$QCRH

QCR Holdings, Inc. Announces Net Income of $36.3 million for the Second Quarter of 2026

QCR HOLDINGS INC (QCRH) filed an SEC Form 8-K — Results of Operations and Financial Condition. EX-99.1 2 qcrh-20260722xex99d1.htm EX-99.1 Exhibit 99.1 PRESS RELEASE FOR IMMEDIATE RELEASE ​ QCR Holdings, Inc. Announces Net Income of $36.3 million for the Second Quarter of 2026 ​ ​ Second Quarter 2026 Highlights ​ ● Net income of $36.3 million, or $2.19 diluted earnings per

Original reporting
Published Jul 22, 2026, 8:05 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Jul 22, 2026, 8:09 PM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
AlphAI market briefEarnings
Primary signal
$QCRH
Bullish
medium confidence
Mentioned
$QCRH
Relevance
7/10
AlphAI data visualization · based on SEC EDGAR 8-K
Decision brief

The 30-second read

$QCRHBullishMed
01

Why it matters

Key disclosed items include record GAAP EPS, LIHTC capital markets revenue growth, loan growth excluding runoff/offtakes, asset-quality improvement (criticized loans at the lowest level since Q4 2019), and a reaffirmed capital markets revenue outlook for the next four quarters.

02

Market read

Traders can update near-term expectations for regional bank earnings quality and LIHTC platform contribution based on the quantified Q2 results and the reaffirmed $60M to $70M capital markets revenue target over the next four quarters.

03

What to watch

NIM TEY declined and the Freddie Mac securitization produced a $1.3M loss; investors may discount the durability of earnings if wholesale funding mix or loan yield pressure persists.

Relevance 7/10Novelty 8/10Timing: after-hours, filed as an SEC 8-K for Q2 2026 results

Background

The filing is an SEC Form 8-K with Item 2.02 and an attached earnings press release for QCR Holdings’ second quarter of 2026.

Company-level read

Ticker impact

$QCRHBullishMedium confidence
Context

QCR Holdings reports Q2 2026 net income of $36.3M and diluted EPS of $2.19, plus LIHTC capital markets revenue and loan growth details.

Expected impact

Likely modest positive bias if investors focus on record GAAP EPS, improved efficiency, and asset-quality improvement, partially offset by the Freddie Mac securitization loss and NIM TEY decline.

Evidence & confidence

This is a primary earnings release with multiple quantified metrics and reaffirmed capital markets revenue guidance ($60M to $70M over next four quarters), but the excerpt does not include full forward-looking guidance beyond that segment.

Market effects

Adds datapoints on LIHTC-driven capital markets revenue and how securitization complexity affects bank earnings, relevant to regional bank and affordable-housing lenders.

Primarily impacts sentiment around Midwest/regional banking franchises with LIHTC platforms.

Limited global relevance; mostly US regional bank and housing-finance niche.

Counterpoint

The headline strength may be partially driven by capital markets activity and loan sales/offtakes, which could be less repeatable if LIHTC offtake economics or securitization structures worsen.

Key entities

  • QCR Holdings, Inc.

    Reports Q2 2026 net income, EPS, LIHTC offtake activity, NIM/efficiency metrics, asset-quality changes, and capital markets revenue guidance.

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QCR Holdings Inc (QCRH) reported record EPS and strong loan growth in Q3 2026, but faces challenges like increased loan sale costs and potential revenue impact from the Durbin Amendment. CEO Todd Gipple highlighted the durability of the LIHTC portfolio and robust loan growth pipeline, with a mix of 70% LIHTC and 30% traditional banking. The company expects to surpass $10 billion in assets in 2027 and is open to M&A, though with a high bar for potential partners.

$QCRHHighAI 8/10

QCR Holdings (QCRH) Q3 2026 Earnings Call Transcript

QCR Holdings (QCRH) reported 11% YoY growth in tangible book value per share and 7% annualized loan growth. The company expects strong Q4 capital markets production of $18M-$20M and reaffirmed its guidance. QCRH's wealth management business saw 12% YoY revenue growth, and its LIHTC lending business performed well. The company is exploring alternative loan sale structures to improve efficiency and profitability.

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What QCR (QCRH) Said on Its Q3 Earnings Call

QCR Holdings (QCRH) reported Q3 earnings, expecting to reprice $165M in loans and anticipating higher yields from municipal bonds. Non-interest income was $30M, with capital markets revenue rising to $17M. The company reaffirmed guidance and discussed strategies for LIHTC investments and regulatory capital management. Asset quality improved, and QCR repurchased 95,000 shares.