QCR Holdings Inc
NASDAQ:QCRH
QCR Holdings Inc
QCR Holdings Inc., founded in 1993, has quietly carved out a niche for itself in the world of community banking. Headquartered in Moline, Illinois, this company operates through its network of subsidiary banks strategically located in both Illinois and Iowa. At its core, QCR Holdings thrives on a relationship-based banking model, emphasizing personalized service to businesses and individuals alike. Its subsidiaries, including Quad City Bank & Trust, Cedar Rapids Bank & Trust, and Community State Bank, among others, anchor their operations around understanding the unique financial needs within their respective communities. This localized approach allows the company to offer comprehensive banking services such as commercial loans, treasury management, deposit services, and wealth management, all tailored to fit regional demands.
Revenue for QCR Holdings flows primarily from the traditional banking streams of interest income, derived from its diversified loan portfolio, and non-interest income generated through fees and service charges. The company also benefits from its strong footing in mortgage banking and wealth management services, providing additional layers of income diversification. Despite the intensely competitive nature of the financial services industry, QCR Holdings' commitment to community relationship-building gives it a distinct edge. By cultivating deep ties with local businesses and individuals, it not only fosters customer loyalty but also positions itself favorably across varied market conditions. Through this synergy of service and strategy, QCR Holdings continues to navigate the challenges of the banking landscape, consistently seeking growth while holding fast to its community-centric ethos.
QCR Holdings Inc., founded in 1993, has quietly carved out a niche for itself in the world of community banking. Headquartered in Moline, Illinois, this company operates through its network of subsidiary banks strategically located in both Illinois and Iowa. At its core, QCR Holdings thrives on a relationship-based banking model, emphasizing personalized service to businesses and individuals alike. Its subsidiaries, including Quad City Bank & Trust, Cedar Rapids Bank & Trust, and Community State Bank, among others, anchor their operations around understanding the unique financial needs within their respective communities. This localized approach allows the company to offer comprehensive banking services such as commercial loans, treasury management, deposit services, and wealth management, all tailored to fit regional demands.
Revenue for QCR Holdings flows primarily from the traditional banking streams of interest income, derived from its diversified loan portfolio, and non-interest income generated through fees and service charges. The company also benefits from its strong footing in mortgage banking and wealth management services, providing additional layers of income diversification. Despite the intensely competitive nature of the financial services industry, QCR Holdings' commitment to community relationship-building gives it a distinct edge. By cultivating deep ties with local businesses and individuals, it not only fosters customer loyalty but also positions itself favorably across varied market conditions. Through this synergy of service and strategy, QCR Holdings continues to navigate the challenges of the banking landscape, consistently seeking growth while holding fast to its community-centric ethos.
Record Performance: QCR Holdings delivered record Q4 and full year 2025 results, driven by strong net interest margin expansion, robust loan and deposit growth, and continued growth in capital markets revenue.
Net Interest Margin: Net interest margin expanded by 6 basis points in Q4, near the top end of guidance, and management expects further expansion of 3 to 7 basis points in Q1 2026, assuming no rate cuts.
Capital Markets: Capital markets revenue hit $65 million for 2025, beating the upper end of prior guidance; new guidance for the next four quarters was raised to $55–70 million.
Expense Control: Core noninterest expenses increased only 4% for the year, in line with the strategic goal to keep annual growth under 5%, despite ongoing investments in digital transformation.
Loan Growth: Total loans grew by $304 million in Q4 (17% annualized); management guides to 8–10% loan growth in Q1 2026, ramping up to 10–15% for the rest of the year.
Deposit Growth: Core deposits increased by $474 million (7%) for the full year, and deposit mix improved with growth in noninterest-bearing balances.
Asset Quality: Credit quality remains excellent, with criticized loans at the lowest level since June 2022 and nonperforming assets steady at 0.45% of assets.
Shareholder Returns: Nearly $22 million was returned to shareholders via buybacks in 2025, with the buyback program described as opportunistic.
Guidance & Outlook: Management expects to remain just under $10 billion in assets through 2026, with investments and expense discipline setting up for future operating leverage.
