QCRH QCR HOLDINGS INC
FY2025 10-K
QCR HOLDINGS INC (QCRH) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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