QCR HOLDINGS INC
For the period ended Sep 30, 2026. Filed Nov 6, 2026.
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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
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Strategic Financial Metrics
The Company has established certain strategic financial metrics by which it manages its business and measures its performance. The goals are periodically updated to reflect changes in business developments. While the Company is determined to work prudently to achieve these metrics, there is no assurance that they will be met. Moreover, the Company's ability to achieve these metrics may be affected by the factors discussed under “Forward Looking Statements” as well as the factors detailed in the “Risk Factors” section included under Item 1A. of Part I of the Company's Annual Report on Form 10-K for the year ended December 31, 2025. The Company's long-term strategic financial metrics are as follows:
| ● | Generate loan and lease growth of 9% per year, funded by core deposits, which excludes brokered deposits; |
| ● | Grow fee-based income by at least 6% per year; and |
| ● | Limit annual operating expense growth to 5% per year. |
The following table shows the evaluation of the Company’s strategic financial metrics:
| · · · · · · · · · · · · · · · · | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| · · · · · Year to Date* | ||||||||||||
| Strategic Financial Metric* · · Key Metric · · Target · September 30, 2026 · June 30, 2026 · September 30, 2025 | ||||||||||||
| Loan and lease growth organically** | Loans and leases growth | > 9% annually | | | 11.3% | | | 10.3% | | | 14.7% | |
| Fee income growth | Fee income growth | > 6% annually | | | (4.3)% | | | (9.3)% | | | (16.9)% | |
| Improve operational efficiencies and hold noninterest expense growth | | Noninterest expense growth | < 5% annually | | | (0.1)% | | | (1.4)% | | | (0.8)% |
- Ratios and amounts provided for these measurements represent year-to-date actual amounts for the respective period that are then annualized for comparison to the prior year actual. The calculations provided exclude non-core noninterest income and noninterest expense.
** Excludes the securitization, the LIHTC loan offtake transactions and planned runoff of the m2 portfolio.
It should be noted that these initiatives are long-term targets.
Part I
Item 2
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.