Cedar Rapids, IA · Cert 57244 · QCR Holdings Inc.
State charter, Fed member · FED · 3 affiliate banks · 9 branches (37 in holding)
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 22.1% share · #1 of 35 inst. · $1.9B of $8.8B
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 | 2.48% | 3.11% | 2.08% | 2.33% | 3.23% | 3.64% | 2.43% | 3.00% | +67 bps | |
| Return on Equity | 16.06% | 19.57% | 12.62% | 13.82% | 19.35% | 22.25% | 14.74% | 17.95% | +413 bps | |
| Net Interest Margin | 2.94% | 3.00% | 3.03% | 3.05% | 3.10% | 3.08% | 3.10% | 3.16% | +11 bps | |
| Efficiency Ratio | 41.55% | 36.51% | 47.10% | 43.77% | 37.20% | 36.32% | 42.26% | 38.93% | -485 bps | |
| Non-Interest Burden | -0.19% | -0.87% | 0.77% | 0.27% | -0.78% | -1.38% | 0.33% | -0.30% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.08% | 4.24% | 1.41% | 5.74% | 5.66% | 9.95% | 9.33% | 8.57% | +283 bps | |
| Loan Growth (YoY) | -0.41% | 3.71% | 6.54% | 6.67% | 8.65% | 12.91% | 12.86% | 8.60% | +193 bps | |
| Deposit Growth (YoY) | 2.50% | 7.66% | 7.20% | 9.46% | 7.07% | 5.37% | 5.09% | 10.12% | +66 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.74% | 0.59% | 0.52% | 0.51% | 0.53% | 0.60% | 0.54% | +2 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.18% | 0.26% | 0.25% | 0.18% | 0.00% | 0.23% | 0.23% | -3 bps | |
| Allowance / Loans | 1.34% | 1.44% | 1.38% | 1.35% | 1.31% | 1.32% | 1.22% | 1.19% | -16 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.9x | 2.3x | 2.6x | 2.6x | 2.5x | 2.0x | 2.2x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.17% | 16.40% | 17.05% | 17.28% | 16.81% | 16.22% | 16.68% | 16.94% | -34 bps | |
| Total Risk-Based Capital | 14.64% | 14.79% | 14.92% | 15.09% | 14.58% | 14.61% | 14.64% | 13.86% | -122 bps | |
| Equity / Assets | 15.55% | 16.23% | 16.73% | 17.02% | 16.38% | 16.35% | 16.61% | 16.86% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.75% | 93.57% | 95.02% | 98.30% | 100.20% | 100.27% | 102.04% | 96.95% | -135 bps | |
| Liquid Assets / Assets | 12.42% | 10.67% | 11.68% | 11.46% | 12.48% | 12.03% | 9.53% | 9.37% | -210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 277% | 279% | 283% | n/a | n/a | |