QCR Holdings, Inc
QCR Holdings, Inc. is a U.S.-based multi-bank holding company headquartered in Moline, Illinois. Through its four wholly owned banking subsidiaries, it provides commercial and consumer banking, trust, asset management, leasing, and equipment financing services across markets in Iowa, Wisconsin, Missouri, and Illinois.
Fiscal year 2025 · change from previous year
Development 2020–2025
Business
Share of revenueBusiness and commercial loans, treasury services, deposits, and related banking products.
Retail deposits, personal loans, and everyday banking services for individuals.
Deposit, liquidity, and banking services provided to downstream banks.
Trust, investment advisory, custodial, and asset management services.
Direct financing leases and equipment financing agreements through m2.
Customers
QCR Holdings serves commercial and consumer customers in local Midwest banking markets, including businesses, partnerships, individuals, and government agencies. It also serves other banks through correspondent banking relationships and clients seeking trust, investment advisory, and asset management services. The company’s lending and fee businesses are tied to relationship banking, local market knowledge, and specialized financing needs such as equipment finance and interest rate swaps.
Businesses and partnerships that use commercial loans, deposits, and treasury services for working capital and growth.
Individuals and households that use deposit accounts, consumer lending, and everyday banking services.
Community and regional banks that place deposits and use liquidity, participation, and bank stock loan services.
Trust, custodial, and advisory clients who buy fee-based asset management and fiduciary services.
Borrowers using CRE, LIHTC, lease, and equipment financing products tailored to specific projects.
Strategy
QCR Holdings focuses on relationship-based banking in its Midwest footprint, supported by commercial lending, correspondent banking, and fee businesses such as wealth management and swaps. It also emphasizes growing core deposits, expanding wealth management, and using specialized products like LIHTC and equipment finance to deepen customer relationships. The company’s strategy is to combine local market presence with diversified noninterest income streams that can support the banking franchise across cycles.
Stable, low-cost deposits support lending capacity and funding flexibility.
Wealth management and swap fees diversify revenue beyond spread income.
Bundling lending, deposits, swaps, and leasing increases customer retention.
Commercial real estate and C&I concentrations require tight risk control.
Geography
The company is headquartered in Moline, Illinois and operates through banking subsidiaries based in Bettendorf, Cedar Rapids, Ankeny, and Springfield. Its core markets are the Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, Des Moines/Ankeny, and Springfield communities, with additional activity in Wisconsin through m2 and correspondent banking relationships across four states. Geography matters because the business is built around local deposit gathering, relationship lending, and market-specific credit knowledge.
Risks
QCR Holdings is exposed to credit risk, especially in commercial real estate and concentrated commercial lending, where a small number of problem loans can affect results. Like other banks, it also faces interest rate risk, liquidity risk, regulatory burden, cybersecurity threats, and intense competition from larger banks and non-bank financial firms. Its correspondent banking and wealth management businesses add funding and market-value sensitivity that can amplify volatility in fees and deposits.
- Credit losses in commercial real estate and concentrated loan booksImpact: HighLikelihood: Medium
A small number of larger loans can move nonperforming metrics and provisions materially.
Exposure: Commercial real estate and C&I portfolios
- Interest rate riskImpact: HighLikelihood: Medium
Loan yields, deposit costs, securities values, and derivative marks all move with rates.
Exposure: Net interest income and capital markets revenue
- Liquidity and funding riskImpact: HighLikelihood: Medium
The bank relies on deposits, correspondent balances, and other funding sources.
Exposure - Cybersecurity and third-party processing riskImpact: MediumLikelihood: Medium
Payment, card, and data flows depend on systems and vendors outside direct control.
Exposure: Digital banking and payment transactions
- Regulatory and compliance riskImpact: MediumLikelihood: Low
Banking operations are subject to extensive federal and state oversight.
Exposure
Accounting
Judgemental itemsManagement must estimate future defaults and loss severity across loan and lease portfolios.
Impact: Affects provision expense, reserve levels, and earnings volatility
Unhedged swaps and cap instruments are marked to market through earnings.
Impact: Can create volatility in noninterest income
Acquisitions and changing market conditions can reduce the carrying value of goodwill.
Impact: Potential noncash impairment charges
Market movements affect reported values and other comprehensive income.
Impact: Impacts capital, OCI, and valuation assumptions
Fees are largely based on assets under administration and market values.
Impact: Revenue fluctuates with market performance
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Last updated: 24/09/2026