Springfield, MO · Cert 58892 · QCR Holdings Inc.
State charter, Fed member · FED · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
59
Profitability
17
Liquidity
29
Efficiency
45
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Springfield, MO · Cert 58892 · QCR Holdings Inc.
State charter, Fed member · FED · 3 affiliate banks · 13 branches (37 in holding)
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 9.6% share · #2 of 41 inst. · $1.7B of $17.8B
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 | 1.19% | 1.12% | 0.71% | 0.78% | 0.96% | 1.00% | 1.23% | 0.95% | +17 bps | |
| Return on Equity | 7.59% | 7.09% | 4.35% | 4.74% | 5.86% | 6.12% | 7.56% | 5.82% | +107 bps | |
| Net Interest Margin | 2.49% | 2.53% | 2.49% | 2.52% | 2.52% | 2.55% | 2.88% | 2.80% | +28 bps | |
| Efficiency Ratio | 60.55% | 61.07% | 65.67% | 66.66% | 61.47% | 63.60% | 58.61% | 58.58% | -808 bps | |
| Non-Interest Burden | 1.19% | 1.24% | 1.49% | 1.51% | 1.26% | 1.37% | 1.42% | 1.39% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.11% | 2.66% | 0.13% | -0.29% | 3.77% | 3.16% | 3.90% | 0.70% | +99 bps | |
| Loan Growth (YoY) | 4.64% | 2.98% | -0.78% | -0.76% | 3.48% | 2.84% | 5.82% | 0.03% | +78 bps | |
| Deposit Growth (YoY) | 3.27% | 3.18% | 5.59% | 4.23% | 3.19% | 0.50% | -3.56% | 0.64% | -359 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.66% | 0.64% | 0.69% | 1.02% | 0.87% | 0.83% | 0.88% | +19 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.18% | 0.14% | 0.09% | 0.17% | 0.01% | 0.00% | -14 bps | |
| Allowance / Loans | 1.11% | 1.25% | 1.30% | 1.29% | 1.34% | 1.27% | 1.24% | 1.53% | +24 bps | |
| Allowance Coverage of NPLs | 3.0x | 1.9x | 2.0x | 1.9x | 1.3x | 1.5x | 1.5x | 1.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.89% | 12.15% | 12.55% | 12.65% | 12.19% | 12.03% | 12.43% | 12.34% | -31 bps | |
| Total Risk-Based Capital | 13.78% | 14.26% | 14.70% | 14.70% | 14.19% | 14.13% | 14.18% | 14.44% | -25 bps | |
| Equity / Assets | 16.06% | 16.31% | 16.51% | 16.44% | 15.92% | 16.24% | 16.25% | 16.54% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.98% | 99.46% | 97.46% | 98.19% | 103.28% | 101.78% | 106.94% | 97.60% | -59 bps | |
| Liquid Assets / Assets | 7.52% | 7.98% | 8.48% | 8.27% | 8.89% | 8.79% | 8.20% | 9.43% | +117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 482% | 480% | 486% | n/a | n/a | |
Springfield, MO · Cert 58892 · Peer group: banks $1B-$10B in assets (n=322-328) · QCR Holdings Inc.
State charter, Fed member · FED · 3 affiliate banks · 13 branches (37 in holding)
Q2 2026
Return on Assets
0.96%
Rank 238 of 328
Net Interest Margin
2.80%
Rank 282 of 328
Efficiency Ratio
60.85%
Rank 181 of 328
Equity / Assets
16.54%
Rank 13 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.91% | 1.22% | 1.52% | Beats 27% | 238 / 328 | ||
| Return on Equity | 5.80% | 8.43% | 11.45% | 14.43% | Beats 11% | 293 / 328 | ||
| Net Interest Margin | 2.80% | 3.03% | 3.45% | 3.83% | Beats 14% | 282 / 328 | ||
| Efficiency Ratio | 60.85% | 51.61% | 59.56% | 67.53% | Beats 45% | 181 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.24% | 0.51% | 1.03% | Beats 29% | 229 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 88% | 39 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.19% | 11.75% | 13.15% | 15.47% | Beats 51% | 160 / 328 | ||
| Total Risk-Based Capital Ratio | 14.44% | 12.63% | 14.15% | 16.46% | Beats 54% | 150 / 328 | ||
| Equity / Assets | 16.54% | 9.15% | 10.33% | 12.01% | Beats 96% | 13 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.60% | 76.63% | 87.92% | 95.36% | 80th pctl | 63 / 323 | ||
| Loans / Assets | 76.96% | 65.18% | 74.15% | 79.98% | 64th pctl | 119 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||