QCRH on Nasdaq

QCR Holdings

Logo: [1], Non-free logo, via Wikipedia5

American banking company

QCR Holdings, Inc., through its subsidiaries, provides commercial and consumer banking, and trust and asset management services for the Quad City and Cedar Rapids communities. QCR Holdings, Inc. was founded in 1993 and is headquartered in Moline, Illinois.3 Its shares trade on Nasdaq under the symbol QCRH.1 Wikipedia text CC BY-SA 4.0

Price unavailable

Last updated Oct 21, 2026.

Overview

1993Founded1

Compare with Fifth Third Bancorp, GERMAN AMERICAN BANCORP, INC. or Republic Bank & Trust Company, or pick any stock.

  • TickerQCRH on Nasdaq1
  • Industryfinance1
  • HeadquartersMoline1
  • Legal formDelaware corporation1
  • Incorporated inDE6
  • Business address3551 7Th Street, Moline, Il 612656
  • Filer categoryLarge accelerated filer6
  • LEI549300MWKWM7KWJVQO334
  • StatusActive4
  • LEI statusIssued and current4
  • Registered addressC/O THE PRENTICE-HALL CORPORATION SYSTEM, INC., 19808 Wilmington, United States4
  • Registered withDivision of Corporations, Department of State, 23247944

QCR Holdings, Inc., through its subsidiaries, provides commercial and consumer banking, and trust and asset management services for the Quad City and Cedar Rapids communities. QCR Holdings, Inc. was founded in 1993 and is headquartered in Moline, Illinois.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2023

20.8%Net margin10
46.3%Revenue growth, 202311
12.8%Return on equity10
$361.4MFree cash flow10

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Fiduciary and Trust brought in 38% of the revenue QCR Holdings broke down this way in fiscal 2025.

  1. Fiduciary and Trust$14.4M1038%up 10% from 2024
  2. Deposit Account$8.7M1023%up 2% from 2024
  3. Debit Card$6.4M1017%up 4% from 2024
  4. Investment Advisory, Management and Administrative Service$5.5M1015%up 13% from 2024
  5. Correspondent Clearing$2.7M107%up 28% from 2024
Products and services by year
Products and services202320242025
Fiduciary and Trust$11.7M$13.0M$14.4M
Deposit Account$8.2M$8.5M$8.7M
Debit Card$6.2M$6.2M$6.4M
Investment Advisory, Management and Administrative Service$3.9M$4.9M$5.5M
Correspondent Clearing$1.7M$2.1M$2.7M

Where the money goes

Where each dollar of revenue went, fiscal 2023

  • Other costs42¢$227.1M
  • Interest35¢$192.4M
  • Income tax2¢$13.1M
  • Profit21¢$113.6M

Out of $546.1M in revenue.1110

Where each dollar of operating cash went, fiscal 2023

  • Capital spending4¢$14.9M
  • Kept or used elsewhere96¢$361.4M

Out of $376.3M of cash from operations.10

Financial statements

Revenue121311$546.1M in 2023+85% since 2019
0$200.0M$400.0M$600.0M2019: $294.8M$294.8M20192020: $312.2M$312.2M2020+6%2021: $300.6M$300.6M2021−4%2022: $373.3M$373.3M2022+24%2023: $546.1M$546.1M2023+46%
Net income1213111410$113.6M in 2023+98% since 2019
0$50.0M$100.0M$150.0M2019: $57.4M$57.4M20192020: $60.6M$60.6M2020+6%2021: $98.9M$98.9M2021+63%2022: $99.1M$99.1M2022+0%2023: $113.6M$113.6M2023+15%

Every line of the income statement as filed: the last 3 fiscal years, latest first.10

Period ending2025-12-312024-12-312023-12-31
Taxable$304.5M$317.4M$284.8M
Nontaxable$114.8M$104.4M$83.9M
Taxable$19.2M$17.2M$14.9M
Nontaxable$41.6M$33.1M$22.3M
Interest-bearing deposits at financial institutions$6.5M$6.1M$4.1M
Restricted investment securities$2.3M$3.0M$2.3M
Federal funds sold$532.0K$692.0K$998.0K
Total interest and dividend income$489.4M$481.9M$413.4M
Deposits$204.7M$213.1M$159.4M
Short-term borrowings$83.0K$99.0K$179.0K
Federal Home Loan Bank advances$9.3M$19.8M$16.7M
Other borrowings$2.3M
Subordinated notes$15.1M$14.3M$13.2M
Junior subordinated debentures$2.7M$2.8M$2.8M
Total interest expense$234.2M$250.1M$192.4M
Net interest income$255.2M$231.8M$221.0M
Provision for credit losses$18.1M$17.1M$16.5M
Net interest income after provision for credit losses$237.1M$214.7M$204.5M
Gains on sales of residential real estate loans, net$2.0M$2.0M$1.6M
Capital markets revenue$64.7M$71.1M$92.1M
Securities losses, net-$451.0K
Earnings on bank-owned life insurance$3.4M$5.4M$4.2M
Loan related fee income$3.8M$3.7M$3.1M
Fair value gain (loss) on derivatives and trading securities$347.0K-$2.8M-$1.3M
Other$2.4M$1.4M$1.9M
Total noninterest income$114.3M$115.5M$132.7M
Salaries and employee benefits$127.1M$128.2M$136.6M
Occupancy and equipment expense$28.0M$25.4M$25.0M
Professional and data processing fees$25.3M$19.4M$16.3M
Post-acquisition compensation, transition and integration costs$207.0K
Restructuring expense$2.0M
FDIC insurance, other insurance and regulatory fees$8.2M$7.4M$7.1M
Loan/lease expense$1.5M$1.6M$2.9M
Net cost of (income from) and losses/(gains) on operations of other real estate$80.0K-$21.0K-$26.0K
Advertising and marketing$7.5M$7.1M$6.0M
Communication and data connectivity$788.0K$1.4M$2.1M
Supplies$956.0K$1.1M$1.3M
Bank service charges$2.7M$2.4M$2.6M
Loss on liability extinguishment, net$2.0M
Correspondent banking expense$1.3M$1.3M$963.0K
Intangibles amortization$3.0M$2.8M$2.9M
Goodwill impairment$432.0K
Payment card processing$2.3M$2.7M$2.7M
Trust expense$1.6M$1.6M$1.4M
Other$3.3M$3.0M$2.5M
Total noninterest expense$215.6M$207.6M$210.5M
Net income before income taxes$135.9M$122.6M$126.6M
Federal and state income tax expense$8.7M$8.7M$13.1M
Net income$127.2M$113.8M$113.6M
Basic earnings per common share (in dollars per share)$7.54$6.77$6.79
Diluted earnings per common share (in dollars per share)$7.49$6.71$6.73
Weighted average common shares outstanding16.9M shares16.8M shares16.7M shares
Weighted average common and common equivalent shares outstanding17.0M shares17.0M shares16.9M shares
Cash dividends declared per common share$0.24$0.24$0.24

Compare QCR Holdings with another company

Corporate structure

QCR Holdings sits at the top of its group. 14 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of QCR Holdings

  • FMR LLC Filed SCHEDULE 13G/A on QCR Holdings, latest May 6, 2026 (3 filings since Feb 9, 2024)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on QCR Holdings, latest Mar 27, 2026 (3 filings since Feb 9, 2023)
  • DIMENSIONAL FUND ADVISORS LP Filed SC 13G/A on QCR Holdings, latest Feb 9, 2024 (2 filings since Feb 10, 2023)
  • BlackRock Filed SC 13G/A on QCR Holdings, latest Jan 25, 2024 (3 filings since Feb 1, 2022)
  • QCR Holdings Moline, Illinois, United States
    • Guaranty Bank Springfield, Missouri, United States
    • Cedar Rapids Bank And Trust Company Subsidiary · Cedar Rapids, Iowa, United States
    • Community National Statutory Trust II Subsidiary · Delaware, United States
    • Community National Statutory Trust III Subsidiary · Connecticut, United States
    • Community State Bank Subsidiary · Ankeny, Iowa, United States
    • Guaranty Bankshares Statutory Trust I Subsidiary · Delaware, United States
    • Guaranty Statutory Trust II Subsidiary · Delaware, United States
    • m2 Equipment Finance, LLC Subsidiary · Wisconsin, United States
    • QCR Holdings Statutory Trust II Subsidiary · Connecticut, United States
    • QCR Holdings Statutory Trust III Subsidiary · Connecticut, United States
    • QCR Holdings Statutory Trust V Subsidiary · Delaware, United States
    • QCRH Risk Management, Inc. Subsidiary · Missouri, United States
    • Quad City Bank And Trust Company Subsidiary · Davenport, Iowa, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; subsidiaries, stakes and holdings from Wikidata (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What QCR Holdings reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$26.7M10 Dec 31, 2025$27.1M10 Dec 31, 2024−1.5%
Buildings and improvements$135.0M10 Dec 31, 2025$116.9M10 Dec 31, 2024+15.5%
Furniture and fixtures$79.5M10 Dec 31, 2025$58.1M10 Dec 31, 2024+36.9%
Construction in progress$52.3M10 Dec 31, 2025$28.5M10 Dec 31, 2024+83.2%
Property and equipment, before depreciation$293.6M10 Dec 31, 2025$230.6M10 Dec 31, 2024+27.3%
Accumulated depreciation$78.2M10 Dec 31, 2025$71.5M10 Dec 31, 2024+9.4%
Property and equipment, net$215.4M10 Dec 31, 2025$159.2M10 Dec 31, 2024+35.3%
Operating-lease assets (leased space)$2.9M10 Dec 31, 2025$2.9M10 Dec 31, 20240%

Investments

ItemLatestA year beforeChange
Deposits held (banks)$7.4B10 Dec 31, 2025$7.1B10 Dec 31, 2024+5.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$138.6M10 Dec 31, 2025$138.6M10 Dec 31, 20240%
Finite-lived intangibles, net$8.1M10 Dec 31, 2025$11.1M10 Dec 31, 2024−27.0%

Properties, in its own words

The Company’s headquarters are located at 3551 7th Street, Moline, Illinois. The Company and its subsidiaries maintain numerous other facilities, including bank branch locations, which are occupied by the Company and its subsidiaries, and which house the executive and primary administrative offices of each respective entity or otherwise facilitate the business operations of the Company and its subsidiaries. Each such property is leased or owned by the Company or its subsidiaries and no such property is subject to any material encumbrance.

The subsidiary banks intend to limit their investment in premises to no more than 50% of their capital. Management believes that the facilities are of sound construction, in good operating condition, are appropriately insured, and are adequately equipped for carrying on the business of the Company.

The rest of Item 2

No individual real estate property amounts to 10% or more of the Company’s consolidated assets.

Item 2 of the 10-K filed Feb 27, 2026.18

Leadership

Who has led QCR Holdings, and when. Pick a name to see everywhere that person has worked.

Board members and other officers (43)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive OfficerNick W. Anderson named Sep 29, 202575
  • Executive OfficerJohn H. Anderson named Aug 31, 202276
  • Executive OfficerRobert M. Eby named Aug 31, 202276
  • DirectorBrent R. Cobb named Aug 31, 2022 to Sep 29, 202575
  • DirectorDonna J. Sorenson named Aug 31, 202276

Products and brands

  • bank

Listed on Wikidata.1

The subsidiary banks of QCR Holdings include:

Quad City Bank and Trust - Based in Bettendorf, Iowa - Commenced operations in 1994

Cedar Rapids Bank and Trust - Based in Cedar Rapids, Iowa - Commenced operations in 2001

QCR Holdings signed an agreement to sell its Milwaukee subsidiary, First Wisconsin Bank & Trust, to National Bancshares, Inc. near the end of 2008. First Wisconsin commenced operations in 2006.

Read the full text

QCR Holdings announced an agreement to sell its Rockford subsidiary, Rockford Bank and Trust, to Heartland Financial USA, Inc. subsidiary Illinois Bank & Trust on August 13, 2019. The sale closed on November 30, 2019 and the bank's systems conversion occurred on February 7, 2020.

In 2022, QCR Holdings acquired Guaranty Federal Bancshares.

From Wikipedia’s article on QCR Holdings, shared under CC BY-SA 4.0.7

Subsidiaries and ownership

Subsidiaries

  • Guaranty Bank since Apr 1, 2022

Subsidiaries (GLEIF)

Subsidiaries (Exhibit 21)

  • Cedar Rapids Bank and Trust Company Iowa8
  • Community National Statutory Trust II Delaware8
  • Community National Statutory Trust III Connecticut8
  • Community State Bank Iowa8
  • Guaranty Bank Missouri8
  • Guaranty Bankshares Statutory Trust I Delaware8
  • Guaranty Statutory Trust II Delaware8
  • QCR Holdings Statutory Trust II Connecticut8
  • QCR Holdings Statutory Trust III Connecticut8
  • QCR Holdings Statutory Trust V Delaware8
  • QCRH Risk Management, Inc. Missouri8
  • Quad City Bank and Trust Company Iowa8
  • m2 Equipment Finance, LLC Wisconsin8

From Wikidata.1 Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record. The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Acquisitions

  1. Apr 1, 2022Guaranty Bank became a subsidiary1

Former names

  • QUAD CITY HOLDINGS INCSep 18, 1996 to Sep 20, 20016

Timeline

  1. Aug 24, 20268-K Other events77
  2. Jul 22, 20268-K Regulation FD disclosure78
  3. Jul 22, 20268-K Results of operations79
  4. May 26, 20268-K Shareholder vote; Other events80
  5. Apr 22, 20268-K Results of operations81
  6. Apr 22, 20268-K Regulation FD disclosure82
  7. Feb 19, 20268-K Other events83
  8. Jan 27, 20268-K Results of operations84
  9. Jan 27, 20268-K Regulation FD disclosure85
  10. Nov 21, 20258-K Other events86
  11. Oct 24, 20258-K Regulation FD disclosure87
  12. Oct 22, 20258-K Results of operations; Other events88
  13. Jun 20, 2025New chief executive Laura L. Ekizian becomes CEO19
  14. Apr 12, 2022New chief executive Monte C. McNew becomes CEO20
  15. Sep 4, 2018New chief executive Kurt A. Gibson becomes CEO21
  16. Feb 5, 2014New chief executive Thomas D. Budd becomes CEO23
  17. Feb 5, 2014New chief executive Larry J. Helling becomes CEO22
  18. Jul 1, 2011New chief executive Douglas M. Hultquist becomes CEO24
  19. 1993Founded Founded1

Calendar

Coming up

  1. Around Oct 21, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 22, 2026Reported quarterly or annual results79
  2. Apr 22, 2026Reported quarterly or annual results81
  3. Jan 27, 2026Reported quarterly or annual results84
  4. Oct 22, 2025Reported quarterly or annual results88
  5. Jul 23, 2025Reported quarterly or annual results89
  6. Apr 22, 2025Reported quarterly or annual results90
  7. Jan 22, 2025Reported quarterly or annual results91
  8. Oct 23, 2024Reported quarterly or annual results92

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

405 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 72 major events, 243 insider forms, 11 large holders, 4 private raises, 55 other. The latest 20:

  1. Aug 24, 20268-K EDGAR
  2. Aug 7, 202610-Q EDGAR
  3. Aug 5, 20264 PRIMARY DOCUMENT EDGAR
  4. Aug 5, 20264 PRIMARY DOCUMENT EDGAR
  5. Jul 22, 20268-K EDGAR
  6. Jul 22, 20268-K EDGAR
  7. Jun 29, 202611-K EDGAR
  8. Jun 10, 20264 PRIMARY DOCUMENT EDGAR
  9. Jun 10, 20264 PRIMARY DOCUMENT EDGAR
  10. Jun 8, 20264 PRIMARY DOCUMENT EDGAR
  11. Jun 5, 20264 PRIMARY DOCUMENT EDGAR
  12. Jun 3, 20264 PRIMARY DOCUMENT EDGAR
  13. May 26, 20268-K EDGAR
  14. May 22, 2026S-3ASR EDGAR
  15. May 8, 202610-Q EDGAR
  16. May 6, 2026SCHEDULE 13G/A EDGAR
  17. Apr 30, 20264 PRIMARY DOCUMENT EDGAR
  18. Apr 24, 20264 PRIMARY DOCUMENT EDGAR
  19. Apr 22, 20268-K EDGAR
  20. Apr 22, 20268-K EDGAR

The 405 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

56 open-market trades by officers, directors and large owners since October 2021: 40 buys and 16 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 9, 2026Ekizian Laura LPresident & CEO, QCBTSale750$94.96$71.2KForm 4
Jun 2, 2026Reasner Amy LDirectorBuy60$90.25$5.4KForm 4
Apr 30, 2026Klein James D.President, CRBTSale310$91.00$28.2KForm 4
Apr 23, 2026Reasner Amy LDirectorBuy100$88.35$8.8KForm 4
Mar 12, 2026Klein James D.President, CRBTSale554$82.50$45.7KForm 4
Jan 30, 2026GIPPLE TODD APresident & CFOSale8,590$89.92$772.4KForm 4
Sep 5, 2025Ekizian Laura LPresident & CEO, QCBTSale333$80.00$26.6KForm 4
Aug 26, 2025Ekizian Laura LPresident & CEO, QCBTSale1,000$80.00$80.0KForm 4
May 12, 2025Klein James D.President, CRBTSale428$60.74$26.0KForm 4
Apr 28, 2025HELLING LARRY JCEO, QCRH & CRBTBuy1,000$64.53$64.5KForm 4
Mar 14, 2025Klein James D.President, CRBTSale630$73.40$46.2KForm 4
Jan 29, 2025Lee Nicole AEVP, Chief HR OfficerBuy1,094$78.47$85.8KForm 4
Oct 30, 2024Anderson Nick WSVP, Chief Accounting OfficerSale675$81.93$55.3KForm 4
Oct 17, 2024Ziegler Marie Z.DirectorBuy80$81.38$6.5KForm 4
Apr 18, 2024Ziegler Marie Z.DirectorBuy118$55.54$6.6KForm 4
Feb 5, 2024HELLING LARRY JCEO, QCRH & CRBTBuy1,000$56.00$56.0KForm 4
Jan 26, 2024GIPPLE TODD APresident & CFOSale6,791$61.00$414.3KForm 4
Jan 18, 2024Ziegler Marie Z.DirectorBuy119$54.79$6.5KForm 4
Oct 31, 2023HELLING LARRY JCEO, QCRH & CRBTBuy1,000$48.00$48.0KForm 4
Oct 19, 2023Ziegler Marie Z.DirectorBuy133$49.00$6.5KForm 4

All 56 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Laura L. EkizianPresident and CEO of Quad City Bank$265.0K$560.9K97
2025Nick W. AndersonSVP and CFO$195.8K$360.0K97

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Money received by year$170.0M 2022–2025
Money received by yearMoney received by year, 2022–2025: $170.0M in all. Private raises (Form D) $170.0M.$0$25M$50M$75M$100M2022 · Private raises (Form D): $100.0M2022202320242025 · Private raises (Form D): $70.0M2025
Figures by year
YearPrivate raises (Form D)Total
2025$70.0M$70.0M
2022$100.0M$100.0M

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

  1. Sep 15, 2025Raised $20 million in a private offering of debt75 Form D: 1 investor so far Form D
  2. Sep 15, 2025Raised $50 million in a private offering of debt98 Form D: 1 investor so far Form D
  3. Aug 18, 2022Raised $45 million in a private offering of debt76 Form D: 28 investors so far Form D
  4. Aug 18, 2022Raised $55 million in a private offering of debt99 Form D: 2 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.1,494,502$145.5M0.0%+112,985
Dimensional Fund Advisors LP945,891$92.1M0.0%−12,161
Fmr LLC915,872$89.2M0.0%+40
Vanguard Capital Management LLC710,757$69.2M0.0%+3,058
State Street Corp565,893$55.1M0.0%+52,225
Kennedy Capital Management LLC565,484$55.0M1.0%−100,817
Geode Capital Management, LLC440,660$42.9M0.0%+23,596
Endeavour Capital Advisors Inc390,758$38.0M7.8%−18,948
Victory Capital Management Inc378,112$36.8M0.0%+14,111
American Century Companies Inc370,147$36.0M0.0%+3,434
Schroder Investment Management Group290,304$28.1M0.0%+33,830
Wellington Management Group Llp284,295$27.7M0.0%+44,106
Jpmorgan Chase & Co279,062$27.0M0.0%−4,819
Fuller & Thaler Asset Management, Inc.246,312$24.0M0.1%+105,038
Qube Research & Technologies Ltd212,146$20.7M0.0%+16,898
Manufacturers Life Insurance Company, The203,734$19.8M0.0%−1,743
Renaissance Technologies LLC185,172$18.0M0.0%−19,999
Silvercrest Asset Management Group LLC181,185$17.6M0.1%−14,717
Northern Trust Corp173,774$16.9M0.0%+516
Bridgeway Capital Management, LLC154,340$15.0M0.3%−2,076
Vanguard Portfolio Management LLC147,520$14.4M0.0%+17,042
Charles Schwab Investment Management Inc138,179$13.5M0.0%+1,892
Two Sigma Investments, LP116,041$11.3M0.0%+50,332
Goldman Sachs Group Inc110,124$10.7M0.0%+20,984
Vanguard Fiduciary Trust Co109,043$10.6M0.0%+2,260

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

1 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Mar 31, 2021Ashley Hinson ArenholzRepublican, HouseSale$1,001 - $15,000−14.5%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How QCR Holdings is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARQCR HOLDINGS INC2
  • CIK0000906465
  • Employer ID (EIN)42-139759518
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company18
  • Incorporated inDelaware18
  • Fiscal year endsDecember 312
  • Industry code (SIC)6022 State Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address3551 7Th Street, Moline, IL 612652
  • Phone30973635802
  • Shares outstanding16,375,614 as of Jul 31, 202616
  • Public float$1.1B as of Jun 30, 202518
  • AuditorRSM US LLP, Davenport, Iowa PCAOB ID 49; it also attests to the company’s internal control over financial reporting18
  • On EDGAR sinceSep 18, 19962
  • Filings2,225 in all: 4 (1,028), 8-K (379), 5 (355), 10-Q (85), 3 (43), DEF 14A (30), 10-K (29), 11-K (25)2
    All 51 form types

    4/A (24), CORRESP (24), SC 13G/A (24), UPLOAD (23), DEFA14A (15), 425 (13), ARS (13), EFFECT (11), S-8 (11), PRE 14A (9), SC 13G (8), D (7), S-3 (6), 10QSB (5), 424B3 (5), S-4 (5), 424B5 (4), 3/A (3), 8-K/A (3), FWP (3), S-3/A (3), S-4/A (3), SCHEDULE 13G/A (3), 10-K/A (2), 10KSB (2), 5/A (2), 8-A12G/A (2), REGDEX (2), S-3ASR (2), 10-Q/A (1), 144 (1), 305B2 (1), 424B1 (1), 424B2 (1), 8-A12B (1), 8-A12G (1), NT 10-K (1), NT 11-K (1), POS AM (1), PRER14A (1), REGDEX/A (1), S-2 (1), S-3D (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 9, 2026
    Latest 8-K (8-K) Aug 24, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $1.00 Par ValueQCRHThe Nasdaq Global Market

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).18

Risk factors and legal proceedings

The risks QCR Holdings names in Item 1A of its 10-K filed Feb 27, 2026: 43 risks under these headings, as written.18

  • Economic, Market and Interest Rate Risks
  • Regulatory and Legal Risks
  • Credit and Lending Risks
  • Capital and Liquidity Risks
  • Competitive and Strategic Risks
  • Accounting and Tax Risks
  • Operational Risks
  • Conditions in the financial market and economic conditions, including conditions in the markets in which we operate, generally may adversely affect our business.
  • Interest rates and other conditions impact our results of operations.
  • Monetary policies and regulations of the Federal Reserve could adversely affect our business, financial condition and results of operations.
  • Declines in asset values may result in impairment charges and adversely affect the value of our investments, financial performance and capital.
  • The stock market can be volatile, and fluctuations in our operating results and other factors could cause our stock price to decline.
The other 38 risks
  • Secondary mortgage, government guaranteed loan and interest rate swap market conditions could have a material impact on our financial condition and results of operations.
  • Our hedging strategies may not be successful in mitigating our exposure to interest rate risk.
  • Unexpected early termination of interest rate swap agreements may affect earnings.
  • If interest rate swaps we entered into prove ineffective, it could result in volatility in our operating results, including potential losses, which could have a material adverse effect on our results of operations and cash flows.
  • If we suffer losses on our interest rate contracts, our business, financial condition and prospects may be negatively affected, and our net income will decline.
  • Interest rate swaps expose the Company to certain risks, and may not be effective in mitigating exposure to changes in interest rates.
  • Elevated levels of inflation could adversely impact our business and results of operations.
  • Labor shortages and failure to attract and retain qualified employees could negatively impact our business, results of operations and financial condition.
  • We may be materially and adversely affected by the highly regulated environment in which we operate.
  • We are required to maintain capital to meet regulatory requirements, and if we fail to maintain sufficient capital, whether due to losses, an inability to raise additional capital or otherwise, our financial condition, liquidity and results of operations, as well as our ability to maintain regulatory compliance, would be adversely affected.
  • Climate change and related legislative and regulatory initiatives may result in operational changes and expenditures that could significantly impact our business.
  • Legal, regulatory and policy changes may directly affect financial institutions and the global economy.
  • Evolving law impacting cannabis-related businesses in Illinois, Missouri and other states may have an impact on the Company's operations and risk profile.
  • We must effectively manage our credit risk.
  • C&I loans make up a large portion of our loan/lease portfolio.
  • Our loan/lease portfolio has a significant concentration of CRE loans, which involve risks specific to real estate values.
  • Liquidity risks could affect operations and jeopardize our business, results of operations and financial condition.
  • As a bank holding company, our sources of funds are limited.
  • Our allowance for credit losses may prove to be insufficient to absorb losses in our loan/lease portfolio.
  • We face intense competition in all phases of our business from other banks, financial institutions and non-bank financial services providers, including digital asset service providers.
  • Potential future acquisitions could be difficult to integrate, divert the attention of key personnel, disrupt our business, dilute stockholder value and adversely affect our financial results.
  • New lines of business or new products and services may subject us to additional risks.
  • If securities or industry analysts do not publish or cease publishing research reports about us, if they adversely change their recommendations regarding our stock or if our operating results do not meet their expectations, the price of our stock could decline.
  • Our reputation could be damaged by negative publicity.
  • The soundness of other financial institutions could adversely affect us.
  • The preparation of our Consolidated Financial Statements requires us to make estimates and judgments, which are subject to an inherent degree of uncertainty and which may differ from actual results.
  • The Company's information systems or those of its third-party partners may experience an interruption, failure or breach in security and cyber-attacks, all of which could have a material adverse effect on the Company's business.
  • System failure or breaches of our or our third-party partners’ network security could subject us to increased operating costs as well as litigation and other liabilities.
  • We are subject to certain operational risks, including, but not limited to, customer or employee misconduct or fraud and data processing system failures and errors.
  • The success of our SBA lending program is dependent upon the continued availability of SBA loan programs, our status as a preferred lender under the SBA loan programs and our ability to comply with applicable SBA lending requirements.
  • Our community banking strategy relies heavily on our subsidiaries’ independent management teams, and the unexpected loss of key managers may adversely affect our operations.
  • Competition for qualified members of our workforce is intense, and we may not be able to attract and retain the personnel we need to support our business.
  • Our enterprise risk management practices may not be effective in mitigating risk and reducing the potential for losses.
  • We have a continuing need for technological change, and we may not have the resources to effectively implement new technology.
  • Issues with the use of artificial intelligence in our marketplace may result in reputational harm or liability, or could otherwise adversely affect our business.
  • We have a substantial amount of debt outstanding and may incur additional indebtedness in the future, which could restrict our operations.
  • Severe weather, natural disasters, pandemics, acts of terrorism or war or other adverse external events could significantly impact the Company's business.
  • The Company is or may become involved from time to time in suits, legal proceedings, information-gathering requests, investigations, and proceedings by governmental and self-regulatory agencies that may lead to adverse consequences.

Legal proceedings

There are no material pending legal proceedings to which the Company or any of its subsidiaries is a party other than ordinary routine litigation incidental to their respective businesses.

The opening of Item 3, Legal Proceedings.18

Sources

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