QCR (QCRH) investor relations material

Executive summary

• Q3 2026 net income was $36.4 million; diluted EPS was a record $2.21 and ROAA was 1.52%.

• Results reflected margin expansion, loan growth and improved asset quality; loans and leases remained $7.2 billion after strategic sales and securitizations.

• 9M net income was $106.1 million and diluted EPS was $6.39, versus $91.5 million and $5.38 in 9M 2025.

Financial highlights

• Q3 net interest income was $68.7 million, up $0.8 million QoQ and 6% YoY; 9M net interest income was $204.0 million, up 9% YoY.

• Noninterest income was $30.5 million vs. $29.4 million QoQ; Q3 capital markets revenue was $16.9 million, down from $23.8 million YoY, while 9M revenue rose to $43.0 million from $40.2 million.

• Noninterest expense was $54.7 million, up from $53.2 million QoQ but down 3% YoY; YTD revenue growth of 9.3% exceeded expense growth of 4.8%.

• 9M provision for credit losses declined to $11.6 million from $12.6 million in 9M 2025, primarily due to improved loan quality.

Outlook and guidance

• Q4 gross loan growth guidance was reaffirmed at 10%–15% annualized; long-term targets are loan and lease growth above 9%, fee income growth above 6% and expense growth below 5%.

• Capital markets revenue guidance was reaffirmed at $18–$20 million in Q4 and $60–$70 million over the next four quarters; Q4 NIM TEY is expected to remain relatively static absent further Fed rate changes.

• Q4 noninterest expense guidance was reaffirmed at $54–$57 million, with an expected effective tax rate of 8%–10%.

• Management plans to grow quality loans and private-placement tax-exempt securities while managing credit and interest-rate risk.