| 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 June 30, 2025: | | | | | | | | | | | | | | | | | | | | | | Company: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 1,314,474 | | 14.26 | % | $ | 737,507 | > | 8.00 | % | $ | 967,978 | > | 10.50 | % | $ | 921,884 | > | 10.00 | % | Tier 1 risk-based capital | | | 1,010,640 | | 10.96 | | | 553,130 | > | 6.00 | | | 783,601 | > | 8.50 | | | 737,507 | > | 8.00 | | Tier 1 leverage | | | 1,010,640 | | 11.22 | | | 360,229 | > | 4.00 | | | 360,229 | > | 4.00 | | | 450,286 | > | 5.00 | | Common equity Tier 1 | | | 961,715 | | 10.43 | | | 414,848 | > | 4.50 | | | 645,319 | > | 7.00 | | | 599,225 | > | 6.50 | | Quad City Bank & Trust: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 339,461 | | 14.33 | % | $ | 189,536 | > | 8.00 | % | $ | 248,766 | > | 10.50 | % | $ | 236,920 | > | 10.00 | % | Tier 1 risk-based capital | | | 310,380 | | 13.10 | | | 142,152 | > | 6.00 | | | 201,382 | > | 8.50 | | | 189,536 | > | 8.00 | | Tier 1 leverage | | | 310,380 | | 11.70 | | | 106,093 | > | 4.00 | | | 106,093 | > | 4.00 | | | 132,617 | > | 5.00 | | Common equity Tier 1 | | | 310,380 | | 13.10 | | | 106,614 | > | 4.50 | | | 165,844 | > | 7.00 | | | 153,998 | > | 6.50 | | Cedar Rapids Bank & Trust: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 481,055 | | 15.09 | % | $ | 255,110 | > | 8.00 | % | $ | 334,832 | > | 10.50 | % | $ | 318,888 | > | 10.00 | % | Tier 1 risk-based capital | | | 453,450 | | 14.22 | | | 191,333 | > | 6.00 | | | 271,054 | > | 8.50 | | | 255,110 | > | 8.00 | | Tier 1 leverage | | | 453,450 | | 17.28 | | | 104,943 | > | 4.00 | | | 104,943 | > | 4.00 | | | 131,179 | > | 5.00 | | Common equity Tier 1 | | | 453,450 | | 14.22 | | | 143,499 | > | 4.50 | | | 223,221 | > | 7.00 | | | 207,277 | > | 6.50 | | Community State Bank: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 200,559 | | 13.06 | % | $ | 122,888 | > | 8.00 | % | $ | 161,291 | > | 10.50 | % | $ | 153,611 | > | 10.00 | % | Tier 1 risk-based capital | | | 186,208 | | 12.12 | | | 92,166 | > | 6.00 | | | 130,569 | > | 8.50 | | | 122,888 | > | 8.00 | | Tier 1 leverage | | | 186,208 | | 11.75 | | | 63,386 | > | 4.00 | | | 63,386 | > | 4.00 | | | 79,232 | > | 5.00 | | Common equity Tier 1 | | | 186,208 | | 12.12 | | | 69,125 | > | 4.50 | | | 107,527 | > | 7.00 | | | 99,847 | > | 6.50 | | Guaranty Bank: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 307,790 | | 14.70 | % | $ | 167,529 | > | 8.00 | % | $ | 219,882 | > | 10.50 | % | $ | 209,411 | > | 10.00 | % | Tier 1 risk-based capital | | | 282,693 | | 13.50 | | | 125,647 | > | 6.00 | | | 178,000 | > | 8.50 | | | 167,529 | > | 8.00 | | Tier 1 leverage | | | 282,693 | | 12.65 | | | 89,355 | > | 4.00 | | | 89,355 | > | 4.00 | | | 111,693 | > | 5.00 | | Common equity Tier 1 | | | 282,693 | | 13.50 | | | 94,235 | > | 4.50 | | | 146,588 | > | 7.00 | | | 136,117 | > | 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 | |
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