GlobeNewswire·Oct 22, 2025, 4:05 PM ET

QCR Holdings, Inc. Announces Record Quarterly Net Income of $36.7 Million for the Third Quarter of 2025

QCRH

QCR Holdings reported record third quarter 2025 net income of $36.7 million ($2.16 diluted EPS) & adjusted net income of $36.9 million ($2.17 diluted EPS).
Net interest income grew 18% annualized to $64.8 million while tax-equivalent yield net interest margin expanded five basis points to 3.51%.
Capital markets revenue surged 141% linked-quarter to $23.8 million driven by a rebound in low-income housing tax credit lending activity.
Total loans & leases grew 15% annualized to $7.2 billion with strong growth in both LIHTC & traditional lending segments.
Return on average assets (ROAA) reached 1.57% annualized & tangible book value per share increased $2.50 (19% annualized).
Noninterest expense rose to $56.6 million due to higher variable compensation & digital transformation costs, resulting in an efficiency ratio of 55.78%.
The company repurchased 115,735 shares during the quarter, bringing the year-to-date total to 129,056 shares as of October 20, 2025.
A new share repurchase program was authorized on October 20, 2025, permitting the buyback of up to 1.7 million shares.
Asset quality remained strong with nonperforming assets to total assets ratio at 0.45% & criticized loans declining to 2.01% of total loans.
Total deposits increased $99.0 million to $7.38 billion, with core deposits growing 6% annualized & brokered deposits declining.
Regulatory capital ratios included a common equity tier 1 ratio of 10.34% & total risk-based capital ratio of 14.03% as of September 30, 2025.
The company raised fourth quarter capital markets revenue guidance to a range of $55 million to $65 million over the next four quarters.
Fourth quarter noninterest expense is expected to range from $52 million to $55 million, assuming capital markets revenue & loan growth align with guidance.