Here are the 10-K annual reports from QCR Holdings Inc (QCRH) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow QCRH and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full QCRH filings page.
QCR Holdings, Inc. outlines its 2025 performance and risk profile as a multi‑bank holding company serving Iowa and Missouri through four subsidiary banks and an equipment finance unit in runoff. Total loans/leases were $7.17 billion as of December 31, 2025, with commercial real estate (CRE) of $4.80 billion, or about 67% of the portfolio, and commercial and industrial loans of about $1.70 billion, or 24%.
CRE exposure is heavily driven by low‑income housing tax credit (LIHTC) lending, which accounts for roughly 46% of CRE and includes $1.9 billion of LIHTC income‑producing loans and $789.3 million of LIHTC construction loans. The company manages interest‑rate risk and fee income through extensive use of back‑to‑back interest rate swaps on these long‑duration loans. Investment securities totaled $1.3 billion (about 14% of assets) with gross unrealized losses of $164.5 million and gains of $26.5 million, reflecting sensitivity to rate moves. Credit protection includes an allowance for credit losses equal to 1.26% of gross loans/leases and 213.08% of nonperforming loans, with net charge‑offs of 0.27% of average loans/leases for 2025. The company reports strong human‑capital metrics, with 967 full‑time and 72 part‑time employees and an 82% engagement score, and highlights extensive regulation, interest‑rate volatility, CRE concentration, LIHTC program dependence, liquidity, capital and competitive pressures—including from fintech and digital‑asset providers—as key ongoing risks.