Bettendorf

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Traditional banking revenue generated from lending activities including mortgages, home equity loans, auto loans, business loans, and SBA lending. Interest is earned on the spread between loan rates and deposit rates.
2. Fee-based Services: Non-interest fee income from checking accounts, savings accounts, credit cards, treasury management services, merchant credit card processing, and other banking service charges.
3. Wealth Management Services: Revenue from trust services, investment management, and financial planning services including employer-sponsored retirement plans.
4. Treasury Management Services: Commercial banking services including information management, receivables management, payment and disbursement services, and fraud prevention services for business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Quad City Bank & Trust is a full-service community bank providing personal banking, business banking, and wealth management services to individuals and businesses across the Quad Cities region of Iowa and Illinois. The bank offers deposit accounts, loans, treasury management, and digital banking tools, and operates as a subsidiary of QCR Holdings.

Product overview

Quad City Bank & Trust operates as a regional community bank offering a comprehensive suite of banking products and services organized into three primary divisions: Personal Banking, Business Banking, and Wealth Management. The bank's personal banking includes deposit products (checking, savings, CDs), credit cards, health savings accounts, and diverse lending options (mortgages, auto loans, home equity, student loans, RV loans). Business banking encompasses commercial checking and savings, SBA lending, business credit cards, and Treasury Management Services including merchant processing, receivables/payables management, and fraud prevention. Wealth Management provides trust services, investment management through the Quad City Investment Center, guided wealth portfolios, employer-sponsored retirement plans, and financial planning. The bank differentiates through digital banking capabilities including mobile deposit, mobile banking apps for iOS and Android, Credit Sense for credit monitoring, digital wallet support (Apple Pay, Google Pay, Samsung Pay), Zelle peer-to-peer payments, and Money Manager aggregation. The bank is FDIC-insured and emphasizes relationship banking with personalized service.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature5 records

Partnerships

Two partnerships are on record, tiered minor.

• Quad City Regional Economic Development (QCREC)minorStrategic or Co-development PartnerRegional economic development organization; QCBT supports local economic growth initiatives and business development in the Quad Cities region through this partnership
• Ruhl MortgageminorOthersAffiliated mortgage services provider offering mortgage products through the bank; Ruhl Mortgage is accessible via QCBT locations for home lending needs

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Hills Bank: Iowa-based community bank with a similar relationship-driven model serving consumers, businesses, and wealth clients in eastern Iowa. Highly comparable in size, product mix, and regional focus to Quad City Bank & Trust.
• Cedar Rapids Bank & Trust: Sibling community bank under the same QCRH parent, offering an analogous personal/business/wealth banking mix in Cedar Rapids, Iowa. Provides a direct template for QCBT's model and economics.
• MidWestOne Bank: Iowa-headquartered community/regional bank with consumer, commercial, and wealth services across the Midwest. Closely comparable in scale, product breadth, and geographic footprint.
• West Bank: Iowa-based community bank offering consumer, commercial, mortgage, and wealth services. Comparable in customer segments and relationship-banking positioning to QCBT.
• Bank Iowa: Iowa community bank with multi-branch presence serving personal, business, and agricultural customers. Directly comparable in regional community-banking model and product mix.

Broad incumbents

• Great Western Bank: Larger regional bank with a strong Midwest branch footprint offering consumer, commercial, and ag banking. Comparable customer segments and product set, but at materially larger scale than QCBT.
• First Interstate Bank: Multi-state regional bank offering commercial, consumer, and wealth services across the Midwest and West. Overlaps with QCBT in commercial/SMB banking but at significantly broader scale.
• U.S. Bank: National bank with a strong Midwest retail and commercial presence competing directly with QCBT for Quad Cities deposits, SMB lending, and wealth clients — though at vastly greater scale and brand reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/qcbank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Quad City Bank & Trust