Form 8-K

8-K — QCR HOLDINGS INC

Accession: 0001104659-26-085795

Filed: 2026-07-22

Period: 2026-07-22

CIK: 0000906465

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — qcrh-20260722x8k.htm (Primary)

EX-99.1 (qcrh-20260722xex99d1.htm)

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8-K

8-K (Primary)

Filename: qcrh-20260722x8k.htm · Sequence: 1

QCR Holdings, Inc._July 22, 2026

0000906465false00009064652026-07-222026-07-22

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): July 22, 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 7.01. Regulation FD Disclosure.

On July 22, 2026, QCR Holdings, Inc. (the “Company”) posted a presentation to the Company’s website. The presentation is available to view at www.qcrh.com and is also attached hereto as Exhibit 99.1 and incorporated by reference herein.

The information in Item 7.01 of this Current Report on Form 8-K and the related exhibit 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

Investor Presentation dated July 22, 2026.

104

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

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.

Date: July 22, 2026

By:

/s/ Nick W. Anderson

Nick W. Anderson

EVP, Chief Financial Officer

EX-99.1

Filename: qcrh-20260722xex99d1.htm · Sequence: 2

Exhibit 99.1

Investor Presentation

June 2026

Special Note Concerning Forward-Looking Statements. This document contains, and future oral and written statements of the Company and its management may contain, forward-looking statements

within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The Company intends such forward-looking

statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of

operations, plans, objectives, future performance and business of the Company. Forward-looking statements, which may be based upon beliefs, expectations and assumptions of the Company’s

management and on information currently available to management, are generally identifiable by the use of words such as “believe,” “expect,” “anticipate,” “bode”, “predict,” “suggest,” “project”, “appear,”

“plan,” “intend,” “estimate,” ”annualize,” “may,” “will,” “would,” “could,” “should,” “likely,” “might,” “potential,” “continue,” “annualized,” “target,” “outlook,” as well as the negative forms of those words, or other

similar expressions. Additionally, all statements in this document, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no obligation to update any

statement in light of new information or future events.

Forward-looking statements are not historical facts but instead represent management’s current expectations and forecasts regarding future events, many of which are inherently uncertain and outside of

our control. Actual results may differ, possibly materially, from those currently expected or projected in these forward-looking statements. These forward-looking statements are subject to known and

unknown risks, uncertainties and other factors that could cause actual results to differ materially from the results anticipated or implied by forward-looking statements. A number of factors, many of which

are beyond the ability of the Company to control or predict, could cause actual results to differ materially from those in its forward-looking statements. These factors include, but are not limited to: (i) the

strength of the local, state, national and international economies and financial markets, including effects of inflationary pressures, the threat or implementation of tariffs, immigration enforcement and

changes in foreign policy; (ii) effects on the U.S. economy resulting from actions taken by federal and local governments, including changes in local, state and federal laws and regulations, the threat or

implementation of tariffs, immigration enforcement and changes in foreign policy; (iii) the economic impact of any future terrorist threats and attacks, widespread disease or pandemics, military conflicts,

acts of war or threats thereof (including the Russian invasion of Ukraine, ongoing conflicts in the Middle East, and other adverse external events that can increase levels of political and economic

unpredictability, contribute to rising energy and commodity prices, affect global supply chains, increase the volatility of financial markets, and other

matters beyond our control, and the response of the local, state and national governments to any such adverse external events; (iv) new or revised accounting policies and practices, as may be adopted

by state and federal regulatory agencies, the FASB, the Securities and Exchange Commission (the “SEC”) or the PCAOB; (v) the imposition of tariffs or other governmental policies impacting the value of

products produced by the Company’s commercial borrowers; (vi) increased competition in the financial services sector, including from non-bank competitors such as credit unions, private credit firms,

fintech companies, and digital asset service providers and the inability to attract new customers; (vii) rapid technological changes implemented by us and our third-party vendors, including the development

and implementation of tools incorporating artificial intelligence; (viii) unexpected results of acquisitions, including failure to realize the anticipated benefits of the acquisitions and the possibility that

transaction and integration costs may be greater than anticipated; (ix) the loss of key executives and employees, talent shortages and employee turnover; (x) changes in consumer spending; (xi)

unexpected outcomes and costs of existing or new litigation or other legal proceedings and regulatory actions involving the Company; (xii) the economic impact on the Company and its customers of

climate change, natural disasters and exceptional weather occurrences such as tornadoes, floods and blizzards; (xiii) fluctuations in the value of securities held in our securities portfolio, including as a

result of changes in interest rates; (xiv) credit risk and risks from concentrations (by type of borrower, geographic area, collateral and industry) within our loan portfolio and large loans to certain borrowers

(including CRE loans); (xv) the overall health of the local and national real estate market; (xvi) the ability to maintain an adequate level of allowance for credit losses on loans; (xvii) the concentration of

large deposits from certain clients who have balances above current FDIC insurance limits and who may withdraw deposits to diversify their exposure; (xviii) the ability to successfully manage liquidity risk,

which may increase dependence on non-core funding sources such as brokered deposits, and may negatively impact the Company’s cost of funds; (xix) the level of non-performing assets on our balance

sheet; (xx) interruptions involving our information technology and communications systems or third-party servicers; (xxi) the occurrence of fraudulent activity, breaches or failures of the Company’s or our

third-party vendors’ information security controls or cybersecurity-related incidents, including as a result of sophisticated attacks using artificial intelligence and similar tools or as a result of insider fraud;

(xxii) emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action, damage our reputation or otherwise materially harm our business or

customers; (xxiii) changes in the interest rates and repayment rates of the Company’s assets; (xxiv) the effectiveness of the Company’s risk management framework; and (xxv) the ability of the Company

to manage the risks associated with the foregoing. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such

statements. Additional information concerning the Company and its business, including additional factors that could materially affect the Company’s financial results, is included in the Company’s filings

with the SEC.

FORWARD-LOOKING STATEMENTS

These slides contain non-GAAP financial measures. For purposes of Regulation G, a non-GAAP financial measure is a numerical measure of the registrant’s historical or future financial performance,

financial position or cash flows that excludes amounts, or is subject to adjustments that have the effect of excluding amounts, that are included in the most directly comparable measure calculated and

presented in accordance with GAAP in the statement of income, balance sheet or statement of cash flows (or equivalent statements) of the issuer; or includes amounts, or is subject to adjustments that

have the effect of including amounts, that are excluded from the most directly comparable measure so calculated and presented. In this regard, GAAP refers to generally accepted accounting principles in

the United States. Pursuant to the requirement of Regulation G, the Company has provided reconciliations within the slides, as necessary, of the non-GAAP financial measure to the most directly

comparable GAAP financial measure. For more details on the Company’s non-GAAP measures, refer to the Company’s Annual Report on Form 10-K for the year ended December 31, 2025.

NON-GAAP FINANCIAL MEASURES

Our Vision Guides Us.

Exceptional people providing extraordinary performance for

our clients, shareholders, and communities.

Our Mission Drives Us.

We make financial dreams a reality.

QCR Holdings, Inc. is a Midwest-based bank holding company, established in 1993, with a relationship-driven approach. We consistently

deliver strong returns on average assets (ROAA) and boast a track record of profitable growth. Our unique and diversified noninterest income

sources contribute to our upper quartile performance compared to industry peers.

$9.5 billion

in total assets

$7.7 billion

in Wealth

Management AUM

~1,000

dedicated team

members

locations across

3 states.

WHO WE ARE

WHY INVEST

Distinct Operating Model

✓ Local charter autonomy attracts the best bankers with customized solutions for clients

✓ Leading market position in demographically attractive and growing mid-sized metros

Consistent Top Tier Financial Performance in Every Interest Rate Environment

✓ ~1.47% adjusted return on average assets over the last five years

✓ Tangible book value and earnings per share growth significantly above proxy peers with additional runway

Diversified Sources of Income

✓ Robust wealth management and capital market income streams complement traditional fee income sources

✓ On average, ~33% of total revenue derived over the past 5 years has been from noninterest income compared to ~23% for Proxy Peers

Disciplined Underwriting and Credit Culture

✓ Centralized credit policy-making ensures corporate best practices and maintains global asset quality of portfolio

✓ Overlapping members of credit committees formalizes institution-wide approach to credit

Strong Management Team

✓ Experienced management team with decades of experience at QCRH in multiple organizational positions

✓ Track record of successfully navigating multiple cycles and integrating prudent acquisitions

Delivering Shareholder Value

✓ Substantial stock price outperformance as compared to Proxy Peers over the short and long term

✓ Room for growth and history of delivering industry leading returns

Source: S&P Capital IQ Pro. Five-year averages from 2021 to 2025.

QCR HOLDINGS IS A TOP PERFORMER

Source: S&P Capital IQ Pro

(1) Includes banks and thrifts traded on the NYSE, NYSEAM or NASDAQ as of 4/6/2026; excludes merger targets.

(2) Represents average GAAP ROAA from 2021Y through 2025Y.

(3) Defined as having compounded annual growth in tangible book value per share from 12/31/2015 through 12/31/2025 greater than 10%.

(4) Defined as having compounded annual growth in GAAP earnings per share from 2015 through 2025 greater than 15%.

(5) Represents total shareholder return from 4/6/2016 through 4/6/2026.

10-Year

TSR > 250%(5)

10-Year EPS

CAGR > 15%(4)

10-Year TBVPS CAGR > 10%(3)

5-Year Average ROAA > 1.30%(2)

Exchange Traded Depositories

with Assets Between $1B and $20B(1)

10 Institutions

21 Institutions

52 Institutions

208 Institutions

7 Institutions

(including QCRH)

Entity States/Region # Locations Deposits Market Share

Quad City Bank & Trust Iowa/Illinois - Quad Cities 5 $2.3B #1

Cedar Rapids Bank & Trust Iowa -Cedar Rapids 8 $1.9B #1

Guaranty Bank Missouri - Springfield 14 $1.9B #2

Community State Bank Iowa - Des Moines/ Ankeny 9 $1.3B #7

Four distinct operating bank charters, managed by local veteran bankers, governed by local Boards of Directors with customized solutions by market

30% of our revenue was derived from noninterest income, totaling $29 million in Q2 2026

Low-Income Housing Tax Credit (“LIHTC”) Lending

• Generates capital markets revenue from long-term

permanent debt financing

Wealth Management

• Broad scope of services with recent expansion in southwest

Missouri and central Iowa

• $7.7 billion in AUM as of 6/30/2026

Correspondent Banking

• Competitive deposit products

• 188 banking relationships

• Approximately $1.5 billion in liquidity

TRADITIONAL BANKING DIFFERENTIATED BUSINESS LINES

Note: Location, deposit data, and market share as of 6/30/25

DIFFERENTIATED BUSINESS LINES DRIVE OUTSTANDING RESULTS

$4.4 B

$7.1 B

2020 2025

$4.6 B

$7.2 B

2020 2025

$4.3 B

$7.2 B

2020 2025

$32.16

$57.86

2020 2025

$3.96

$7.64

2020 2025

WE HAVE BUILT A TRACK RECORD OF GROWTH

(1) Defined as total deposits less brokered deposits.

Adjusted Earnings per Share

14%

CAGR

Tangle Book Value per Share

Loans Core Deposits Assets Under Management (1)

12%

CAGR

11%

CAGR

10%

CAGR

6/30/26 YTD annualized: $8.36 6/30/26: $61.35

6/30/26: $7.0B 6/30/26: $7.3B 6/30/26: $7.7B

CONSISTENTLY DELIVERING EXCEPTIONAL SHAREHOLDER

RETURNS THROUGH SUSTAINED, LONG-TERM GROWTH

Note: Peer data source S&P Capital IQ Pro. Peers per proxy statement filed 4/9/26. Adjusted earnings per share and tangible book value per share as of 12/31/2025.

(1) Represents stock price changes over the 5-year, 10-year, and 20-year periods ending 6/30/2026.

Adjusted

Earnings Per

Tangible

Book Value

Per Share

Stock Price

Performance(1)

5-Year Growth 10-Year Growth 20-Year Growth

80%

20%

QCRH Proxy Peer Median

208%

89%

QCRH Proxy Peer Median

412%

261%

QCRH Proxy Peer Median

102%

20%

QCRH Proxy Peer Median

258%

95%

QCRH Proxy Peer Median

465%

143%

QCRH Proxy Peer Median

93%

49%

QCRH Proxy Peer Median

284%

122%

QCRH Proxy Peer Median

683%

258%

QCRH Proxy Peer Median

QCRH Adjusted EPS ($) Adjusted EPS CAGR (%)

5-year 14.0% 9.2%

10-year 14.4% 7.8%

20-year 14.2% 3.5%

Data as of 12/31/25. (1) KRX calculated as the median of the current 50 KRX constituents as of 6/30/2026.

BUILDING A LONG-TERM EPS TRACK RECORD

QCRH KRX(1)

$0.92

$1.84 $1.79 $1.72

$1.99

$2.31

$2.66

$3.08

$3.66

$3.96

$6.27

$6.80 $6.82

$7.03

$7.64

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

Data as of 12/31/25.

QCRH TBVPS ($) TBVPS (%)

5-year 12.5% 5.1%

10-year 11.9% 6.4%

20-year 8.5% 5.3%

KRX(2)

TOP TIER TANGIBLE BOOK VALUE PER SHARE GROWTH

QCRH

(1) TBVPS of $40.68, $47.15, $53.75 and 60.89 for 2022, 2023, 2024 and 2025, respectively, excludes the impact of AOCI.

(2) KRX calculated as the median of the current 50 KRX constituents as of 6/30/2026.

$15.92 $17.08

$14.29

$17.50 $18.81 $20.11

$22.70 $24.04

$28.15

$32.16

$38.02 $36.82

$43.81

$50.21

$57.86

$40.68

$47.15

$53.75

$60.89

$20

$40

$60

$80

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022(1) 2023(1) 2024(1) 2025 (1)

Adjusted Net Income/Earnings Per Share

CONSISTENT IMPROVEMENT IN SHAREHOLDER RETURN

Adjusted Net Income CAGR from 2020 – 2025: 15.4%

• Top quartile ROAA and ROAE performance

• Adjusted ROAA grew from 1.13% in 2020 to 1.39% in 2025

• Adjusted ROAE grew from 11.17% in 2020 to 12.19% in 2025

• Adjusted efficiency ratio improved from 66.25% in 2019 to 57.63% in 2025

$63

$100

$115 $115 $119

$130

$3.96

$6.27 $6.80 $6.82 $7.03

$7.64

$0.00

2020 2021 2022 2023 2024 2025

Adjusted Net Income

Adjusted EPS

Data as of 12/31/25

Our LIHTC business is unique and offers:

• Strong pipelines built on relationships

• Complexity which creates significant barriers to entry by competitors

• Consistent source of revenue in all economic cycles

• Strategic use of securitization and loan sales for long-term sustainability and growth

LOW-INCOME HOUSING TAX CREDIT ("LIHTC") LENDING

(1) Capital markets revenue includes both LIHTC and traditional swap fee income.

(2) The high-point of the company's current 12-month guidance range is $70 million.

$61.0

$41.3

$91.4

$70.1

$64.7

$26.1

$70.0

$20

$40

$60

$80

$100

2021 2022 2023 2024 2025 6/30/26 (2)

Guidance Fee Income

Capital Markets Revenue (1) ($MM)

Borrower /

Low Income Housing Project

Tax Credit Equity

Investors Tax Credits

Equity Investment

QCRH

(Lender) Loan Payments Loan

Strong Borrowers

• Experienced low-income housing developers

• Tax credit investors are primarily other banks and corporate investors

• Back-to-back swaps on 15-year fixed rate loans for clients, while QCRH receives floating rate

Overall Positive Impact

• Helps QCRH manage interest rate risk

• QCRH recognizes capital markets revenue

• Increases the availability of much needed affordable housing

• Significant contributor to CRA efforts

LOW INCOME HOUSING TAX CREDIT LOANS

Providing Municipal and Tax Credit Financing Solutions

Back-to-Back Swap & Capital Markets Revenue

Built to last

• Permanent federal program with four decades of

bipartisan support

• Scaled national market supporting repeat, multi-project

developer relationships

Consistent performance through cycles

• ~97 percent national occupancy with strong debt service

coverage

• Stable cash flow across economic environments

Structurally low credit risk

• Negligible cumulative foreclosure history

• Risk profile driven by experienced developers and

program design

Expanding pipelines

• Recent program enhancements expected to increase

affordable housing production

• Reinforces long-term pipelines versus one-time

transactions

LIHTC: A DURABLE, RELATIONSHIP DRIVEN PLATFORM

Long-term Legislative Support, Relationships with the Best Developers, Proven Track Record of Performance

LOW INCOME HOUSING TAX CREDIT LOANS

Annual LIHTC Foreclosure Rate vs. Conventional Multifamily Delinquency Rate

• Long track record of strong

performance

• Very low Loan-To-Values

• Extremely low historical

industry-wide defaults

• Cumulative foreclosure rate of

0.19% since program

inception in 1986

Data shown from the Cohn Reznick - Affordable House Credit Study, November 2025

LIHTC Industry Strength Offers:

Transaction Highlights

• Executed five LIHTC loan securitizations totaling

$930 million via Freddie Mac programs

• Completed two LIHTC construction loan sales

totaling $447 million to private investors

Strategic Impact

• Provide capacity to grow future LIHTC asset and

capital markets revenue generation

• Enhance liquidity and reduce funding costs

• Maintain the LIHTC portfolio within our

established concentration levels

$1.1

$1.6

$1.7

$2.0

$2.4

$2.3

$0.3

$0.4

$0.3 $0.4

$0.0

$1.0

$2.0

$3.0

2021 2022 2023 2024 2025 6/30/26

Sold

LIHTC

LIHTC SECURITIZATION AND LOAN SALE HIGHLIGHTS

Total LIHTC Loans ($B)

Improved NIM Increased liquidity Strengthened capital Managing $10B threshold

$4.2

$3.6

$4.1

$4.9

$5.4

$5.8

$1.2

$1.0

$1.2

$1.4

$1.7

$1.9

2021 2022 2023 2024 2025 6/30/26

Brokerage

/IRA

Trust/Inv

Mgmt

$4.6

$5.3

$6.3

$15.3 $14.5

$15.6

$17.9

$19.9

$22.5

$12

$18

$24

2021 2022 2023 2024 2025 6/30/26 (1)

Assets Under Management ($B) Wealth Management Revenue ($M)

• Diverse wealth management solutions serving a wide range of clients

• Over 1,900 new relationships added over the last five years

• Expanded Wealth Management business to Guaranty Bank charter in Q2 2023 and Community State Bank charter in Q2 2024

CAGR from 2021 – 6/30/26: 9.0%

$5.4

$7.1

CAGR from 2021 – 6/30/26: 8.1%

206 321 340 340

Number of New Client Relationships Added

WEALTH MANAGEMENT SERVICES

Broad scope of services including financial planning, tax and custody services, investment

management, estate consulting and trust administration.

469

$7.7

340 (1)

(1) Annualized

$2.3

$3.2

$3.8

$4.9

$5.7

$6.1

$6.7

$8.5

$9.0

$9.5 $9.5

$0.6

$0.3

$0.6

$1.2

$10

2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 6/30/26

Acquired Assets

Total Assets

(1) Rockford Bank & Trust assets were removed from this data.

CAGR from 2016 – 6/30/26: 16.0%

Total Consolidated Assets ($B)(1)

STRONG ASSET GROWTH

Strong asset growth has been driven by a combination of organic growth and

strategic acquisitions leading to high performing ROAA.

Asset Distribution by Charter

as of 6/30/26

24%

29%

18%

CAGR from 2021 – 6/30/26: 9.4%

Commercial Loans Represent 92% of the Loan Portfolio as of 6/30/26

LOAN GROWTH DRIVEN BY COMMERCIAL LENDING

Loans ($B)

$4.7

$6.1

$6.5

$6.8

$7.2 $7.0

$4.3

$5.7

$6.0 $6.3

$6.6 $6.5

2021 2022 2023 2024 2025 6/30/26

Total Loans

Commercial

Loans

DIVERSIFIED LOAN PORTFOLIO

Loan Portfolio Composition ($MM)

$7.0 Billion as of 6/30/26

Construction & Land Development ($MM)

Multi-Family ($MM)

(1) C&I includes direct financing leases

C&I (1)

23%

CRE - OO

CRE - NOO

14% Construction &

Land Dev

17%

Multi-Family

27%

1-4 Family RE

Consumer

2% Multi-familty -

LIHTC

81%

Multi-family -

non LIHTC

19%

Construction

LIHTC

48%

Commercial

Construction

46%

Residential

Construction

Land

Development

• CRE is 59% of total loans

• CRE-Office represents only 3% of Total Loans

• 16 CRE-Office loans > $3 million (total of $83 million)

• CRE-Office is primarily smaller facilities (three stories or

less) and located within the QCRH footprint

• Negligible non-performing CRE-Office loans of $2.7

million or 4 basis point of total loans and leases

• Over 99% of all CRE loans are performing

CRE and CRE Office

Key Takeaways:

OUR HIGH-PERFORMING CRE PORTFOLIO

Balances are as of 6/30/26. Percentages are of total loans and leases.

(1) Total CRE is calculated in alignment with regulatory definitions which exclude owner-occupied CRE. Percentages in the chart are as a percent of total loans.

TOTAL CRE(1)

$4.2 Billion

CRE -

Office

CRE - Non-Office

20%

Construction & Land Dev

15%

Multi-Family

LIHTC

37%

LIHTC Construction

14%

NPAs / Assets ACL – Loans HFI/Total Loans (%)

Focused on maintaining excellent asset quality:

• Conservative reserves for credit losses

• 55% of NPAs consist of five relationships

• NPA % of total assets well below Company's 20-year historical average.

STRONG CREDIT CULTURE

0.56%

0.27% 0.25%

0.05%

0.11%

0.40%

0.50%

0.45%

0.41%

0.00%

0.30%

0.60%

2018 2019 2020 2021 2022 2023 2024 2025 6/30/26

1.43%

1.33% 1.32% 1.24% 1.24% 1.23% 1.26%1.26% 1.24%

2022 2023 2024 2025 6/30/26

QCRH Proxy Peer Median

Core Deposits(1) Represent 98% of Total Deposits

(1) Core deposits are defined as total deposits less brokered deposits.

CONSISTENT DEPOSIT GROWTH

Total Deposits ($B)

CAGR from 2021 – 6/30/26: 9.7%

$4.9

$6.0

$6.6

$7.1 $7.4 $7.4

$4.9

$5.9 $6.2

$6.7

$7.2 $7.3

2021 2022 2023 2024 2025 6/30/26

T ot a l De p osi t s

C or e De p osi t s

Balances as of 6/30/26.

TOTAL DEPOSIT COMPOSITION

TOTAL

$7.4 Billion

TOTAL

$7.4 Billion

Treasury Management Solutions

• Local dedicated teams of treasury management specialists

• Market leading client-facing technology

• Comprehensive fraud prevention applications

• Innovative payment and disbursement services

• Cash flow and receivables management

Deposit Composition Deposit Base

DDA

57%

Brokered

Time Deposits

11%

Savings

MMDA

27%

Retail

24%

Commercial

60%

Brokered

Correspondent

14%

Successful subordinated debt raises in

2019, 2020 and 2022 bolstered total

risk-based capital

9.87%

7.93%

8.75%

9.55%

10.33% 10.71%

14.77% 14.28% 14.29% 14.10% 14.19% 14.13%

10.76%

9.29% 9.67% 10.03% 10.52% 10.68%

0.00%

8.00%

16.00%

2021 2022 (1) 2023 2024 2025 6/30/26(2)

TCE Ratio TRBC Ratio CET 1

Capital Ratios

(1) Capital ratios impacted in Q2 of 2022 due to Guaranty Bank acquisition.

(2) Our TCE ratio would equal 9.84% if adjusted for net unrealized losses after tax on our HTM bond portfolio. Our TRBC ratio would equal 13.24% if adjusted for AOCI and net unrealized losses after tax on our HTM bond portfolio.

STRENGTHENING THE BALANCE SHEET

FOR FUTURE GROWTH

Lowest dividend payout ratio in peer

group retains capital for strong organic

and M&A growth

Strong earnings and securitizations

expand capital organically

M&A STRIKE ZONE

A Disciplined Framework for Evaluating Acquisition Opportunities

Year 1 Net Interest Income Exposure (2)

Market Leadership

• Path to top market share

• Scalable franchise

Compelling Financials

• EPS & ROAA accretive

• Limited TBV dilution

Cultural & Management Fit

• Proven leadership team

• Consistent execution

• Aligned values

Geography

• Current1 or contiguous states

• Operational efficiencies

• Existing brand adjacency

Demographics

• Affluent households

• Population growth

• MSA of 200K - 1MM

Franchise Quality

• $1B - $4B in total assets

• Strong core deposits

• Disciplined credit culture

• Consistent profitability

Market Profitability

• High ROAA markets

• Favorable deposit costs

• Strong banking economics

Business Climate

• GDP growth

• Business formation

• Low unemployment

Growth Opportunities

• Wealth management

• Treasury management

• Diversified revenue streams

(1) Excludes Illinois

$445

$594

$481

$607

$782

$673

$867

$1,169

$1,021

$1,281

$1,717

$1,342

$200

$400

$600

$800

$1,000

$1,200

$1,400

$1,600

$1,800

$2,000

Total Loans Total Assets Core Deposits

Pre-Acquisition as of 12/31/15 2021 Projection at Acquisition

Actual as of 12/31/21 Actual as of 12/31/25

Community State Bank – Des Moines, IA ($MM)

THE BENEFITS OF THE QCRH M&A MODEL

$5.5

$9.1

$12.8

$19.6

$10

$12

$14

$16

$18

$20

Net Income

11.2%

CAGR

11.2%

CAGR

10.8%

CAGR

13.5%

CAGR

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