QCR Holdings ( (QCRH) ) has released its Q2 earnings. Here is a breakdown of the information QCR Holdings presented to its investors.
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QCR Holdings, Inc., headquartered in Moline, Illinois, is a multi-bank holding company that provides full-service commercial and consumer banking, trust, and wealth management services across several communities in Iowa, Missouri, and Illinois. The company operates through its subsidiary banks, offering a range of financial services to its clients.
In the second quarter of 2025, QCR Holdings reported a net income of $29.0 million, translating to $1.71 per diluted share, marking an increase from the previous quarter. The company also noted a significant expansion in its net interest margin and capital markets revenue, alongside a decline in nonperforming assets.
Key financial highlights for the quarter include a 14% annualized growth in net interest income, driven by strong asset growth and improved loan yields. The company also saw a 51% increase in capital markets revenue, attributed to heightened low-income housing tax credit lending activity. Additionally, QCR Holdings reported a tangible book value per share growth of 13% annualized.
The company maintained strong asset quality with a decrease in nonperforming assets and a stable allowance for credit losses. Despite a slight increase in noninterest expenses, the company managed to keep them below its guidance range, demonstrating effective expense management.
Looking forward, QCR Holdings remains optimistic about continued growth in its loan portfolio and capital markets revenue. The company anticipates further expansion in its net interest margin, supported by a robust pipeline and client adaptation to market conditions.