QCR HOLDINGS INC

For the period ended Jun 30, 2025. Filed Aug 8, 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.

Jun 30, 2025 · Filed Aug 8, 2025

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

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Contents

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Part I	FINANCIAL INFORMATION

		Item 1	Consolidated Financial Statements (Unaudited)

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

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

			Consolidated Statements of Income For the Six Months Ended June 30, 2025 and 2024	6

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

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

			Consolidated Statements of Cash Flows For the Six Months Ended June 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	16
			Note 4. Securitizations and Variable Interest Entities	25
			Note 5. Derivatives and Hedging Activities	25
			Note 6. Income Taxes	29
			Note 7. Earnings Per Share	30
			Note 8. Fair Value	30
			Note 9. Business Segment Information	33
			Note 10. Regulatory Capital Requirements	35
			Note 11. Commitments	36
			Note 12. Subsequent Events	36

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

			Introduction	37
			General	37
			Critical Accounting Policies and Critical Accounting Estimates	37
			Executive Overview	37
			Strategic Financial Metrics	39
			Strategic Developments	40
			GAAP to Non-GAAP Reconciliations	41
			Net Interest Income - (Tax Equivalent Basis)	43
			Results of Operations	47
			Interest Income	47
			Interest Expense	48

		Provision for Credit Losses	48
		Noninterest Income	49
		Noninterest Expense	52
		Income Taxes	54
		Financial Condition	54
		Investment Securities	55
		Loans/Leases	55
		Allowance for Credit Losses on Loans/Leases and OBS Exposures	57
		Nonperforming Assets	59
		Deposits	60
		Borrowings	61
		Stockholders' Equity	62
		Liquidity and Capital Resources	63
		Special Note Concerning Forward-Looking Statements	64

	Item 3	Quantitative and Qualitative Disclosures About Market Risk	67

	Item 4	Controls and Procedures	69

Part II	OTHER INFORMATION

	Item 1	Legal Proceedings	70

	Item 1A	Risk Factors	70

	Item 2	Unregistered Sales of Equity Securities and Use of Proceeds	70

	Item 3	Defaults Upon Senior Securities	70

	Item 4	Mine Safety Disclosures	70

	Item 5	Other Information	70

	Item 6	Exhibits	71

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.

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