# QCR Holdings, Inc

> Clarifo company profile — qualitative business description generated from
> the company's filings. Financial statements, charts and ratios are
> available on Clarifo (https://www.clarifo.com/fi/companies/QCR Holdings, Inc).

## Overview

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.

## Products & services

• Commercial lending and credit facilities
• Consumer banking and deposit services
• Trust, wealth, and investment advisory services
• Direct financing leases and equipment financing
• Correspondent banking services
• Interest rate swaps and capital markets services

- **Commercial Banking** (45%) — Business and commercial loans, treasury services, deposits, and related banking products.
- **Consumer Banking** (15%) — Retail deposits, personal loans, and everyday banking services for individuals.
- **Correspondent Banking** (15%) — Deposit, liquidity, and banking services provided to downstream banks.
- **Wealth Management** (15%) — Trust, investment advisory, custodial, and asset management services.
- **Leasing and Equipment Finance** (10%) — Direct financing leases and equipment financing agreements through m2.

- Commercial lending and credit facilities
- Consumer banking and deposit services
- Trust, wealth, and investment advisory services
- Direct financing leases and equipment financing
- Correspondent banking services
- Interest rate swaps and capital markets services

## 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.

- **Commercial borrowers** (primary) — Businesses and partnerships that use commercial loans, deposits, and treasury services for working capital and growth.
- **Retail and consumer customers** (secondary) — Individuals and households that use deposit accounts, consumer lending, and everyday banking services.
- **Correspondent banks** (primary) — Community and regional banks that place deposits and use liquidity, participation, and bank stock loan services.
- **Wealth management clients** (secondary) — Trust, custodial, and advisory clients who buy fee-based asset management and fiduciary services.
- **Commercial real estate and specialty finance borrowers** (secondary) — Borrowers using CRE, LIHTC, lease, and equipment financing products tailored to specific projects.

- Small and mid-sized businesses needing commercial loans and deposits
- Individuals and households using retail banking and consumer credit
- Trust and wealth clients seeking investment and fiduciary services
- Downstream banks using correspondent banking and liquidity services
- Commercial borrowers needing equipment finance and swap solutions

## 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.

- **Iowa** (0%) — Core operating state, but no revenue percentage disclosed in the excerpts.
- **Illinois** (0%) — Headquarters state and part of the served Midwest footprint.
- **Missouri** (0%) — Served through Guaranty Bank in Springfield.
- **Wisconsin** (0%) — Includes m2 leasing operations in Waukesha.

- Headquartered in Moline, Illinois
- Operates primarily in Iowa, Wisconsin, Missouri, and Illinois
- Core markets include Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, and Des Moines
- Springfield, Missouri is served through Guaranty Bank
- m2 is based in Waukesha, Wisconsin and supports leasing activity

## 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.

- **Grow core deposit franchise** (short-term) — Stable, low-cost deposits support lending capacity and funding flexibility.
- **Expand fee-based businesses** (medium-term) — Wealth management and swap fees diversify revenue beyond spread income.
- **Deepen commercial relationships** (medium-term) — Bundling lending, deposits, swaps, and leasing increases customer retention.
- **Maintain disciplined credit underwriting** (ongoing) — Commercial real estate and C&I concentrations require tight risk control.

- Grow core deposits and reduce reliance on higher-cost funding
- Expand correspondent banking as a source of deposits and fee income
- Build wealth management assets and advisory fee revenue
- Use swap and LIHTC capabilities to deepen commercial relationships
- Pursue organic growth across established Midwest banking markets

## 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 books** [high] — A small number of larger loans can move nonperforming metrics and provisions materially.
- **Interest rate risk** [high] — Loan yields, deposit costs, securities values, and derivative marks all move with rates.
- **Liquidity and funding risk** [high] — The bank relies on deposits, correspondent balances, and other funding sources.
- **Regulatory and compliance risk** [medium] — Banking operations are subject to extensive federal and state oversight.
- **Cybersecurity and third-party processing risk** [medium] — Payment, card, and data flows depend on systems and vendors outside direct control.

- Commercial real estate and C&I concentrations can drive credit losses
- Interest rate changes affect margins, swap results, and securities values
- Liquidity depends on deposit stability and access to wholesale funding
- Heavy banking regulation can raise compliance cost and constrain actions
- Cybersecurity and third-party payment risks can cause losses and reputational harm
- Competition from banks, fintechs, and non-bank lenders pressures pricing

## Accounting

Key accounting judgments center on the allowance for credit losses, fair value measurements, and goodwill impairment. The company also uses derivative accounting for unhedged swaps and cap instruments, which can create mark-to-market volatility in noninterest income, while trust and investment fees vary with assets under management and market values. Acquired loan fair values, securities valuations, and lease-related estimates can also affect reported earnings and balance sheet values.

- **Allowance for credit losses** — Affects provision expense, reserve levels, and earnings volatility
- **Derivative and fair value accounting** — Can create volatility in noninterest income
- **Goodwill impairment** — Potential noncash impairment charges
- **Fair value of securities and financial instruments** — Impacts capital, OCI, and valuation assumptions
- **Trust and investment fee valuation sensitivity** — Revenue fluctuates with market performance

- Allowance for credit losses depends on judgment about future loan performance
- Fair value marks on derivatives and trading securities can swing noninterest income
- Goodwill impairment risk matters after acquisitions and market changes
- Acquired loan fair values affect purchase accounting and subsequent accretion
- Trust and advisory fees move with assets under management and market valuations
- Lease and equipment finance accounting affects income timing and residual estimates

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*Last updated: 2026-04-29T04:50:14.054220+00:00*