QCRH

EX-99.1

2 qcrh-20260722xex99d1.htm

EX-99.1

Exhibit 99.1

PRESS RELEASE

FOR IMMEDIATE RELEASE

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QCR Holdings, Inc. Announces Net Income of $36.3 million

for the Second Quarter of 2026

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Second Quarter 2026 Highlights

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●Net income of $36.3 million, or $2.19 diluted earnings per share (“EPS”), representing a 28% year-over-year increase in diluted EPS

●Strong return on average assets of 1.51%

●Significant capital markets revenue from low-income housing tax credit (“LIHTC”) production increased 69% year-over-year to $16.7 million

●Wealth Management assets under management increased 9% and revenue increased 7% on a linked-quarter basis

●Enhanced operating leverage, reflected in a 310-basis point improvement in the efficiency ratio1 to 54.6%

●Robust gross loan growth of 12% annualized, excluding securitization, loan sale, and m2 Equipment Finance (“m2”) portfolio runoff

●Successful execution of $443.6 million in LIHTC loan offtake transactions

●Asset quality improved with criticized loans to total loans at the lowest level since the fourth quarter of 2019

●Tangible book value (“TBV”) per share1 growth of $2.17, or 15% annualized on a linked-quarter basis

●Opportunistic share repurchases of 149,639 shares at an average price of $90.01 per share

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Moline, IL, July 22, 2026 – QCR Holdings, Inc. (NASDAQ: QCRH) (the “Company”) today announced quarterly net income of $36.3 million and diluted EPS of $2.19 for the second quarter of 2026, compared to net income of $33.4 million and diluted EPS of $1.99 for the first quarter of 2026, and $29.0 million and $1.71 for the second quarter of 2025.

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For the Quarter Ended

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June 30,

​

March 31,

​

June 30,

$ in millions (except per share data)

​ ​ ​

2026

​ ​ ​

2026

​ ​ ​

2025

Net Income

​

$

36.3

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$

33.4

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$

29.0

Diluted EPS

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$

2.19

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$

1.99

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$

1.71

Adjusted Net Income1

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$

36.3

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$

33.4

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$

29.4

Adjusted Diluted EPS1

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$

2.19

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$

1.99

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$

1.73

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“We delivered strong net income and record GAAP EPS for the second quarter, demonstrating the ongoing momentum across our franchise. Adjusted EPS1 also remained near record levels, exceeded only by the fourth quarter of 2025. These results were supported by substantial loan production, a rebound in capital markets revenue, higher net interest income despite significant LIHTC loan sales, and strong contributions from our wealth management business. Noninterest expenses also outperformed our guidance. Together, these results produced meaningful operating leverage and demonstrated the strength of our diversified business model,” said Todd Gipple, President and Chief Executive Officer.

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“We also made important progress on several strategic priorities during the quarter, improving asset quality to the strongest levels in nearly seven years, completing our second core conversion, executing LIHTC offtake transactions that advanced our asset and capital-light strategy, and returning $13.5 million to shareholders through opportunistic share repurchases,” said Mr. Gipple.

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Robust Loan Growth

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In the second quarter of 2026, total loans grew $216.9 million, or 12% annualized, excluding LIHTC loan offtake transactions and the planned runoff of the m2 portfolio. The Company executed $443.6 million of LIHTC loan offtake transactions during the quarter, consisting of a Freddie Mac permanent loan securitization and a construction loan portfolio sale.

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“We delivered strong loan growth fueled by solid production across both our LIHTC and traditional lending businesses, in line with our guidance. Our 7% annualized traditional loan growth, excluding the planned m2 portfolio runoff, reflects robust local client demand and continued strength across our markets,” said Mr. Gipple.

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“With very strong pipelines and a healthy outlook for future originations, we expect increased lending activity to fully offset the near-term impact of LIHTC offtake transactions on net interest income. Over time, these transactions will allow us to expand our capital markets revenue opportunities. Accordingly, we are reaffirming our gross loan growth guidance of 10% to 15% annualized for the final two quarters of 2026,” said Mr. Gipple.

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Significant Capital Markets and Wealth Management Revenue Growth

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Noninterest income for the second quarter of 2026 was $29.4 million, up from $23.0 million in the first quarter of 2026. The Company generated $16.7 million of capital markets revenue from LIHTC loan production in the second quarter of 2026, representing a linked-quarter increase of 56% and a year-over-year increase of 69%. Capital markets revenue growth was partially offset by a $1.3 million loss from the Freddie Mac LIHTC securitization. Wealth management revenue totaled $5.8 million for the quarter, representing a 7% increase from the first quarter of 2026, reflecting strong market performance and continued new relationship and AUM gro

EX-99.1

2 qcrh-20260422xex99d1.htm

EX-99.1

Exhibit 99.1

PRESS RELEASE

FOR IMMEDIATE RELEASE

​

QCR Holdings, Inc. Announces Net Income of $33.4 million for the First Quarter of 2026

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First Quarter 2026 Highlights

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●Net income of $33.4 million, or $1.99 per diluted share, representing a 31% year-over-year increase in diluted earnings per share (“EPS”) and a 1.40% return on average assets (“ROAA”)

●Net interest income of $67.4 million, representing 12% growth on a year-over-year basis

●Solid loan growth of 8% annualized prior to m2 Equipment Finance (“m2”) runoff

●Robust core deposit growth of $409 million, or 23% annualized

●Significant noninterest expense reduction of 17% on a linked-quarter basis

●Tangible book value (“TBV”) per share1 expansion of $1.33, or 9% annualized on a linked-quarter basis

●Repurchased 247,289 shares at an average price of $84.28 per share

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Moline, IL, April 22, 2026 – QCR Holdings, Inc. (NASDAQ: QCRH) (the “Company”) today announced quarterly net income of $33.4 million and diluted EPS of $1.99 for the first quarter of 2026, compared to net income of $35.7 million and diluted EPS of $2.12 for the fourth quarter of 2025 and $25.8 million and $1.52 in the first quarter of 2025. Notably, first quarter 2026 net income represented a record first quarter result for the Company.

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Adjusted net income1 and adjusted diluted EPS1 for the first quarter of 2026 were $33.4 million and $1.99, respectively, compared to $37.3 million and $2.21 for the fourth quarter of 2025 and $26.0 million and $1.53 in the first quarter of 2025.

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For the Quarter Ended

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March 31,

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December 31,

​

March 31,

$ in millions (except per share data)

​ ​ ​

2026

​ ​ ​

2025

​ ​ ​

2025

Net Income

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$

33.4

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$

35.7

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$

25.8

Diluted EPS

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$

1.99

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$

2.12

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$

1.52

Adjusted Net Income1

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$

33.4

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$

37.3

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$

26.0

Adjusted Diluted EPS1

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$

1.99

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$

2.21

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$

1.53

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“We are very pleased to have delivered record first quarter net income, representing 1.40% ROAA and 31% EPS growth compared to a year ago, in what is historically a softer quarter for capital markets revenue. Our strong first quarter results were highlighted by healthy loan and deposit growth, significantly lower noninterest expense, and modest margin expansion. These results underscore the continued progress we are making in strengthening profitability across our traditional banking and wealth management businesses. We also maintained excellent asset quality and generated meaningful growth in tangible book value per share while returning nearly $21 million to shareholders through opportunistic share repurchases. Additionally, we continued investing in our digital transformation as we build a more modern, scalable bank for our clients and employees,” said Todd Gipple, President and Chief Executive Officer.

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Continued Strong Loan Growth

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In the first quarter of 2026, total loans grew $145.3 million, or 8% annualized, excluding the planned runoff of the m2 portfolio. The Company identified $522.9 million of low-income housing tax credit (“LIHTC”) loans planned for the next permanent loan securitization and construction loan sale. Following the successful completion of the Company’s first sale of LIHTC construction loans to a private investor during the fourth quarter of 2025, the Company expects to close on its second LIHTC construction loan sale of approximately $207.3 million in funded balances to a new private investor during the second quarter of 2026. The Company also expects to close on its next Freddie Mac LIHTC tax-exempt permanent loan securitization of $315.6 million during the second quarter of 2026.

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“Our first quarter loan growth was driven by both our LIHTC and traditional lending businesses and was within our guidance range. The upcoming offtake of LIHTC loans will allow us to expand LIHTC lending opportunities and drive incremental capital markets revenue. Our pipelines are strong, and we anticipate increased traditional and LIHTC lending in the coming quarters that will mitigate the expected short-term net interest income dilution from these transactions,” said Mr. Gipple. “Accordingly, we are reaffirming our gross loan growth guidance of 10% to 15% annualized for the final three quarters of 2026.”

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Core Deposit Growth Accelerates

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Total core deposits increased by $409.1 million, or 23% annualized, from the fourth quarter of 2025. The deposit mix remained stable while total brokered deposits declined by $52.4 million in the first quarter. The Company’s total deposits at the end of the first quarter were $7.8 billion, an increase of $356.7 million, or 19% annualized, contributing to a decrease in the gross loans/leases held for investment to total deposits ratio to 87%.

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“We remain focused on growing core deposits and improving our deposit mix across our markets,” added Mr. Gipple. “During the quarter, noninte

QCR Holdings, Inc._January 27, 2026 0000906465false00009064652026-01-272026-01-27 ​ ​

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event Reported): January 27, 2026 QCR Holdings, Inc. (Exact Name of Registrant as Specified in Charter)

Delaware 0-22208 42-1397595

(State or Other Jurisdiction of Incorporation) (Commission File Number) (I.R.S. Employer Identification Number)

3551 Seventh Street, Moline, Illinois 61265

(Address of Principal Executive Offices) (Zip Code)

(309) 736-3584 (Registrant's telephone number, including area code) N/A (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

​

☐ ​Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ ​Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ ​Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ ​Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

​ Securities registered pursuant to Section 12(b) of the Act: ​ Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, $1.00 Par Value

QCRH

The Nasdaq Global Market

​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​ ​ ​ ​ ​

Item 2.02. Results of Operations and Financial Condition. On January 27, 2026, QCR Holdings, Inc. (the “Company”) issued a press release disclosing financial results for the quarter and year ended December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The information in Item 2.02 of this Current Report on Form 8-K and Exhibit 99.1 attached hereto is being “furnished” and will not, except to the extent required by applicable law or regulation, be deemed “filed” by the Company for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor will any of such information or exhibits be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act. Item 9.01. Financial Statements and Exhibits. (d) Exhibits. 99.1 Press Release dated January 27, 2026.

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104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

QCR Holdings, Inc.

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Date: January 27, 2026 By: /s/ Todd A. Gipple

Todd A. Gipple

President and Chief Executive Officer

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