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QCR Holdings serves businesses and individuals through QCBT, CRBT, CSB and GB in Iowa, Illinois and Missouri. These banks take deposits and use the funds to make loans and hold securities. Borrowers pay interest, and securities provide investment income; after paying interest to depositors and other lenders, the banks retain the spread, their main source of revenue.
Lending focuses on small and medium-sized businesses, with commercial real estate accounting for most of the loan portfolio. A substantial part of that property lending finances housing supported by federal low-income housing tax credits, or LIHTC. For selected commercial borrowers, especially LIHTC permanent-loan customers, the banks arrange interest-rate swaps: customers pay a fixed rate while the banks receive a variable rate and an upfront fee, with an offsetting swap from another financial institution. These fees are an important additional source of revenue.
The business depends on deposit funding costs, borrowers’ ability to repay in its local markets, and federal tax-credit support for LIHTC projects. Swap fees also depend on borrower demand, interest rates and available counterparties. Banking rules constrain lending, capital and growth. The parent relies on dividends from its banks, which state law and regulatory capital requirements limit.
The risk section is the longest, dullest part of the filing. This keeps only what can really hurt you: where it hits, how hard, when it plays out.
Every company claims an edge. Each one is checked against hard numbers like margins and returns: which hold, and which line gives way first.
Central Bancompany, Inc. competes with QCR Holdings Inc’s Guaranty Bank for business borrowers and deposits around Springfield, Missouri, putting it directly in the path of QCR’s local loan and funding growth.
Commerce Bancshares Inc competes with QCR Holdings Inc’s Missouri bank for business banking, deposits and wealth-management customers in Springfield and Joplin, so the rivalry reaches both lending and services that customers pay fees for.
Southern Missouri Bancorp, through Southern Bank, competes with QCR Holdings Inc’s Guaranty Bank for borrowers and deposits in southwestern Missouri, including Springfield; both need deposits to fund lending.
Enterprise Financial Services Corporation offers a closer comparison for QCR Holdings Inc than a plain community bank: both build business-client relationships around lending, services that manage financial risks, and tax-credit-related business. Watch Enterprise’s hedging and tax-credit fee business alongside QCR’s fees from helping affordable-housing borrowers pay fixed interest while its banks receive variable interest.
Mercantile Bank Corp and QCR Holdings Inc both lend against commercial property and let borrowers pay fixed interest while the banks receive floating interest, using offsetting contracts called back-to-back swaps. Mercantile’s demand for this arrangement on commercial-property term loans over $2.5 million is a useful comparison for QCR’s swap business, which earns upfront fees.
First Mid Bancshares, Inc. competes with QCR Holdings Inc for commercial borrowers, deposits and wealth-management relationships in overlapping Illinois and Missouri markets, challenging both its loan business and its customer-fee services.
First Busey Corporation competes with QCR Holdings Inc for commercial borrowers and deposits in Peoria, Illinois, making its local banking franchise a rival for both loan customers and the money used to fund those loans.
Byline Bancorp, Inc.’s lending to Chicago-area businesses and commercial-property customers gives QCR Holdings Inc investors a regional comparison for its Iowa and Illinois banks. Watch Byline’s business and property lending alongside its ability to gather low-cost local deposits—the same borrowing and funding pressures matter to QCR.
Civista Bancshares, Inc. and QCR Holdings Inc both use customer deposits to fund substantial commercial-property lending, so property borrowers’ ability to repay matters to both. Commercial real estate made up 50% of Civista’s loans in 2025, making credit quality in that book a useful comparison for QCR’s property lending.
Enterprise Financial Services Corporation earningsEFSC
Enterprise Financial Services’ hedging and tax-credit-related results offer a comparison for QCR Holdings’ fee-generating interest-rate swaps on affordable-housing loans.
Look first for separately disclosed hedging or tax-credit-related fees and the activity behind them; total fee income alone cannot show whether this business is changing. If related activity and fees both rise, similar services are contributing more to revenue, a supportive comparison for QCR Holdings’ swap fees tied largely to affordable-housing tax-credit loans. If activity or fees weaken, demand, pricing, or business mix may be less supportive. The banks do not have identical customers or programs, so this is a comparison—not proof of QCR Holdings’ own results.
Civista Bancshares, Inc. earningsCIVB
Civista’s commercial real estate loan performance offers another read on property borrowers’ ability to repay, relevant to QCR Holdings’ large commercial real estate book.
If the report breaks out commercial real estate delinquencies, problem loans, or charge-offs, read those measures alongside the size of that loan book. Rising delinquencies or charge-offs would show greater repayment strain among some property borrowers, a warning signal for QCR Holdings’ commercial real estate lending; stable or improving measures would show no similar deterioration in Civista’s book, not prove that QCR’s borrowers are sound. The banks lend in different markets and have different portfolios, so this is a credit-quality reference, not a substitute for QCR Holdings’ own results.
Fed Interest Rate Decision
For QCR Holdings, the Fed’s policy-rate decision shapes the cost of deposits and borrowings and the interest earned on its loans and securities, affecting the spread that drives its core earnings; it can also change demand and pricing for its swap-fee business.
Expected4.0%Last release4.0%
If it comes in above expectations
Higher rates can raise what QCR Holdings earns as floating-rate loans and other assets reprice, but can also increase deposit and borrowing costs; the net effect depends on which adjusts faster, while higher rates may alter demand and pricing for swap fees.
If it comes in below expectations
Lower rates can reduce what QCR Holdings earns as floating-rate loans and other assets reprice, while potentially easing deposit and borrowing costs; the net effect depends on which adjusts faster, and lower rates may also alter demand and pricing for swap fees.
