QCR Holdings Inc (NASDAQ: QCRH) is a multi-bank holding company headquartered in Moline, Illinois, that operates four wholly-owned commercial banking subsidiaries serving communities across the Midwest. The company makes money through net interest income on loans and leases, fee-based trust and asset management services, and equipment financing originated through its m2 subsidiary based in Waukesha, Wisconsin. Formed in February 1993 under Delaware law and elected to operate as a financial holding company in 2016, QCR Holdings organizes its commercial banking business into four geographic operating segments corresponding to its four subsidiary banks: QCBT, CRBT, CSB, and GB. These subsidiaries provide full-service commercial and consumer banking alongside trust and asset management services. The m2 subsidiary conducts direct financing lease contracts and equipment financing agreements. QCR Holdings reports financials on a calendar fiscal year basis, with the most recent 10-K filed February 27, 2026, covering the fiscal year ended December 31, 2025.

Revenue model

Net interest income from commercial loans, leases, and deposits; noninterest income from trust and asset management services; equipment financing and direct lease income through the m2 subsidiary.

Products and services

Full-service commercial banking, consumer banking, trust and asset management, direct financing lease contracts, equipment financing agreements (via m2 subsidiary).

Customers and end markets

Commercial and consumer banking customers in the Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, Des Moines/Ankeny, and Springfield communities; equipment financing customers served through m2 in Waukesha, Wisconsin.

Value-chain role

Regional bank holding company and direct lender; provides deposit-taking, commercial lending, equipment financing, and trust/asset management services to businesses and individuals in Midwest markets.

Geographic exposure

Primarily Midwest United States: Quad Cities (Illinois/Iowa), Cedar Rapids (Iowa), Waterloo/Cedar Falls (Iowa), Des Moines/Ankeny (Iowa), Springfield (Illinois), and Waukesha (Wisconsin) for equipment financing.

Source: SEC 10-K, filed 2026-02-27

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