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 (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 | 2.69% | 2.80% | 2.08% | 2.20% | 2.55% | 2.83% | 2.43% | 2.72% | +51 bps | |
| Return on Equity | 18.19% | 18.57% | 12.62% | 13.23% | 15.36% | 17.11% | 14.74% | 16.35% | +312 bps | |
| Net Interest Margin | 2.78% | 2.78% | 3.03% | 3.01% | 3.00% | 2.87% | 3.10% | 3.11% | +10 bps | |
| Efficiency Ratio | 40.25% | 39.23% | 47.10% | 45.29% | 41.98% | 40.10% | 42.26% | 40.44% | -485 bps | |
| Non-Interest Burden | -0.54% | -0.61% | 0.77% | 0.51% | 0.07% | -0.29% | 0.33% | 0.01% | -50 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 | 0.08% | 0.10% | 0.26% | 0.25% | 0.22% | 0.16% | 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 | |