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
- • Strategic emphasis on reducing higher-cost wholesale funding reliance, including FHLB advances and brokered deposits, to lower interest expense
- • Stockholders’ equity increased to $1.11 billion in 2025 from $997 million in 2024; $21.6 million of common stock repurchased under new 1.7 million share repurchase program
- • Noteworthy capital projects include $66.5 million new corporate HQ and branch in Bettendorf initiated in 2025 with $55.9 million still committed for 2026-2027 completion
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
- • Segment performance: Capital markets revenue $64.7M strong but declined vs prior period due to swap fees; core deposit growth 7%, loan growth 12% excluding certain loan sales
- • Cash flow/capex: No specific buyback, dividend, or capex figures disclosed in excerpt
- • Forward outlook: Management notes macroeconomic uncertainty affects capital markets revenue but expects continued strong fee income from affordable housing markets
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
- • Dependence on third-party vendors for IT systems vulnerable to sophisticated AI-driven cybersecurity attacks
- • Competitive threat from fintech companies and digital asset service providers gaining market share
- • Concentration risk from large deposits exceeding FDIC insurance limits risking sudden withdrawals
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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