QCR HOLDINGS INC

For the period ended Sep 30, 2025. Filed Nov 7, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 7, 2025

QCRH$100.85-0.3%Stored close · as of Nov 6, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

· · · · PageNumber(s)
Part I	FINANCIAL INFORMATION

		Item 1	Consolidated Financial Statements (Unaudited)

			Consolidated Balance Sheets As of September 30, 2025 and December 31, 2024	4

			Consolidated Statements of Income For the Three Months Ended September 30, 2025 and 2024	5

			Consolidated Statements of Income For the Nine Months Ended September 30, 2025 and 2024	6

			Consolidated Statements of Comprehensive Income For the Three and Nine Months Ended September 30, 2025 and 2024	7

			Consolidated Statements of Changes in Stockholders' Equity For the Three and Nine Months Ended September 30, 2025 and 2024	8

			Consolidated Statements of Cash Flows For the Nine Months Ended September 30, 2025 and 2024	9

			Notes to Consolidated Financial Statements	10

			Note 1. Summary of Significant Accounting Policies	10
			Note 2. Investment Securities	12
			Note 3. Loans/Leases Receivable	17
			Note 4. Securitizations and Variable Interest Entities	26
			Note 5. Derivatives and Hedging Activities	26
			Note 6. Other Borrowings	29
			Note 7. Subordinated Notes	30
			Note 8. Income Taxes	31
			Note 9. Earnings Per Share	32
			Note 10. Fair Value	32
			Note 11. Business Segment Information	35
			Note 12. Regulatory Capital Requirements	37
			Note 13. Commitments	38
			Note 14. Subsequent Event	38

		Item 2	Management's Discussion and Analysis of Financial Condition and Results of Operations

			Introduction	39
			General	39
			Critical Accounting Policies and Critical Accounting Estimates	39
			Executive Overview	39
			Strategic Financial Metrics	41
			Strategic Developments	42
			GAAP to Non-GAAP Reconciliations	43
			Net Interest Income - (Tax Equivalent Basis)	45
			Results of Operations	50

		Interest Income	50
		Interest Expense	50
		Provision for Credit Losses	50
		Noninterest Income	51
		Noninterest Expense	54
		Income Taxes	56
		Financial Condition	57
		Investment Securities	57
		Loans/Leases	58
		Allowance for Credit Losses on Loans/Leases and OBS Exposures	60
		Nonperforming Assets	62
		Deposits	63
		Borrowings	63
		Stockholders' Equity	65
		Liquidity and Capital Resources	66
		Special Note Concerning Forward-Looking Statements	67

	Item 3	Quantitative and Qualitative Disclosures About Market Risk	69

	Item 4	Controls and Procedures	71

Part II	OTHER INFORMATION

	Item 1	Legal Proceedings	72

	Item 1A	Risk Factors	72

	Item 2	Unregistered Sales of Equity Securities and Use of Proceeds	72

	Item 3	Defaults Upon Senior Securities	72

	Item 4	Mine Safety Disclosures	72

	Item 5	Other Information	72

	Item 6	Exhibits	73

Signatures

Throughout this Quarterly Report on Form 10-Q, we use certain acronyms and abbreviations, as defined in Note 1 to the Consolidated Financial Statements.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.

About this filing

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