Q
QCR HOLDINGS INC
Period
FY 2025
Revenue
—
Net Income
$127.19M
Total Assets
$9.58B
Equity
$1.11B
Shares Out
16.51M
Op. Cash Flow
$421.54M
Business
QCR Holdings, Inc. is a multi-bank holding company providing commercial and consumer banking, trust and asset management services through four wholly-owned subsidiary banks in Iowa and Missouri. The company attracts deposits and invests them in loans and securities, generating net interest income and noninterest income from trust fees, service charges and loan sales. A discontinued equipment financing and leasing business (m2) served commercial customers.
Summary from 10-K filed 2026-02-27
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Taxable | 304 | 317 | 285 | 216 | 152 | |
| Nontaxable | 115 | 104 | 84 | 42 | 22 | |
| Taxable | 19 | 17 | 15 | 12 | 9 | |
| Nontaxable | 42 | 33 | 22 | 19 | 16 | |
| Interest-bearing deposits at financial institutions | 7 | 6 | 4 | 1 | 173,000 | |
| Restricted investment securities | 2 | 3 | 2 | 2 | 950,000 | |
| Federal funds sold | 532,000 | 692,000 | 998,000 | 410,000 | 2,000 | |
| Total interest and dividend income | 489 | 482 | 413 | 293 | 200 | |
| Deposits | 205 | 213 | 159 | 42 | 13 | |
| Short-term borrowings | 83,000 | 99,000 | 179,000 | 299,000 | 5,000 | |
| Federal Home Loan Bank advances | 9 | 20 | 17 | 7 | 70,000 | |
| Other borrowings | 2 | — | — | 53,000 | — | |
| Subordinated notes | 15 | 14 | 13 | 9 | 6 | |
| Junior subordinated debentures | 3 | 3 | 3 | 3 | 2 | |
| Total interest expense | 234 | 250 | 192 | 61 | — | |
| Net interest income | 255 | 232 | 221 | 231 | 178 | |
| Provision for credit losses | 18 | 17 | 17 | 8 | 3 | |
| Net interest income after provision for credit losses | 237 | 215 | 204 | 223 | 175 | |
| Gains on sales of residential real estate loans, net | 2 | 2 | 2 | 2 | 4 | |
| Capital markets revenue | 65 | 71 | 92 | 41 | 61 | |
| Securities losses, net | — | — | −451,000 | — | −88,000 | |
| Earnings on bank-owned life insurance | 3 | 5 | 4 | 2 | 2 | |
| Loan related fee income | 4 | 4 | 3 | 2 | 2 | |
| Fair value gain (loss) on derivatives and trading securities | 347,000 | −3 | −1 | 2 | — | |
| Other | 2 | 1 | 2 | 1 | 4 | |
| Total noninterest income | 114 | 116 | 133 | 81 | 100 | |
| Salaries and employee benefits | 127 | 128 | 137 | 115 | 101 | |
| Occupancy and equipment expense | 28 | 25 | 25 | 22 | 16 | |
| Professional and data processing fees | 25 | 19 | 16 | 16 | 15 | |
| Post-acquisition compensation, transition and integration costs | — | — | 207,000 | 6 | — | |
| Restructuring expense | — | 2 | — | — | — | |
| FDIC insurance, other insurance and regulatory fees | 8 | 7 | 7 | 6 | 4 | |
| Loan/lease expense | 2 | 2 | 3 | 2 | 2 | |
| Net cost of (income from) and losses/(gains) on operations of other real estate | 80,000 | −21,000 | −26,000 | −40,000 | −1 | |
| Advertising and marketing | 8 | 7 | 6 | 5 | 4 | |
| Communication and data connectivity | 788,000 | 1 | 2 | 2 | 2 | |
| Supplies | 956,000 | 1 | 1 | 1 | 1 | |
| Bank service charges | 3 | 2 | 3 | 2 | 2 | |
| Loss on liability extinguishment, net | 2 | — | — | — | — | |
| Correspondent banking expense | 1 | 1 | 963,000 | 840,000 | 799,000 | |
| Intangibles amortization | 3 | 3 | 3 | 3 | 2 | |
| Goodwill impairment | — | 432,000 | — | — | — | |
| Payment card processing | 2 | 3 | 3 | 2 | 1 | |
| Trust expense | 2 | 2 | 1 | 775,000 | 758,000 | |
| Other | 3 | 3 | 3 | 3 | 3 | |
| Total noninterest expense | 216 | 208 | 211 | 190 | 154 | |
| Net income before income taxes | 136 | 123 | 127 | 114 | 121 | |
| Federal and state income tax expense | 9 | 9 | 13 | 14 | 23 | |
| Net income | 127 | 114 | 114 | 99 | 99 | |
| Basic earnings per common share (in dollars per share) | 7.54 | 6.77 | 6.79 | 5.94 | 6.3 | |
| Diluted earnings per common share (in dollars per share) | 7.49 | 6.71 | 6.73 | 5.87 | 6.2 | |
| Weighted average common shares outstanding | 17 | 17 | 17 | 17 | 16 | |
| Weighted average common and common equivalent shares outstanding | 17 | 17 | 17 | 17 | 16 | |
| Cash dividends declared per common share | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 76 | 92 | 97 | 60 | 37 | |
| Federal funds sold | 23 | 27 | 35 | 57 | 12 | |
| Interest-bearing deposits at financial institutions | 127 | 143 | 105 | 67 | 75 | |
| Securities held to maturity, at amortized cost (including securities pledged on other borrowings of $176,632 and $0, respectively, net of allowance for credit losses) | 949 | 836 | 684 | 587 | — | |
| Securities available for sale, at fair value | 280 | 281 | 300 | 341 | — | |
| Securities trading, at fair value | 84 | 84 | 22 | — | — | |
| Total securities | 1,312 | 1,200 | 1,006 | — | — | |
| Loans receivable held for sale | 1 | 2 | 3 | 2 | 4 | |
| Loans/leases receivable held for investment | 7,166 | 6,782 | 6,541 | 6,137 | 4,676 | |
| Gross loans/leases receivable | 7,167 | 6,784 | 6,543 | 6,139 | — | |
| Less allowance for credit losses | −90 | −90 | −87 | −88 | −79 | |
| Net loans/leases receivable | 7,077 | 6,695 | 6,456 | — | — | |
| Bank-owned life insurance | 113 | 110 | 108 | 107 | 62 | |
| Premises and equipment, net | 215 | 159 | 123 | 118 | 79 | |
| Restricted investment securities | 33 | 35 | 42 | 43 | 19 | |
| Other real estate owned, net | 540,000 | 661,000 | 1 | 133,000 | — | |
| Goodwill | 139 | 139 | 139 | 138 | 74 | |
| Intangibles | 8 | 11 | 14 | 17 | 9 | |
| Derivatives | 192 | 187 | 187 | 178 | 222 | |
| Other assets | 259 | 227 | 225 | 186 | 93 | |
| Total assets | 9,575 | 9,026 | 8,539 | 7,949 | 6,096 | |
| Noninterest-bearing | 951 | 921 | 1,039 | 1,263 | 1,269 | |
| Interest-bearing | 6,463 | 6,140 | 5,475 | 4,721 | 3,654 | |
| Total deposits | 7,414 | 7,061 | 6,514 | 5,984 | 4,923 | |
| Short-term borrowings | 3 | 2 | 2 | 130 | 4 | |
| Federal Home Loan Bank advances | 245 | 285 | 435 | 415 | 15 | |
| Other borrowings | 107 | — | — | — | — | |
| Subordinated notes | 234 | 233 | 233 | 233 | 114 | |
| Junior subordinated debentures | 49 | 49 | 49 | 49 | 38 | |
| Derivatives | 214 | 215 | 216 | 201 | 225 | |
| Other liabilities | 196 | 183 | 204 | 165 | 100 | |
| Total liabilities | 8,463 | 8,029 | 7,652 | 7,176 | 5,419 | |
| Preferred stock, $1 par value; shares authorized 250,000 December 2025 and December 2024 - no shares issued or outstanding | — | — | — | — | — | |
| Common stock, $1 par value; shares authorized 20,000,000 December 2025 - 16,690,603 shares issued and outstanding December 2024 - 16,882,045 shares issued and outstanding | 17 | 17 | 17 | 17 | 16 | |
| Additional paid-in capital | 373 | 375 | 371 | 371 | 274 | |
| Retained earnings | 773 | 665 | 555 | 450 | 386 | |
| Securities available for sale | −36 | −38 | −36 | −45 | 6 | |
| Derivatives | −15 | −22 | −20 | −20 | −4 | |
| Total stockholders' equity | 1,112 | 997 | 887 | 773 | 677 | |
| Total liabilities and stockholders' equity | 9,575 | 9,026 | 8,539 | 7,949 | 6,096 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Net income | 127 | 114 | 114 | 99 | 99 | |
| Depreciation | 9 | 8 | 9 | 8 | 5 | |
| Deferred income taxes | −2 | −7 | −946,000 | −5 | 15 | |
| Stock-based compensation expense | 3 | 3 | 3 | 2 | 2 | |
| Deferred compensation expense accrued | 6 | 6 | 6 | 4 | 5 | |
| Losses (gains) on other real estate owned, net | 3,000 | −224,000 | −85,000 | −129,000 | −2 | |
| Amortization (accretion) of securities premiums/discounts, net | −5 | 200,000 | 916,000 | 1 | 2 | |
| Caplet amortization | — | 511,000 | 872,000 | 1 | 697,000 | |
| Fair value (gain) loss on derivatives and trading securities | −347,000 | 3 | 1 | −2 | — | |
| Ineffectiveness on fair value hedges | 16,000 | 16,000 | 77,000 | — | — | |
| Securities losses, net | — | — | 451,000 | — | 88,000 | |
| Loans originated for sale | −87 | −86 | −70 | −99 | −204 | |
| Proceeds on sales of loans | 375 | 89 | 70 | 107 | 209 | |
| Proceeds from loan securitizations | — | 327 | 240 | — | — | |
| Net gain on loan securitizations | 0 | −955,000 | −664,000 | 0 | — | |
| Losses on sales and disposals of premises and equipment | 6,000 | 143,000 | 388,000 | 378,000 | 1 | |
| Accretion of acquisition fair value adjustments, net | −514,000 | −2 | −2 | −9 | −1 | |
| Increase in cash value of bank-owned life insurance | −3 | −3 | −3 | −2 | −2 | |
| Gain on bank-owned life insurance death benefits | — | −2 | −1 | — | — | |
| Increase (decrease) in other assets | −7 | 4 | −40 | −43 | −47 | |
| Decrease (increase) in other liabilities | −15 | −27 | 31 | 46 | 5 | |
| Net cash provided by operating activities | 422 | 445 | 376 | 119 | 88 | |
| Net decrease in federal funds sold | 4 | 8 | 21 | −45 | −3 | |
| Net (increase) decrease in interest-bearing deposits at financial institutions | 17 | −39 | −38 | 25 | 11 | |
| Proceeds from sales of other real estate owned | 768,000 | 2 | 296,000 | 482,000 | 5 | |
| Purchases | −235 | −214 | −188 | −231 | −173 | |
| Calls, maturities and redemptions | 69 | 61 | 97 | 44 | 106 | |
| Paydowns | 39 | 17 | 14 | 32 | 65 | |
| Sales | — | 445,000 | 31 | 111 | 24 | |
| Purchases | −3 | −811,000 | −3 | −23 | −1 | |
| Redemptions | 4 | 7 | 4 | 2 | 30,000 | |
| Proceeds from bank-owned life insurance death benefits | — | 4 | 3 | — | — | |
| Net increase in loans/leases originated and held for investment | −686 | −643 | −677 | −655 | −434 | |
| Purchase of premises and equipment | −67 | −44 | −15 | −33 | −14 | |
| Proceeds from sales of premises and equipment | 2 | 2,000 | 503,000 | 2 | 2 | |
| Purchase of swaptions | — | −5 | — | — | — | |
| Net cash used in investing activities | −855 | −845 | −749 | −635 | −412 | |
| Net increase in deposit accounts | 353 | 547 | 530 | −15 | 324 | |
| Net increase (decrease) in short-term borrowings | 850,000 | 300,000 | −128 | 126 | −2 | |
| Term advances | — | 10 | 135 | — | — | |
| Net change in short-term and overnight advances | 95 | −160 | −115 | 400 | — | |
| Prepayments | −137 | — | — | −16 | — | |
| Proceeds from other borrowings, net of issuance costs | 131 | — | — | 10 | — | |
| Prepayments of subordinated notes | −70 | — | — | — | −5 | |
| Proceeds from subordinated notes | 70 | — | — | 100 | — | |
| Payment of cash dividends on common stock | −4 | −4 | −4 | −4 | −4 | |
| Proceeds from issuance of common stock, net | 1 | 1 | 1 | 422,000 | 670,000 | |
| Repurchase and cancellation of common stock | −22 | — | −9 | −53 | −14 | |
| Net cash provided by financing activities | 418 | 395 | 410 | 538 | 300 | |
| Net increase (decrease) in cash and due from banks | −15 | −5 | 37 | 22 | −24 | |
| Interest | 237 | 248 | 188 | 59 | 23 | |
| Income/franchise taxes | 5 | 5 | 3 | — | — | |
| Change in fair value of fair value hedges | −2 | 3 | −3 | — | — | |
| Transfers of loans to other real estate owned | 650,000 | 777,000 | 1 | 431,000 | 3 | |
| Transfer of loans to held for sale for securitizations in preparation | — | 387 | 262 | — | — | |
| Transfer of loans to held for sale for LIHTC construction loan sale | 285 | — | — | — | — | |
| Beneficial interests (trading securities) acquired in securitizations | — | 60 | 22 | — | — | |
| Due to trustee for other borrowing payments | 24 | — | — | — | — | |
| Due from trustee for securities call/paydowns | −24 | — | — | — | — | |
| Increase in the fair value of back-to-back interest rate swap assets and liabilities | 8 | 2 | 15 | −54 | −1 | |
| Dividends payable | 1 | 1 | 1 | 1 | 935,000 | |
| Measurement period adjustment to goodwill | — | — | 1 | — | — |
Filings
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Frequently asked questions
What is QCR HOLDINGS INC's CIK number?
QCR HOLDINGS INC's SEC CIK number is 0000906465 (906465). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find QCR HOLDINGS INC's SEC filings?
All of QCR HOLDINGS INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did QCR HOLDINGS INC last report earnings?
QCR HOLDINGS INC (QCRH) most recently filed an earnings 8-K with the SEC on Apr 22, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001104659-26-046805). This is QCR HOLDINGS INC's most recent earnings filing of record — not a forecast of its next earnings date.
What is QCR HOLDINGS INC's most recent earnings 8-K?
QCR HOLDINGS INC's latest earnings 8-K (Item 2.02) was filed Apr 22, 2026 under accession 0001104659-26-046805. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View QCR HOLDINGS INC's latest earnings 8-K →
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