QCR HOLDINGS INC (QCRH) financial statements: income statement, balance sheet and cash flow

QCR HOLDINGS INC's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), QCR HOLDINGS INC reported revenue of $37.7M (+8.6% year on year) and net income of $135.9M (+10.9% year on year).

Income statement

QCR HOLDINGS INC income statement, fiscal years
Line itemDec 31, 2025 · FYDec 31, 2024 · FYDec 31, 2023 · FYDec 31, 2022 · FY
Taxable$304.5M$317.4M$284.8M—
Nontaxable$114.8M$104.4M$83.9M—
Taxable$19.2M$17.2M$14.9M$12.1M
Nontaxable$41.6M$33.1M$22.3M$19.1M
Interest-bearing deposits at financial institutions$6.5M$6.1M$4.1M$1.1M
Restricted investment securities$2.3M$3.0M$2.3M$2.1M
Federal funds sold$532.0K$692.0K$998.0K$410.0K
Total interest and dividend income$489.4M$481.9M$413.4M$292.6M
Deposits$204.7M$213.1M$159.4M$42.4M
Short-term borrowings$83.0K$99.0K$179.0K$299.0K
Federal Home Loan Bank advances$9.3M$19.8M$16.7M$7.0M
Other borrowings$2.3M——$53.0K
Subordinated notes$15.1M$14.3M$13.2M$9.2M
Junior subordinated debentures$2.7M$2.8M$2.8M$2.6M
Total interest expense$234.2M$250.1M$192.4M$61.5M
Net interest income$255.2M$231.8M$221.0M$231.1M
Provision for credit losses$18.1M$17.1M$16.5M$8.3M
Net interest income after provision for credit losses$237.1M$214.7M$204.5M$222.8M
Revenue$37.7M$34.7M$546.1M$373.3M
Gains on sales of residential real estate loans, net$2.0M$2.0M$1.6M$2.4M
Capital markets revenue$64.7M$71.1M$92.1M$41.3M
Earnings on bank-owned life insurance$3.4M$5.4M$4.2M$2.1M
Loan related fee income$3.8M$3.7M$3.1M$2.4M
Fair value gain (loss) on derivatives and trading securities$347.0K($2.8M)——
Other$2.4M$1.3M$1.8M$1.4M
Total noninterest income$114.3M$115.5M$132.7M$80.7M
Salaries and employee benefits$127.1M$128.2M$136.6M$115.4M
Occupancy and equipment expense$28.0M$25.4M$25.0M$22.0M
Professional and data processing fees$25.3M$19.4M$16.3M$16.3M
FDIC insurance, other insurance and regulatory fees$8.2M$7.4M$7.1M$5.8M
Loan/lease expense$1.5M$1.6M$2.9M$1.8M
Net cost of (income from) and losses/(gains) on operations of other real estate$80.0K($21.0K)($26.0K)($40.0K)
Advertising and marketing$7.5M$7.1M$6.0M$5.0M
Communication and data connectivity$788.0K$1.4M$2.1M$2.2M
Supplies$956.0K$1.1M$1.3M$1.1M
Bank service charges$2.7M$2.4M$2.6M$2.3M
Loss on liability extinguishment, net$2.0M———
Correspondent banking expense$1.3M$1.3M$963.0K$840.0K
Intangibles amortization$3.0M$2.8M$2.9M$2.9M
Payment card processing$2.3M$2.7M$2.7M$2.0M
Trust expense$1.6M$1.6M$1.4M$775.0K
Other$3.3M$3.0M$2.5M$2.6M
Total noninterest expense$215.6M$207.6M$210.5M$190.0M
Net income before income taxes$135.9M$122.6M$126.6M$113.5M
Federal and state income tax expense$8.7M$8.7M$13.1M$14.5M
QCR HOLDINGS INC income statement, quarters
Line itemJun 30, 2026 · Q2Mar 31, 2026 · Q1Sep 30, 2025 · Q3Jun 30, 2025 · Q2
Taxable$77.6M$76.7M$77.3M$75.1M
Nontaxable$24.5M$25.5M$29.8M$27.7M
Taxable$4.8M$5.0M$4.9M$4.8M
Nontaxable$12.2M$11.1M$10.9M$10.2M
Interest-bearing deposits at financial institutions$1.4M$1.5M$1.3M$1.6M
Restricted investment securities$519.0K$385.0K$570.0K$622.0K
Federal funds sold$52.0K$73.0K$155.0K$159.0K
Total interest and dividend income$121.0M$120.1M$125.0M$120.2M
Deposits$46.8M$45.6M$52.8M$51.0M
Short-term borrowings$31.0K$27.0K$22.0K$15.0K
Federal Home Loan Bank advances$1.4M$297.0K$2.3M$2.9M
Other borrowings$1.3M$1.2M$479.0K—
Subordinated notes$2.9M$4.9M$3.9M$3.6M
Junior subordinated debentures$716.0K$687.0K$689.0K$685.0K
Total interest expense$53.1M$52.7M$60.2M$58.2M
Net interest income$67.9M$67.4M$64.8M$62.1M
Provision for credit losses$4.7M$2.5M$4.3M$4.0M
Net interest income after provision for credit losses$63.2M$65.0M$60.5M$58.0M
Revenue$10.4M$9.8M$9.6M$9.2M
Gains on sales of residential real estate loans, net$507.0K$614.0K$529.0K$556.0K
Capital markets revenue$15.4M$10.7M$23.8M$9.9M
Earnings on bank-owned life insurance$1.0M$931.0K$952.0K$998.0K
Loan related fee income$1.1M$950.0K$846.0K$1.1M
Fair value gain on derivatives and trading securities$802.0K($869.0K)$324.0K$230.0K
Other$189.0K$867.0K$587.0K$143.0K
Total noninterest income$29.4M$23.0M$36.7M$22.1M
Salaries and employee benefits$32.1M$31.4M$34.3M$28.5M
Occupancy and equipment expense$7.3M$7.5M$7.4M$6.8M
Professional and data processing fees$5.6M$5.2M$6.7M$6.1M
FDIC insurance, other insurance and regulatory fees$2.0M$2.1M$2.0M$2.0M
Loan/lease expense$291.0K$106.0K$345.0K$407.0K
Net cost of (income from) and losses/(gains) on operations of other real estate($11.0K)$16.0K$3.0K$50.0K
Advertising and marketing$1.8M$1.8M$1.8M$1.7M
Communication and data connectivity$243.0K$202.0K$40.0K$274.0K
Supplies$265.0K$233.0K$259.0K$252.0K
Bank service charges$711.0K$664.0K$678.0K$720.0K
Correspondent banking expense$335.0K$333.0K$338.0K$314.0K
Intangibles amortization$506.0K$506.0K$662.0K$661.0K
Payment card processing$496.0K$508.0K$569.0K$547.0K
Trust expense$455.0K$474.0K$412.0K$413.0K
Other$1.0M$1.2M$974.0K$839.0K
Total noninterest expense$53.2M$52.1M$56.6M$49.6M
Net income before income taxes$39.5M$35.8M$40.6M$30.6M
Federal and state income tax expense$3.2M$2.4M$3.8M$1.6M
Net income$36.3M$33.4M$36.7M$29.0M

Balance sheet

QCR HOLDINGS INC balance sheet, fiscal years
Line itemDec 31, 2025 · FYDec 31, 2024 · FYDec 31, 2023 · FYDec 31, 2022 · FY
Cash and due from banks$76.5M$91.7M$97.1M$59.7M
Federal funds sold$23.1M$27.1M$35.5M$56.9M
Interest-bearing deposits at financial institutions$126.5M$143.4M$104.9M$67.4M
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)$948.7M$835.8M$683.5M—
Securities available for sale, at fair value$279.8M$281.1M$299.7M$341.0M
Securities trading, at fair value$83.9M$83.5M$22.4M—
Total securities$1.3B$1.2B$1.0B$928.1M
Loans receivable held for sale$1.4M$2.1M$2.6M$1.5M
Loans/leases receivable held for investment$7.2B$6.8B$6.5B$6.1B
Gross loans/leases receivable$7.2B$6.8B$6.5B$6.1B
Less allowance for credit losses($90.1M)($89.8M)($87.2M)($87.7M)
Net loans/leases receivable$7.1B$6.7B$6.5B$6.1B
Bank-owned life insurance$112.9M$109.6M$108.2M$106.6M
Premises and equipment, net$215.4M$159.2M$123.3M$117.9M
Restricted investment securities$33.5M$35.4M$41.6M$42.5M
Other real estate owned, net$540.0K$661.0K$1.3M$133.0K
Goodwill$138.6M$138.6M$139.0M$137.6M
Intangibles$8.1M$11.1M$13.8M$16.8M
Derivatives$192.4M$186.8M$187.3M$177.6M
Other assets$258.7M$227.5M$225.0M$186.4M
Total assets$9.6B$9.0B$8.5B$7.9B
Noninterest-bearing$951.0M$921.2M$1.0B$1.3B
Interest-bearing$6.5B$6.1B$5.5B$4.7B
Total deposits$7.4B$7.1B$6.5B$6.0B
Short-term borrowings$2.6M$1.8M$1.5M$129.6M
Federal Home Loan Bank advances$245.4M$285.4M$435.0M$415.0M
Other borrowings$107.4M———
Subordinated notes$234.1M$233.5M$233.1M$232.7M
Junior subordinated debentures$49.0M$48.9M$48.7M$48.6M
Derivatives$214.3M$214.8M$215.7M$200.7M
Other liabilities$196.1M$183.1M$204.3M$165.3M
Total liabilities$8.5B$8.0B$7.7B$7.2B
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 outstanding16.7M16.9M16.7M16.8M
Additional paid-in capital$372.9M$375.0M$370.8M$370.7M
Retained earnings$773.4M$665.2M$555.0M$450.1M
Securities available for sale($35.7M)($38.0M)($36.0M)($44.7M)
Derivatives($14.9M)($21.7M)($20.0M)($20.2M)
Total stockholders' equity$1.1B$997.4M$886.6M$772.7M
Total liabilities and stockholders' equity$9.6B$9.0B$8.5B$7.9B
QCR HOLDINGS INC balance sheet, quarters
Line itemJun 30, 2026Mar 31, 2026Sep 30, 2025Jun 30, 2025
Cash and due from banks$111.3M$80.0M$77.6M$104.8M
Federal funds sold$19.7M$950.0K$22.2M$27.0M
Interest-bearing deposits at financial institutions$60.7M$38.3M$137.8M$118.7M
Securities held to maturity, at amortized cost (including securities pledged on other borrowings of $168,156 and $176,632, respectively, net of allowance for credit losses)$991.5M$951.9M$954.1M$909.0M
Securities available for sale, at fair value$294.0M$290.1M$271.3M$271.5M
Securities trading, at fair value$116.0M$82.7M$83.2M$82.9M
Total securities$1.4B$1.3B$1.3B$1.3B
Loans receivable held for sale$3.7M$524.9M$1.5M$1.2M
Loans/leases receivable held for investment$7.0B$6.8B$7.2B$6.9B
Gross loans/leases receivable$7.0B$7.3B$7.2B$6.9B
Less allowance for credit losses($87.2M)($85.5M)($88.8M)($88.7M)
Net loans/leases receivable$6.9B$7.2B$7.1B$6.8B
Bank-owned life insurance$114.6M$113.8M$112.0M$111.1M
Premises and equipment, net$236.1M$225.4M$193.2M$181.8M
Restricted investment securities$35.2M$24.3M$35.8M$32.9M
Other real estate owned, net$350.0K$540.0K—$62.0K
Goodwill$138.6M$138.6M$138.6M$138.6M
Intangibles$7.1M$7.6M$9.1M$9.7M
Derivatives$211.2M$209.8M$207.8M$185.0M
Other assets$238.6M$249.6M$235.4M$233.1M
Total assets$9.5B$9.6B$9.6B$9.2B
Noninterest-bearing$1.0B$987.5M$931.8M$952.0M
Interest-bearing$6.4B$6.8B$6.4B$6.4B
Total deposits$7.4B$7.8B$7.4B$7.3B
Short-term borrowings$8.9M$1.9M$2.9M$1.4M
Federal Home Loan Bank advances$268.6M$25.6M$290.4M$225.4M
Other borrowings$99.4M$107.5M$130.6M—
Subordinated notes$234.3M$234.2M$234.0M$233.7M
Junior subordinated debentures$49.1M$49.0M$49.0M$48.9M
Derivatives$131.9M$149.8M$230.7M$209.5M
Other liabilities$161.3M$152.3M$163.8M$154.6M
Total liabilities$8.4B$8.5B$8.5B$8.2B
Common stock, $1 par value; shares authorized 20,000,000 June 30, 2026 - 16,367,268 shares issued and outstanding December 31, 2025 - 16,690,603 shares issued and outstanding16.4M16.5M16.8M16.9M
Additional paid-in capital$367.0M$368.5M$375.3M$376.6M
Retained earnings$814.5M$789.9M$747.3M$718.0M
Securities available for sale($33.6M)($38.0M)($36.9M)($43.9M)
Derivatives($14.6M)($14.4M)($15.6M)($17.0M)
Total stockholders' equity$1.1B$1.1B$1.1B$1.1B
Total liabilities and stockholders' equity$9.5B$9.6B$9.6B$9.2B

Cash flow statement

QCR HOLDINGS INC cash flow statement, fiscal years
Line itemDec 31, 2025 · FYDec 31, 2024 · FYDec 31, 2023 · FYDec 31, 2022 · FY
Net income$127.2M$113.8M$113.6M$99.1M
Depreciation$9.3M$8.5M$8.7M$7.7M
Provision for credit losses$18.1M$17.1M$16.5M$8.3M
Deferred income taxes($2.3M)($7.2M)($946.0K)($4.7M)
Stock-based compensation expense$3.2M$2.8M$2.7M$2.4M
Deferred compensation expense accrued$6.1M$5.8M$5.7M$4.1M
Losses (gains) on other real estate owned, net$3.0K($224.0K)($85.0K)($129.0K)
Amortization (accretion) of securities premiums/discounts, net($5.2M)$200.0K$916.0K$1.3M
Fair value (gain) loss on derivatives and trading securities($347.0K)$2.8M——
Ineffectiveness on fair value hedges$16.0K$16.0K$77.0K—
Loans originated for sale($87.0M)($86.0M)($69.9M)($99.4M)
Proceeds on sales of loans$375.1M$88.6M$70.4M$107.5M
Gains on sales of residential real estate loans($2.0M)($2.0M)($1.6M)($2.4M)
Loss on liability extinguishment, net$2.0M———
Net gain on loan securitizations$0($955.0K)($664.0K)—
Losses on sales and disposals of premises and equipment$6.0K$143.0K$388.0K$378.0K
Amortization of intangibles$3.0M$2.8M$2.9M$2.9M
Accretion of acquisition fair value adjustments, net($514.0K)($1.6M)($2.2M)($8.6M)
Increase in cash value of bank-owned life insurance($3.4M)($3.2M)($3.1M)($2.1M)
Increase (decrease) in other assets($7.1M)$4.3M($40.1M)($42.6M)
Decrease (increase) in other liabilities($14.5M)($26.9M)$31.4M$46.0M
Net cash provided by operating activities$421.5M$444.5M$376.3M$118.7M
Net decrease in federal funds sold$4.0M$8.3M$21.5M($44.5M)
Net (increase) decrease in interest-bearing deposits at financial institutions$16.9M($38.5M)($37.6M)$25.1M
Proceeds from sales of other real estate owned$768.0K$1.7M$296.0K$482.0K
Purchases($235.0M)($213.5M)($187.6M)($230.5M)
Calls, maturities and redemptions$68.7M$60.7M$97.4M$43.6M
Paydowns$39.3M$17.3M$14.0M$31.8M
Purchases($2.5M)($811.0K)($2.9M)($23.1M)
Redemptions$4.5M$7.0M$3.7M$2.2M
Net increase in loans/leases originated and held for investment($685.7M)($642.9M)($676.7M)($654.9M)
Purchase of premises and equipment($67.4M)($44.5M)($14.9M)($33.3M)
Proceeds from sales of premises and equipment$1.8M$2.0K$503.0K$2.1M
Net cash used in investing activities($854.7M)($845.2M)($749.3M)($634.7M)
Net increase in deposit accounts$353.0M$547.2M$529.8M($15.1M)
Net increase (decrease) in short-term borrowings$850.0K$300.0K($128.1M)$125.8M
Net change in short-term and overnight advances$95.0M($160.0M)($115.0M)$400.0M
Prepayments($137.0M)——($16.0M)
Proceeds from other borrowings, net of issuance costs$130.6M——$10.0M
Prepayments of subordinated notes($70.0M)———
Proceeds from subordinated notes$70.0M——$100.0M
Payment of cash dividends on common stock($4.1M)($4.0M)($4.0M)($3.9M)
Proceeds from issuance of common stock, net$1.1M$1.5M$1.4M$422.0K
Repurchase and cancellation of common stock-21.6M—-8.7M-53.0M
Net cash provided by financing activities$417.9M$395.3M$410.3M$538.2M
QCR HOLDINGS INC cash flow statement, quarters
Line itemJun 30, 2026 · YTDMar 31, 2026 · Q1Sep 30, 2025 · YTDJun 30, 2025 · YTD
Net income$69.6M$33.4M$91.5M$54.8M
Depreciation$5.0M$2.3M$7.0M$4.5M
Provision for credit losses$7.2M$2.5M$12.6M$8.3M
Stock-based compensation expense$1.7M$1.1M$2.6M$1.9M
Deferred compensation expense accrued$3.3M$1.6M$4.4M$3.0M
Amortization of securities premiums/discounts, net$1.1M$1.4M($285.0K)$400.0K
Fair value loss on derivatives and trading securities$67.0K$869.0K$452.0K$776.0K
Ineffectiveness on fair value hedges$7.0K$5.0K$16.0K$16.0K
Loans originated for sale($46.1M)($25.7M)($60.5M)($39.3M)
Proceeds on sales of loans$206.7M$25.7M$62.7M$41.2M
Gains on sales of residential real estate loans($1.1M)($614.0K)($1.4M)($853.0K)
Proceeds from loan securitizations$247.7M———
Net loss on loan securitizations$1.3M———
Net loss on LIHTC construction loan sales$287.0K———
Losses on sales and disposals of premises and equipment$1.0K—$6.0K—
Amortization of intangibles$1.0M$506.0K$2.0M$1.3M
Accretion of acquisition fair value adjustments, net($920.0K)($891.0K)($451.0K)($268.0K)
Increase in cash value of bank-owned life insurance($1.9M)($837.0K)($2.5M)($1.5M)
Gain on bank-owned life insurance proceeds($98.0K)———
Increase (decrease) in other assets$19.3M$8.9M($9.7M)($5.3M)
Increase in other liabilities($38.1M)($45.7M)($22.1M)($30.2M)
Net cash provided by operating activities$475.9M$4.4M$86.1M$38.7M
Net decrease in federal funds sold$3.5M$22.2M$5.0M$150.0K
Net (increase) decrease in interest-bearing deposits at financial institutions($32.8M)$8.1M$5.6M$24.7M
Proceeds from sales of other real estate owned$190.0K—$806.0K$740.0K
Purchases($95.8M)($33.8M)($170.5M)($119.9M)
Calls, maturities and redemptions$38.2M$15.5M$41.8M$31.1M
Paydowns$2.9M$1.4M$22.0M$17.5M
Purchases($3.9M)($346.0K)($4.6M)($64.0K)
Redemptions$2.1M$9.5M$4.2M$2.6M
Proceeds from bank-owned life insurance$330.0K———
Net increase in loans/leases originated and held for investment($318.8M)($125.6M)($407.5M)($149.8M)
Purchase of premises and equipment($25.7M)($12.3M)($42.9M)($27.1M)
Net cash used in investing activities($429.7M)($115.3M)($544.1M)($220.1M)
Net increase in deposit accounts$3.1M$356.7M$318.9M$257.2M
Net increase (decrease) in short-term borrowings$6.3M($700.0K)$1.1M($450.0K)
Term advances$226.0K$226.0K——
Net change in short-term and overnight advances$23.0M($220.0M)$5.0M($60.0M)
Repayments($8.2M)———
Payment of cash dividends on common stock($2.7M)($1.0M)($3.0M)($2.0M)
Proceeds from issuance of common stock, net$1.2M$112.0K$356.0K($272.0K)
Repurchase and cancellation of common stock-34.3M-20.8M-9.0M—
Net cash provided by (used in) financing activities($11.3M)$114.4M$443.9M$194.4M
Net increase in cash and due from banks$34.8M$3.5M($14.2M)$13.0M
Cash and due from banks, beginning$76.5M$76.5M$91.7M$91.7M

QCR HOLDINGS INC score and earnings-call analysis · All covered companies

Figures as reported in SEC filings. General information, not investment advice.