QCR Holdings INC: management transactions · United States · SEC (Form 4)

About QCR Holdings INC

QCR Holdings, Inc. (NASDAQ: QCRH) is a U.S.-listed bank holding company headquartered in Moline, Illinois, United States. For French, Belgian, and Swiss investors, it represents a regionally focused financial institution with a relationship-driven model, a multi-bank structure, and a strategy designed to combine local client service with centralized operating efficiency. The company was formed in February 1993 under Delaware law, giving it an established track record while still retaining the flexibility of a mid-cap regional banking franchise rather than a national money-center institution. Its core business is conducted through wholly owned subsidiary banks that provide full-service commercial banking, consumer banking, trust services, and wealth management capabilities. QCR Holdings operates through a set of branded local banks, including Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank, Guaranty Bank, and Community Bank & Trust. Its footprint is concentrated in the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities, with locations across Iowa, Missouri, and Illinois. That regional diversification is strategically important: it allows the company to serve multiple local economies while maintaining a community-banking identity and avoiding overdependence on a single market. From a competitive standpoint, QCRH differentiates itself through proximity, responsiveness, and a client-centric credit culture. Compared with larger national banks, it can often offer more tailored service to commercial clients, entrepreneurs, and households seeking a more personalized banking relationship. Its product set includes commercial and consumer loans, deposits, treasury and cash-management solutions, trust and wealth services, and, increasingly, specialized lending capabilities. One notable area is its LIHTC (low-income housing tax credit) business, which management has described as a durable and profitable growth engine and which supports both lending volumes and capital markets revenue. Recent developments have been constructive. In the first quarter of 2026, QCR Holdings reported net income of $33.4 million and said it expects to close a second LIHTC construction loan sale of approximately $207.3 million in funded balances during the second quarter of 2026. Earlier, the fourth quarter of 2025 delivered record annual net income, along with further net interest margin expansion, strong capital markets income, and solid wealth management revenue. The company has also continued returning capital via dividends and share repurchases. Overall, QCRH appears positioned as a disciplined Midwest regional banking platform with a differentiated specialty-lending franchise, steady profitability, and a clear local-market orientation on the Nasdaq in the United States.