QCR Holdings Inc. (QCRH) reported a net income of $127.2 million for the year ended December 31, 2025, resulting in diluted earnings per share (EPS) of $7.49. This compares to a net income of $113.9 million and diluted EPS of $6.71 for the same period in 2024. The company's net interest income increased by 10.1% to $255.2 million in 2025, up from $231.8 million in 2024, driven by net interest margin (NIM) expansion and strong loan growth. Provision for credit losses increased slightly to $18.1 million in 2025 from $17.1 million in 2024, reflecting overall loan growth.
Noninterest income saw a slight decrease of 1.0%, totaling $114.3 million in 2025 compared to $115.5 million in 2024, primarily due to lower capital markets revenue from swap fees. Noninterest expense rose by 3.8% to $215.6 million in 2025 from $207.6 million in 2024, mainly due to higher professional and data processing fees and occupancy and equipment expenses related to the company's digital transformation. The company's effective tax rate was 6.4% in 2025, compared to 7.1% in 2024.
Strategic developments in 2025 included loan growth of 11.7%, excluding the impact of a LIHTC construction loan sale and the m2 run-off. The company sold a 100% undivided participation interest in a pool of LIHTC construction loans with an aggregate principal balance of $285.3 million, recognizing a gain of $376 thousand. Core deposit growth was strong at 7%. Assets under management in wealth management increased by $779.7 million to $7.1 billion. The company discontinued offering new loans and leases through m2 in September 2024.
As of December 31, 2025, total assets reached $9.6 billion, with net loans/leases at $7.1 billion and total deposits at $7.4 billion. The company's allowance for credit losses on loans/leases was 1.26% of gross loans/leases held for investment. The company employed 1,004 full-time equivalent employees (FTEs) at the end of 2025, compared to 980 at the end of 2024. The company's strategic financial metrics include targets for loan/lease growth, fee-based income growth, and operating expense control. The company's stock repurchase program authorized the repurchase of up to 1,700,000 shares of its common stock.
About QCR HOLDINGS INC
QCR Holdings, Inc. is a multi-bank holding company based in Illinois, operating through four wholly-owned community banks in Iowa and Missouri. It provides full-service commercial, consumer, and real estate banking, along with trust, asset management, and equipment leasing. The company focuses on loan and deposit services, risk management, and community engagement, competing in regional markets with a strong emphasis on relationship banking and financial stability.
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