Ankeny, IA · Cert 18272 · QCR Holdings Inc.
State charter, Fed member · FED · 3 affiliate banks · 10 branches (37 in holding)
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 3.3% share · #7 of 57 inst. · $1.3B of $38.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.32% | 1.07% | 1.19% | 1.26% | 1.21% | 1.33% | 1.34% | +15 bps | |
| Return on Equity | 12.11% | 11.99% | 9.43% | 10.46% | 11.10% | 10.65% | 11.64% | 11.65% | +119 bps | |
| Net Interest Margin | 3.04% | 3.04% | 3.09% | 3.08% | 3.05% | 2.96% | 3.17% | 3.15% | +7 bps | |
| Efficiency Ratio | 59.99% | 60.14% | 60.02% | 60.37% | 60.33% | 61.34% | 58.76% | 59.69% | -69 bps | |
| Non-Interest Burden | 1.70% | 1.70% | 1.72% | 1.73% | 1.69% | 1.70% | 1.70% | 1.73% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.95% | 8.09% | 10.21% | 5.08% | 11.21% | 12.79% | 10.34% | 9.08% | +400 bps | |
| Loan Growth (YoY) | 5.76% | 5.47% | 7.54% | 3.79% | 9.26% | 10.49% | 10.06% | 7.00% | +321 bps | |
| Deposit Growth (YoY) | 12.04% | 7.44% | 4.24% | 7.05% | 2.14% | 6.76% | 6.05% | -0.71% | -776 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.07% | 0.59% | 0.45% | 0.01% | 0.15% | 0.19% | 0.19% | -25 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | -0.04% | -0.02% | 0.05% | 0.04% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.02% | 0.98% | 1.08% | 1.09% | 0.97% | 1.06% | 0.95% | 1.00% | -8 bps | |
| Allowance Coverage of NPLs | 8.5x | 14.0x | 1.8x | 2.4x | 96.8x | 6.8x | 4.9x | 5.2x | +2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.47% | 11.72% | 11.74% | 11.75% | 11.72% | 11.42% | 11.92% | 11.67% | -8 bps | |
| Total Risk-Based Capital | 12.91% | 12.94% | 12.97% | 13.06% | 12.52% | 12.65% | 12.62% | 12.74% | -32 bps | |
| Equity / Assets | 11.32% | 11.38% | 11.27% | 11.41% | 11.34% | 11.38% | 11.52% | 11.57% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.54% | 92.24% | 96.66% | 94.85% | 97.93% | 95.46% | 100.32% | 102.21% | +736 bps | |
| Liquid Assets / Assets | 13.47% | 14.27% | 14.54% | 14.59% | 14.24% | 13.75% | 13.75% | 13.84% | -76 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 469% | 464% | 462% | n/a | n/a | |