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 | |