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QCR (QCRH) investor relations material
QCR Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Achieved record quarterly net income of $36.7 million and diluted EPS of $2.16 for Q3 2025, up 26% sequentially and 32% year-over-year, with adjusted net income of $36.9 million or $2.17 per share, driven by strong performance across all core business lines and a rebound in capital markets revenue.
Midwest-based bank holding company with $9.6B in assets and $7.0B in wealth management AUM as of 9/30/25, operating 36 locations across three states.
Diversified business lines, including specialty finance, wealth management, and correspondent banking, drive strong noninterest income and consistent top-tier financial performance.
Robust organic growth in traditional banking, wealth management, and LIHTC lending platforms, supported by digital transformation and operational efficiency improvements.
Outperformed proxy peers in EPS, tangible book value, and stock price growth.
Financial highlights
Net interest income for Q3 2025 was $64.8 million, up $2.7 million or 18% annualized from Q2 2025 and 9% year-over-year.
Noninterest income totaled $37 million, with capital markets revenue up 141% sequentially to $23.8 million and wealth management revenue up 8% sequentially and 15% annualized year-over-year.
Efficiency ratio improved to 55.8%, the lowest in four years.
Tangible book value per share rose $2.50 to $55.78, reflecting 19% annualized growth for the quarter and a 12% CAGR since 2020.
Loans grew to $7.2B, with 11.4% CAGR since 2020; commercial loans represent 92% of the portfolio.
Outlook and guidance
Guiding to gross annualized loan growth of 10%-15% for Q4 2025.
Capital markets revenue guidance increased to $55–$65 million over the next four quarters.
Expecting NIM TEY to expand by 3–7 basis points in Q4 2025, with additional accretion possible from further Fed rate cuts.
Noninterest expense guidance for Q4 set at $52–$55 million, including digital transformation costs.
Long-term targets include 9% annual loan/lease growth, 6% annual fee income growth, and limiting annual operating expense growth to 5%.
When will digital transformation savings materialize?
Explain LIHTC loan sale NII impact.
What drives the opportunistic share repurchase plan?
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Q4 202523 Jan, 2026
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Frequently asked questions
QCR Holdings Inc. is a multi-bank holding company that provides commercial and consumer banking services through its subsidiary banks. The company offers deposit accounts, commercial and industrial loans, real estate loans, and treasury management services. It also provides trust and asset management services to individuals and institutions. The company is headquartered in Moline, Illinois, and its shares are listed on the NASDAQ.
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