QCR reported FY 2025 net income of USD 127.2 million and diluted EPS of USD 7.49. Net interest income was USD 255.2 million (+10.1%), with net interest margin (GAAP) of 3.00% (from 2.88%) and NIM (TEY) of 3.49% (from 3.33%). Provision for credit losses was USD 18.1 million (+5.7%). Noninterest income was USD 114.3 million (down 1.0%), including capital markets revenue of USD 64.7 million (down 8.9%), while noninterest expense was USD 215.6 million (+3.8%). The effective tax rate was 6.4% (from 7.1%). Adjusted net income (non-GAAP) was USD 129.6 million and adjusted diluted EPS was USD 7.64. QCR ended FY 2025 with total assets of USD 9.6 billion, total loans/leases of USD 7.2 billion, and deposits of USD 7.4 billion. The company reported 11.7% organic loan and lease growth (excluding a USD 285.3 million LIHTC construction loan sale and USD 133 million of m2 run-off) and 7% core deposit growth. Key updates included the December 2025 sale of a 100% participation interest in a pool of LIHTC construction loans (USD 285.3 million principal) with a USD 0.4 million gain, continued focus on interest rate swap execution on select commercial and LIHTC permanent loans, and wealth management growth with assets under management of USD 7.1 billion (up USD 779.7 million). QCR also highlighted higher professional and data processing fees and occupancy/equipment expenses tied to its digital transformation, and it authorized a new share repurchase program for up to 1.7 million shares, with 149,456 shares repurchased in FY 2025.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. QCR Holdings Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001104659-26-021531), on February 27, 2026, and is solely responsible for the information contained therein.