QCR Holdings, Inc. Announces Net Income of $36.4 million for the Third Quarter of 2026
QCR Holdings posted record Q3 diluted EPS of $2.21 on net income of $36.4 million, with a 1.52% ROAA and NIM TEY expanding 3 bps to 3.58%. Loan growth was strong at 9% annualized (11% excluding planned m2 Equipment Finance runoff), while NPAs fell to 0.39% of total assets -- the lowest level since 2024 -- and capital markets revenue rose 10% linked-quarter to $16.9 million.
Key figures
- Eps
- 2.21
- Guidance
- Q4 gross loan growth 10-15% annualized reaffirmed; NIM TEY expected roughly static in Q4; $60-$70M capital markets revenue over next four quarters ($18-$20M in Q4); Q4 noninterest expense $54-$57M; effective tax rate 8-10%
- Revenue Yoy
- 9.3%
- Nim
- 3.12%
- Roaa
- 1.52%
- Nim tey
- 3.58%
- Npa ratio
- 0.39%
- Cet1 ratio
- 11.01%
- Net income
- 36400000
- Total loans
- $7.2 billion
- Total assets
- $9.8 billion
- Buyback amount
- $9.5 million (94,861 shares)
- Total deposits
- $7.2 billion
- Net charge offs
- 3100000
- Efficiency ratio
- 55.2%
- Noninterest income
- 30500000
- Net interest income
- 68700000
- Noninterest expense
- 54700000
- Capital markets revenue
- 16900000
- Wealth management revenue
- 5700000
- Provision for credit losses
- 4500000
- Tangible book value per share
- 61.79
AI analysis
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