| 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, 2026: | | | | | | | | | | | | | | | | | | | | | | Company: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 1,389,134 | | 14.13 | % | $ | 786,414 | > | 8.00 | % | $ | 1,032,169 | > | 10.50 | % | $ | 983,018 | > | 10.00 | % | Tier 1 risk-based capital | | | 1,099,397 | | 11.18 | | | 589,811 | > | 6.00 | | | 835,565 | > | 8.50 | | | 786,414 | > | 8.00 | | Tier 1 leverage | | | 1,099,397 | | 11.65 | | | 377,344 | > | 4.00 | | | 377,344 | > | 4.00 | | | 471,680 | > | 5.00 | | Common equity Tier 1 | | | 1,050,340 | | 10.68 | | | 442,358 | > | 4.50 | | | 688,112 | > | 7.00 | | | 638,962 | > | 6.50 | | Quad City Bank & Trust: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 349,002 | | 15.35 | % | $ | 181,940 | > | 8.00 | % | $ | 238,797 | > | 10.50 | % | $ | 227,425 | > | 10.00 | % | Tier 1 risk-based capital | | | 324,991 | | 14.29 | | | 136,455 | > | 6.00 | | | 193,312 | > | 8.50 | | | 181,940 | > | 8.00 | | Tier 1 leverage | | | 324,991 | | 11.01 | | | 118,067 | > | 4.00 | | | 118,067 | > | 4.00 | | | 147,584 | > | 5.00 | | Common equity Tier 1 | | | 324,991 | | 14.29 | | | 102,341 | > | 4.50 | | | 159,198 | > | 7.00 | | | 147,827 | > | 6.50 | | Cedar Rapids Bank & Trust: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 511,774 | | 13.86 | % | $ | 295,329 | > | 8.00 | % | $ | 387,620 | > | 10.50 | % | $ | 369,162 | > | 10.00 | % | Tier 1 risk-based capital | | | 485,591 | | 13.15 | | | 221,497 | > | 6.00 | | | 313,788 | > | 8.50 | | | 295,329 | > | 8.00 | | Tier 1 leverage | | | 485,591 | | 16.94 | | | 114,665 | > | 4.00 | | | 114,665 | > | 4.00 | | | 143,331 | > | 5.00 | | Common equity Tier 1 | | | 485,591 | | 13.15 | | | 166,123 | > | 4.50 | | | 258,413 | > | 7.00 | | | 239,955 | > | 6.50 | | Community State Bank: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 218,364 | | 12.74 | % | $ | 137,112 | > | 8.00 | % | $ | 179,959 | > | 10.50 | % | $ | 171,390 | > | 10.00 | % | Tier 1 risk-based capital | | | 203,782 | | 11.89 | | | 102,834 | > | 6.00 | | | 145,681 | > | 8.50 | | | 137,112 | > | 8.00 | | Tier 1 leverage | | | 203,782 | | 11.67 | | | 69,872 | > | 4.00 | | | 69,872 | > | 4.00 | | | 87,340 | > | 5.00 | | Common equity Tier 1 | | | 203,782 | | 11.89 | | | 77,125 | > | 4.50 | | | 119,973 | > | 7.00 | | | 111,403 | > | 6.50 | | Guaranty Bank: | | | | | | | | | | | | | | | | | | | | | | Total risk-based capital | | $ | 312,656 | | 14.44 | % | $ | 173,176 | > | 8.00 | % | $ | 227,293 | > | 10.50 | % | $ | 216,470 | > | 10.00 | % | Tier 1 risk-based capital | | | 285,566 | | 13.19 | | | 129,882 | > | 6.00 | | | 183,999 | > | 8.50 | | | 173,176 | > | 8.00 | | Tier 1 leverage | | | 285,566 | | 12.34 | | | 92,561 | > | 4.00 | | | 92,561 | > | 4.00 | | | 115,701 | > | 5.00 | | Common equity Tier 1 | | | 285,566 | | 13.19 | | | 97,411 | > | 4.50 | | | 151,529 | > | 7.00 | | | 140,705 | > | 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 | |
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