QCR Holdings Inc (FRA:3PE)

Q2 2026 QCR Holdings Inc Earnings Call Transcript

Jul 23, 2026 / 03:00 PM GMT

Release Date Price: €85 (+1.80%)

Transcript 10-Q8-K

Key Points

Positve

QCR Holdings Inc (QCRH) reported strong second-quarter net income and record quarterly GAAP earnings per share, showcasing the strength of their diversified business model.
The company achieved robust loan production, a rebound in capital markets revenue, higher net interest income, and strong momentum in wealth management.
QCR Holdings Inc (QCRH) continued to strengthen asset quality, increased tangible book value per share, and returned capital to shareholders through share repurchases.
The company's wealth management business delivered excellent results with AUM growth of 9% and revenue increasing 7% on a link-quarter basis.
The LIHTC lending business performed exceptionally well, driven by strong demand for affordable housing, and is a key differentiator for the company.

Negative

The net interest margin (NIM) declined 3 basis points from the first quarter of 2026, coming in below the guidance range.
The complexity and increased costs of the Freddie Mac M-Series securitization program led to a loss on the transaction.
Non-interest expense increased by $1 million linked-quarter, reflecting higher salary and benefits expenses and investments in digital transformation.
Total core deposit activity decreased by $324 million, primarily due to the intentional reduction of higher-cost correspondent and public fund balances.
The company anticipates growing beyond $10 billion in assets in 2027, which will require preparation for associated organizational impacts by mid-2028.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

QCRH.OQ - QCR Holdings Inc
Q2 2026 QCR Holdings Inc Earnings Call
Jul 23, 2026 / 03:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and thank you for joining us today for QCR Holdings, Inc.'s second quarter 2026 earnings conference call.

Following the close of the market yesterday, the company issued its earnings press release for the second quarter.

If anyone joining us today has not yet received a copy, it is available on the company's website at www.qcrh.com.

With us today for management are Todd Gipple, President and CEO, and Nick Anderson, CFO.

Management will provide a summary of the financial results, and then we will open the call to questions from analysts.

Before we begin, I would like to remind everyone that some of the information management will be providing today falls under the guidelines of

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