QCR (QCRH) investor relations material

Executive summary

• Net income for Q2 2026 was $36.3 million, up from $33.4 million in Q1 2026 and $29.0 million in Q2 2025, with diluted EPS of $2.19, a 28% year-over-year increase and record GAAP EPS.

• Midwest-based bank holding company with $9.5B in assets, operating 35 locations across three states and employing about 1,000 people.

• Robust loan production, higher net interest income, and a rebound in capital markets revenue drove performance.

• Wealth management delivered 9% AUM growth and 7% revenue growth sequentially.

• Tangible book value per share grew $2.17, or 15% annualized, on a linked-quarter basis.

Financial highlights

• Net interest income for Q2 2026 was $68 million, up 3% annualized from Q1; average earning assets increased $46 million.

• Noninterest income totaled $29.4 million, with $16.7 million from capital markets and $6 million from wealth management.

• Efficiency ratio improved 310 bps to 54.6%; non-interest expense was $53.2 million, below guidance.

• Tangible book value per share: $61.35 as of 6/30/26.

• Common equity Tier 1 ratio at 10.68%; total risk-based capital ratio at 14.13%.

Outlook and guidance

• Gross loan growth guidance reaffirmed at 10%-15% annualized for the remainder of 2026.

• Capital markets revenue guidance maintained at $60-$70 million for the next four quarters.

• Noninterest expense guidance for Q3 set at $54-$57 million, with annual growth targeted below 5%.

• Effective tax rate expected to trend between 8%-10% in Q3 2026.

• Strategic focus on disciplined M&A and organic expansion.