QCR HOLDINGS INC (QCRH) Form 8-K — Oct 20, 2026
QCR Holdings reported record diluted EPS of $2.21 for Q3 2026, with net income of $36.4 million and a 1.52% return on average assets, up from $2.19 EPS in the prior quarter and $2.16 a year ago. The quarter featured 3 basis points of NIM TEY expansion to 3.58%, 11% annualized loan growth excluding m2 runoff, capital markets revenue of $16.9 million (+10% linked quarter), and NPAs improving to 0.39% of total assets — the lowest in two years. The company repurchased $9.5 million of stock and grew tangible book value per share 11% year-over-year to $61.79.
Key figures
- Eps
- 2.21
- Revenue
- 99174000
- Guidance
- Reaffirmed Q4 2026 gross loan growth guidance of 10-15% annualized; capital markets revenue of $60-70 million over next four quarters ($18-20M in Q4); noninterest expense of $54-57 million for Q4; relatively static Q4 NIM TEY; effective tax rate 8-10% for Q4.
- Net Income
- 36434000
- Total Debt
- 1021344000
- Total Assets
- 9795320000
- Cash Position
- 89267000
- Shares Outstanding
- 16291870
- Nim
- 3.12%
- Roaa
- 1.52%
- Nim tey
- 3.58%
- Npa ratio
- 0.39%
- Tce ratio
- 10.43%
- Cet1 ratio
- 11.01%
- Total loans
- 7199903000
- Tbv per share
- 61.79
- Total deposits
- 7203201000
- Ytd net income
- 106068000
- Net charge offs
- 3100000
- Ytd diluted eps
- 6.39
- Efficiency ratio
- 55.18%
- Effective tax rate
- 8.91%
- Noninterest income
- 30482000
- Net interest income
- 68692000
- Noninterest expense
- 54726000
- Share repurchases q3
- $9.5 million (94,861 shares)
- Capital markets revenue
- 16901000
- Net income prior quarter
- 36251000
- Diluted eps prior quarter
- 2.19
- Wealth management revenue
- 5700000
- Net income year ago quarter
- 36714000
- Provision for credit losses
- 4452000
- Diluted eps year ago quarter
- 2.16
- Total risk based capital ratio
- 14.50%
AI analysis
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