QCR Holdings

What QCR Holdings does

QCR Holdings, Inc. is a multi-bank holding company headquartered in Moline, Illinois, operating four wholly owned subsidiary banks (Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank, and Guaranty Bank) plus the m2 Equipment Finance subsidiary. As of March 31, 2026, the company reported $9.6 billion in total assets, $7.3 billion in loans, $7.8 billion in deposits, and approximately 997 to 1,039 full-time equivalent employees across 36-37 branch locations in six Midwest communities spanning Iowa, Illinois, and Missouri.

The company generates revenue primarily through net interest income ($255.2 million in FY2025), supplemented by capital markets revenue from LIHTC (Low-Income Housing Tax Credit) lending ($64.7 million in FY2025, with a $522.9 million loan pipeline for Q2 2026), wealth management and trust services ($5.4 million in Q1 2026, growing 14% annualized), and noninterest income from deposit and banking service fees. The LIHTC business represents a specialized lending vertical with $2.6 billion in balances accumulated over nearly a decade of operation. Total FY2025 revenue was $489.4 million, producing record net income of $127.2 million and adjusted EPS of $7.64.

QCR Holdings employs a relationship-driven go-to-market model with local decision-making at each subsidiary bank, supported by centralized operations. In November 2025, the company selected Jack Henry as its core banking technology partner to modernize infrastructure across all four banks. The company has grown through both organic expansion and strategic bank acquisitions (Community State Bank in 2016, Guaranty Bank in 2018) and has maintained dividend payments for 25 consecutive years, with the most recent quarterly dividend raised from $0.06 to $0.10 per share. QCR Holdings trades on NASDAQ under ticker QCRH with a market capitalization of approximately $1.41 billion as of March 2026.

Name

QCR Holdings

Legal name

QCR Holdings, Inc.

Website

https://qcrh.com

Company type

Public

Founded year

1994

Operating status

Operating

Headcount range

501–1,000 employees

Short description

QCR Holdings is a multi-bank holding company operating four subsidiary banks with 36-37 branches across Iowa, Illinois, and Missouri, providing commercial, consumer, and wealth management banking plus specialized LIHTC affordable housing lending to SMEs, consumers, and developers in Midwest communities.

Ownership category

akta.pro rank

Headquarters

HQ city

Moline

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Net Interest Income: The primary revenue stream from the spread between interest earned on loans and securities versus interest paid on deposits and borrowings. Net interest income was $67.4 million in Q1 2026 and $255.2 million for full year 2025, representing the dominant revenue source.
2. Capital Markets Revenue: Revenue from low-income housing tax credit (LIHTC) lending, including construction loan sales and permanent loan securitizations. Capital markets revenue was $10.7 million in Q1 2026 and $64.7 million for full year 2025. The company has a LIHTC loan pipeline of $522.9 million identified for Q2 securitization and sales.
3. Wealth Management / Trust and Investment Advisory: Revenue from trust fees and investment advisory and management fees. Wealth management revenue was $5.4 million in Q1 2026, representing 14% annualized growth.
4. Noninterest Income: Deposit service fees, gains on sales of residential real estate loans, debit card fees, earnings on bank-owned life insurance, correspondent banking fees, loan related fee income, and other banking service fees.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels2 records

Core offering

QCR Holdings is a multi-bank holding company that operates four wholly-owned subsidiary banks (Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank, and Guaranty Bank) across Iowa, Missouri, and Illinois. It provides full-service commercial and consumer banking, trust and wealth management, and specialized Low-Income Housing Tax Credit (LIHTC) lending with associated capital markets revenue from loan securitizations and sales.

Product overview

QCR Holdings is a multi-bank holding company that operates as a unified banking platform through four subsidiary banks: Quad City Bank & Trust ( Bettendorf, Iowa), Cedar Rapids Bank & Trust (Cedar Rapids, Iowa), Community State Bank (Ankeny, Iowa), and Guaranty Bank (Springfield, Missouri), plus Community Bank & Trust as a division of Cedar Rapids Bank & Trust. The company offers a coordinated portfolio of banking services centered on commercial and consumer banking, trust and wealth management, and specialized LIHTC (Low-Income Housing Tax Credit) lending with associated capital markets services. Rather than a single unified software product, QCR Holdings provides relationship-driven banking services across 36 locations in Iowa, Missouri, and Illinois, with $9.6 billion in assets as of March 2026.

Differentiator

Problem solved

Functional benefit

Brands

• m2 Equipment Finance: Equipment finance subsidiary providing leasing solutions

Quantifiable outcome

• Record Q1 2026 net income of $33.4 million with 31% year-over-year EPS growth and 1.40% ROAA
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Jack HenrycoreTechnology or Integration · 6 November 2025QCR Holdings selected Jack Henry to upgrade its technological infrastructure across its four subsidiary banks in Illinois, Iowa, and Missouri. The initiative aims to improve efficiency, reduce costs, and support future growth with a focus on modernization and digital transformation. The first core operating system conversion was completed in early October 2025 as part of this digital transformation project.

Scale indicators14 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Wintrust Financial Corporation: Chicago-area multi-bank holding company operating a network of community-oriented subsidiary banks across the Midwest, closely mirroring QCR's four-bank charter structure and relationship-driven commercial and consumer banking model.
• First Busey Corporation: Multi-bank holding company headquartered in Illinois with a Midwest community banking franchise overlapping QCR's Illinois and Missouri footprint, offering comparable commercial, consumer, and wealth management services.
• Commerce Bancshares: Missouri-headquartered bank holding company with a comparable mix of commercial, consumer, and wealth management banking across the Midwest, similar in scale and conservative operating philosophy to QCR Holdings.
• Lakeland Financial Corporation: Indiana-based community bank holding company with a similarly focused commercial and consumer banking franchise, frequently cited for above-average profitability metrics comparable to QCR's ROAA performance.

Broad incumbents

• Old National Bancorp: Larger Midwest-focused bank holding company with overlapping geographies in Illinois, Iowa, and Indiana, providing a broader product set but competing head-to-head for the same SME and consumer banking relationships.
• First Merchants Corporation: Mid-sized Midwest bank holding company serving Indiana, Illinois, Ohio, and Michigan with similar commercial and consumer banking offerings, providing a relevant peer for benchmarking growth, margin, and asset-quality performance.
• WesBanco, Inc. Mid-Atlantic and Midwest bank holding company with a comparable mix of community banking, wealth management, and commercial lending; useful peer for evaluating deposit gathering and CRE exposure in similar-sized franchises.
• Cullen/Frost Bankers, Inc. Multi-bank holding company operating Frost Bank across Texas with relationship-driven commercial and consumer banking; comparable in holding-company structure, profitability focus, and dividend track record to QCR Holdings.
• Trustmark Corporation: Mid-sized regional bank holding company with a comparable mix of commercial banking, consumer banking, and wealth management; relevant for benchmarking net interest margin and fee-income performance.
• United Community Banks, Inc. Southeast-focused bank holding company with a similar relationship-based community banking model and active M&A history, providing a useful comparable for evaluating QCR's growth-and-acquisition strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries6 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about QCR Holdings