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Dec 31, 2025
QCR Holdings Q4 2025 Earnings Report
QCR Holdings reported strong Q4 2025 results, with net income of $35.7 million and solid performance across net interest income, capital markets revenue, and lending.
Key Takeaways
QCR Holdings delivered a robust Q4 2025, supported by record capital markets revenue, improved NIM, and solid loan growth. Adjusted EPS reached $2.21, and nonperforming assets remained stable at 0.45% of total assets.
Net income reached $35.7 million; adjusted net income was $37.3 million.
Capital markets revenue hit $24.5 million in Q4.
Net interest income totaled $68.4 million with a TEY NIM of 3.57%.
Efficiency ratio stood at 58.73%, with adjusted ratio at 56.84%.
Revenue by Segment
Forward Guidance
QCR anticipates continued NIM expansion and guided capital markets revenue between $55–70 million over the next four quarters, with loan growth expected to accelerate.
Positive Outlook
- Capital markets revenue guidance increased to $55–70 million for next four quarters
- Q1 2026 NIM TEY expected to increase 3–7 basis points
- Strong LIHTC lending pipeline positions for growth
- Core deposit growth remains strong with improved deposit mix
- Loan growth expected to be 8–10% in Q1 and 10–15% in remaining 2026
Challenges Ahead
- Noninterest expenses rose due to debt extinguishment and digital transformation costs
- Efficiency ratio ticked higher to 58.73%
- Brokered deposits still represent 3% of total, though reduced
- Slight increase in provision for credit losses to $5.5 million
Historical Earnings Impact
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Avg. Return Before/After Earnings
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