Qcr Holdings Inc (NASDAQ: QCRH)

QCR Holdings, Inc. is a multi bank holding company headquartered in Moline Illinois. The company was formed in February 1993 under Delaware law and elected to operate as a financial holding company in 2016. It provides full service commercial and consumer banking along with trust and asset management services through four wholly owned banking subsidiaries that serve the Quad Cities Cedar Rapids Waterloo Cedar Falls Des Moines Ankeny and Springfield Joplin markets.

The company generates revenue primarily from net interest income which is the difference between interest earned on loans leases and securities and interest paid on deposits and borrowings. Additional revenue streams include trust fees investment advisory and management fees deposit service charges capital markets revenue gains on the sale of residential real estate and government guaranteed loans and earnings from bank owned life insurance and other noninterest income.

The company operates through the following segments: Quad City Bank & Trust Cedar Rapids Bank & Trust Community State Bank and Guaranty Bank.

• Quad City Bank & Trust based in Bettendorf Iowa provides full service commercial correspondent and consumer banking plus trust and asset management services through five offices in Bettendorf Davenport Iowa and Moline Illinois and together with its leasing subsidiary m2 reported segment assets of 2.71 billion dollars as of December 31 2025.

• Cedar Rapids Bank & Trust headquartered in Cedar Rapids Iowa delivers full service commercial and consumer banking along with trust and asset management services via eight facilities serving Cedar Rapids Marion Waterloo and Cedar Falls and reported segment assets of 2.86 billion dollars as of December 31 2025.

• Community State Bank located in Ankeny Iowa offers full service commercial and consumer banking to Des Moines and surrounding areas through its headquarters and eight branch offices and reported segment assets of 1.72 billion dollars as of December 31 2025.

• Guaranty Bank based in Springfield Missouri provides full service commercial and consumer banking to the Springfield Joplin region and surrounding communities through its headquarters and thirteen branch offices and reported segment assets of 2.41 billion dollars as of December 31 2025.

The company holds a competitive position in the Midwest banking market where it faces rivalry from other commercial banks credit unions thrift institutions insurance companies fintech firms and larger national banks. Its advantages stem from deep local relationships a diversified loan and lease portfolio a strong capital base and the ability to offer a full suite of banking and wealth management services to businesses and individuals.

The company serves a broad range of customers including corporations partnerships individuals and government agencies. Its lending focus is on small and mid sized businesses as well as consumers seeking home equity auto and other personal loans. Specific customer names are not disclosed in the filing.