QCR HOLDINGS INC

For the period ended Sep 30, 2026. Filed Nov 6, 2026.

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, 2026 · Filed Nov 6, 2026

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

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Contents

Nonperforming Assets

The table below presents the amount of NPAs and related ratios:




· · As of · ·
· · September 30, 2026 · · June 30, 2026 · · December 31, 2025 · · September 30, 2025 · ·
· · (dollars in thousands) · ·

Nonaccrual loans/leases (1)	$36,250	$39,139	$42,212	$42,167
Accruing loans/leases past due 90 days or more	21	1	85	43
Total NPLs	36,271	39,140	42,297	42,210
OREO	1,709	350	540	—
Other repossessed assets	20	20	500	510
Total NPAs	$38,000	$39,510	$43,337	$42,720


NPLs to total loans/leases	0.50%	0.56%	0.59%	0.59%
NPAs to total loans/leases plus repossessed property	0.53%	0.56%	0.60%	0.60%
NPAs to total assets	0.39%	0.41%	0.45%	0.45%
Nonaccrual loans/leases to total loans/leases	0.50%	0.56%	0.59%	0.59%
ACL to nonperforming loans	243.79%	222.75%	213.08%	210.22%

(1)	Includes government guaranteed portion of loans, as applicable.

NPAs at September 30, 2026 were $38.0 million, a decrease of $1.5 million from June 30, 2026, and a decrease of $4.7 million from September 30, 2025. The ratio of NPAs to total assets was 0.39% at September 30, 2026 and 0.41% at June 30, 2026, compared to 0.45% at September 30, 2025.

The majority of the NPAs consist of nonaccrual loans/leases. For nonaccrual loans/leases, management has thoroughly reviewed these loans/leases and has provided specific allowances as appropriate.

OREO and other repossessed assets are carried at the lower of carrying amount or fair value less costs to sell. The increase in OREO from the prior quarter was primarily attributable to the addition of two foreclosed properties during the quarter.

The policy of the Company is to place a loan/lease on nonaccrual status if: (a) payment in full of interest or principal is not expected; or (b) principal or interest has been in default for a period of 90 days or more unless the obligation is both in the process of collection and well secured. A loan/lease is well secured if it is secured by collateral with sufficient market value to repay principal and all accrued interest. A debt is in the process of collection if collection of the debt is proceeding in due course either through legal action, including judgment enforcement procedures, or in appropriate circumstances, through collection efforts not involving legal action which are reasonably expected to result in repayment of the debt or in its restoration to current status.

The Company's lending/leasing practices remain unchanged and asset quality remains a top priority for management.

Part I

Item 2

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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.