QCR Holdings Inc
qcrh.q4ir.comWhat Do They Do?
Provides commercial and consumer banking, trust and asset management services to businesses, individuals and government agencies.
10-K for FY2025, filed Feb 27, 2026General. QCR Holdings, Inc. is a multi-bank holding company headquartered in Moline, Illinois, that was formed in February 1993 under the…View ↗
Business. The Company’s principal business consists of attracting deposits and investing those deposits in loans/leases and securities. The…View ↗
Lending. The Company and its subsidiaries provide a broad range of commercial and retail lending and investment services to corporations…View ↗
How Do They Make Money?
The banks earn interest on loans and securities and pay interest on deposits and borrowings. They collect trust and investment fees over account service periods and deposit fees monthly or when customers request an extra service.
10-K for FY2025, filed Feb 27, 2026Business. The Company’s principal business consists of attracting deposits and investing those deposits in loans/leases and securities. The…View ↗
Trust and Investment advisory and management fees: This is a contract between the Company and its customers for fiduciary and/or investment…View ↗
Deposit service fees: The deposit contract obligates the Company to serve as a custodian of the customer's deposited funds and is generally…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service ↗
$489.4M
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10-K for FY2025, filed Feb 27, 2026
$489.4M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Trust fees
Recurring
10-K for FY2025, filed Feb 27, 2026 |
38%
FY2022: 2.9%
|
Trust fees, FY2025
$14.4M Sources
|
Recurring |
|
Investment advisory and management fees
Recurring
10-K for FY2025, filed Feb 27, 2026 |
15%
FY2022: 1.0%
|
Investment advisory and management fees, FY2025
$5.5M Sources
|
Recurring |
|
Deposit service fees
|
23%
FY2022: 2.2%
|
Deposit service fees, FY2025
$8.7M Sources
|
|
|
Debit card fees
Usage-based
10-K for FY2025, filed Feb 27, 2026 |
17%
FY2022: 1.5%
|
Debit card fees, FY2025
$6.4M Sources
|
Usage-based |
|
Correspondent banking fees
|
7.1%
FY2022: 0.3%
|
Correspondent banking fees, FY2025
$2.7M Sources
|
Who Are Their Customers?
The subsidiary banks solicit local businesses, individuals and government agencies directly for loans and deposits.
10-K for FY2025, filed Feb 27, 2026Lending. The Company and its subsidiaries provide a broad range of commercial and retail lending and investment services to corporations…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 26 cents of every revenue dollar as net income in FY2025 and turned 72 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
Growing. Revenue grew 63% in 4 years, from $300.6M in FY2021 to $489.4M in FY2025, about 13% a year.
Equipment lending and leasing
The older report describes a subsidiary lending and leasing machinery and equipment to businesses; the latest says it stopped offering new loans and leases through that subsidiary.
10-K for FY2022, filed Mar 1, 2023 10-K for FY2025, filed Feb 27, 2026Other Operating Subsidiaries. m2, which is based in Brookfield, Wisconsin, is engaged in the business of lending and leasing machinery and…View ↗
Other Operating Subsidiaries. m2, which is based in Waukesha, Wisconsin, is engaged in the business of lending and leasing machinery and…View ↗
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