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Sep 30
QCR Holdings Q3 2025 Earnings Report
QCR Holdings posted record net income for Q3 2025, driven by strong capital markets performance, margin expansion, and robust loan growth.
Key Takeaways
QCR Holdings delivered record-breaking net income of $36.7 million in Q3 2025, supported by a rebound in capital markets revenue and improved net interest margins. Revenue and EPS both grew sequentially, reflecting strong operational execution and lending activity.
Achieved record net income of $36.7 million and adjusted net income of $36.9 million.
Capital markets revenue surged to $23.8 million, up 141% sequentially.
Net interest margin (TEY) rose to 3.51%, exceeding guidance range.
Loan and lease portfolio grew to $7.18 billion, with strong LIHTC and traditional lending.
QCR Holdings
QCR Holdings
QCR Holdings Revenue by Segment
Revenue by Segment
Capital Markets Revenue
CapyFin.comWealth Management Revenue
CapyFin.com Forward Guidance
QCR anticipates continued NIM expansion, healthy capital markets revenue, and solid loan growth into Q4 2025.
Positive Outlook
- Guiding to 3–7 bps increase in NIM (TEY) for Q4.
- Capital markets revenue expected to reach $55–65M over next 4 quarters.
- Loan growth guidance of 10%–15% for Q4.
- Core deposits remain strong and increasing.
- Expense control supported by variable compensation structure.
Challenges Ahead
- Noninterest expense expected to rise to $52–$55M in Q4 due to digital transformation costs.
- Continued runoff of higher-risk m2 portfolio could offset new loan growth.
- Capital ratios slightly declined due to loan growth and share repurchases.
- Slight increase in provision for credit losses to $4.3M in Q3.
- Potential for margin pressure if Fed policy shifts unexpectedly.