QCR HOLDINGS INC

For the period ended Dec 31, 2025. Filed Feb 27, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 27, 2026

QCRH$103.26+2.4%Stored close · as of Nov 9, 2026

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

See the whole filing, with its images and exhibits

Contents

INDEX

· ·
			PageNumber(s)
Part I			4
	Item 1.	Business	4
	Item 1A.	Risk Factors	14
	Item 1B.	Unresolved Staff Comments	30
	Item 1C.	Cybersecurity	31
	Item 2.	Properties	31
	Item 3.	Legal Proceedings	32
	Item 4.	Mine Safety Disclosures	32

Part II			32
	Item 5.	Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	32
	Item 6.	[Reserved]	34
	Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	35
		General	35
		Critical Accounting Policies and Critical Accounting Estimates	35
		Executive Overview	36
		Strategic Financial Metrics	37
		Strategic Developments	37
		GAAP to Non-GAAP Reconciliations	38
		Net Interest Income and Margin (Tax Equivalent Basis)(Non-GAAP)	40
		Results of Operations	42
		Interest Income	42
		Interest Expense	42
		Provision for Credit Losses	43
		Noninterest Income	44
		Noninterest Expenses	45
		Income Tax Expense	47
		Financial Condition	47
		Overview	47
		Investment Securities	47
		Loans/Leases	49
		Allowance for Credit Losses on Loans/Leases and OBS Exposures	50
		Nonperforming Assets	53
		Deposits	54
		Short-Term Borrowings	55
		FHLB Advances and Other Borrowings	55
		Subordinated Notes	55
		Junior Subordinated Debentures	55
		Stockholders’ Equity	56
		Liquidity and Capital Resources	57
		Commitments, Contingencies, Contractual Obligations, and Off-Balance Sheet Arrangements	58
		Impact of Inflation and Changing Prices	59
		Forward-Looking Statements	59
	Item 7A.	Quantitative and Qualitative Disclosures About Market Risk	61
	Item 8.	Financial Statements and Supplementary Data	63
		Consolidated Balance Sheets as of December 31, 2025 and 2024	66
		Consolidated Statements of Income for the years ended December 31, 2025, 2024 and 2023	67
		Consolidated Statements of Comprehensive Income for the years ended December 31, 2025, 2024 and 2023	68

		Consolidated Statements of Changes in Stockholders’ Equity for the years ended December 31, 2025, 2024 and 2023	69
		Consolidated Statements of Cash Flows for the years ended December 31, 2025, 2024 and 2023	70
		Notes to Consolidated Financial Statements	72
		Note 1: Nature of Business and Significant Accounting Policies	72
		Note 2: Investment Securities	90
		Note 3: Loans/Leases Receivable	95
		Note 4: Securitizations and Variable Interest Entities	105
		Note 5: Premises and Equipment	109
		Note 6: Goodwill and Intangibles	110
		Note 7: Derivatives and Hedging Activities	112
		Note 8: Deposits	116
		Note 9: Short-Term Borrowings	116
		Note 10: FHLB Advances	117
		Note 11: Other Borrowings and Unused Lines of Credit	118
		Note 12: Subordinated Notes	118
		Note 13: Junior Subordinated Debentures	121
		Note 14: Federal and State Income Taxes	122
		Note 15: Employee Benefit Plans	125
		Note 16: Stock-Based Compensation	126
		Note 17: Regulatory Requirements and Restrictions on Dividends	129
		Note 18: Earnings Per Share	131
		Note 19: Commitments and Contingencies	131
		Note 20: Parent Company Only Financial Statements	133
		Note 21: Fair Value	136
		Note 22: Business Segment Information	139
	Item 9.	Changes in and Disagreements With Accountants on Accounting and Financial Disclosure	141
	Item 9A.	Controls and Procedures	141
	Item 9B.	Other Information	144
	Item 9C.	Disclosure Regarding Foreign Jurisdictions that Prevent Inspection	144

Part III			145
	Item 10.	Directors, Executive Officers and Corporate Governance	145
	Item 11.	Executive Compensation	145
	Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters	145
	Item 13.	Certain Relationships and Related Transactions, and Director Independence	146
	Item 14.	Principal Accountant Fees and Services	146

Part IV			146
	Item 15.	Exhibits and Financial Statement Schedules	146

		Signatures	150
		Appendix A. Supervision and Regulation	152

Throughout the Notes to the Consolidated Financial Statements, Management's Discussion and Analysis of Financial Condition and Results of Operations, and remaining sections of this Form 10-K (including appendices), we use certain acronyms and abbreviations, as defined in Note 1 to the Consolidated Financial Statements.

ContentsView on SEC.gov

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

Table of Contents