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QCR
QCR (QCRH) investor relations material
QCR Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Achieved record adjusted net income of $37.3M for Q4 2025 and $129.6M for the full year, driven by net interest margin expansion, robust loan and deposit growth, and strong capital markets and wealth management revenue.
All business lines—traditional banking, wealth management, and LIHTC lending—produced outstanding results, with significant new client relationships and market share gains.
Midwest-based bank holding company with $9.6B in assets, operating 36 locations across three states and over 1,000 employees, with a relationship-driven model and local charter autonomy.
Digital transformation advanced with core system conversions completed, enhancing client experience and operational efficiency.
Delivers strong returns on average assets and consistent profitable growth, with diversified noninterest income sources contributing to upper quartile industry performance.
Financial highlights
Net interest income for Q4 2025 was $68.4M, up $3.6M (22% annualized) from Q3, and $23M (10%) for the year, supported by margin expansion and higher average earning assets.
Noninterest income reached $39M in Q4, with $25M from capital markets revenue; full-year capital markets revenue was $65M, exceeding guidance.
Wealth management revenue grew 11% year-over-year, with $5.3M in Q4 2025.
Tangible book value per share increased $2.08 in Q4 (15% annualized), with a 5-year CAGR of 13%, reaching $60.89 in 2025.
Core deposits grew 4% annualized in Q4 and 7% for the year; brokered deposits declined 34% in 2025.
Outlook and guidance
Guiding to $55M–$70M in capital markets revenue over the next four quarters, with Q1 expected to be seasonally slower.
Expecting 8%–10% gross loan growth in Q1 2026, ramping to 10%–15% for the remainder of the year.
Noninterest expenses projected at $55M–$58M for Q1 2026, maintaining discipline under the 9-6-5 strategic model and keeping growth below 5%.
Effective tax rate guided to 8%–10% for Q1 2026, expected to remain stable.
Securitization of LIHTC loans expected to sustain future asset and capital markets revenue generation, targeting a $300M–$350M securitization by mid-2026.
LIHTC loan sale impact on lending capacity
Digital transformation project expense impact
Rationale for increased credit loss provision
LIHTC market share growth strategy
Digital transformation's impact on efficiency ratio
$10B asset threshold management strategy
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Next QCR earnings date
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QCR
Next QCR earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
QCR Holdings Inc. is a multi-bank holding company that provides commercial and consumer banking services through its subsidiary banks. The company offers deposit accounts, commercial and industrial loans, real estate loans, and treasury management services. It also provides trust and asset management services to individuals and institutions. The company is headquartered in Moline, Illinois, and its shares are listed on the NASDAQ.
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