QCR HOLDINGS INC (QCRH) FY2025 10-K Annual Report
QCR HOLDINGS INC (QCRH) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
QCR HOLDINGS INC FY2025 10-K Analysis
Business Overview
- • Core business model: Community banking with diversified loan, deposit, and funding services primarily through subsidiary banks
- • New securitization of $200.3 million held-to-maturity municipal securities via Class A/B certificates in August 2025, treated as secured borrowing
Management Discussion & Analysis
- • Revenue: Net interest income $255.2M up 10.1% YoY (+$23.4M); noninterest income $114.3M down 1.0% YoY (-$1.2M)
- • Profitability: Net income $127.2M vs $113.9M YoY; diluted EPS $7.49 vs $6.71; operating margin data not explicitly provided
Risk Factors
- • Risk of regulatory changes from FASB, SEC, PCAOB impacting accounting policies and practices
- • Exposure to macroeconomic instability from Russian invasion of Ukraine and Middle East conflicts
QCR HOLDINGS INC FY2025 Key Financial MetricsXBRL
Revenue
$489M
▲ +1.6% YoY
Net Income
$127M
▲ +11.7% YoY
Net Margin
26.0%
▲ +236bp YoY
ROE
11.4%
▲ +2bp YoY
Total Assets
$9.6B
▲ +6.1% YoY
EPS (Diluted)
$7.49
▲ +11.6% YoY
Operating Cash Flow
$422M
▼ -5.2% YoY
Source: XBRL data from QCR HOLDINGS INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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