Bettendorf, IA · Cert 33867 · QCR Holdings Inc.
State charter, Fed member · FED · 3 affiliate banks · 5 branches (37 in holding)
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 22.7% share · #1 of 29 inst. · $2.4B of $10.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 1.11% | 1.28% | 1.22% | 1.23% | 1.42% | 1.34% | 1.61% | +39 bps | |
| Return on Equity | 7.20% | 10.13% | 11.97% | 11.22% | 11.23% | 12.92% | 12.65% | 15.13% | +391 bps | |
| Net Interest Margin | 2.93% | 2.96% | 2.85% | 2.86% | 2.83% | 2.78% | 2.69% | 2.65% | -21 bps | |
| Efficiency Ratio | 66.39% | 58.82% | 54.51% | 54.09% | 56.17% | 56.16% | 53.96% | 52.83% | -126 bps | |
| Non-Interest Burden | 1.75% | 1.42% | 1.19% | 1.18% | 1.18% | 1.21% | 1.07% | 0.97% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.88% | 5.72% | 6.27% | 4.22% | 9.75% | 4.75% | 12.00% | 4.80% | +58 bps | |
| Loan Growth (YoY) | 4.24% | 3.12% | -0.24% | -3.58% | 1.34% | -0.88% | 0.35% | -6.71% | -313 bps | |
| Deposit Growth (YoY) | 11.73% | 13.21% | 10.90% | 9.97% | 9.16% | 8.26% | 13.75% | 3.63% | -634 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.90% | 0.90% | 0.72% | 0.62% | 0.67% | 0.56% | 0.51% | -22 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.40% | 0.46% | 0.90% | 0.52% | 0.48% | 0.54% | 0.46% | -44 bps | |
| Allowance / Loans | 1.47% | 1.49% | 1.44% | 1.32% | 1.24% | 1.31% | 1.21% | 1.17% | -15 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.6x | 1.6x | 1.8x | 2.0x | 2.0x | 2.2x | 2.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.19% | 11.41% | 11.56% | 11.70% | 11.17% | 10.65% | 10.94% | 11.01% | -69 bps | |
| Total Risk-Based Capital | 13.23% | 13.65% | 13.98% | 14.33% | 13.65% | 14.33% | 13.97% | 15.35% | +102 bps | |
| Equity / Assets | 10.92% | 10.93% | 10.50% | 11.25% | 10.74% | 11.29% | 9.95% | 11.36% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.80% | 96.35% | 85.15% | 87.97% | 88.01% | 88.21% | 75.13% | 79.20% | -878 bps | |
| Liquid Assets / Assets | 9.25% | 11.53% | 12.76% | 10.78% | 10.19% | 10.12% | 8.61% | 16.65% | +587 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 359% | 338% | 344% | n/a | n/a | |