Form 8-K

8-K — QCR HOLDINGS INC

Accession: 0001171843-26-007017

Filed: 2026-11-02

Period: 2026-10-30

CIK: 0000906465

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — f8k_103026.htm (Primary)

EX-99.1 — PRESS RELEASE (exh_991.htm)

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Form 8-K

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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): October 30, 2026

_______________________________

QCR Holdings, Inc.

(Exact name of registrant as specified in its charter)

_______________________________

Delaware 000-22208 42-1397595

(State or Other Jurisdiction of Incorporation) (Commission File Number) (I.R.S. Employer Identification No.)

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 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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 October 30, 2026, QCR Holdings, Inc. (the “Company”) issued a press release announcing the entry by its wholly-owned banking subsidiary, Cedar Rapids Bank and Trust Company (“CRBT”), into a Branch Sale Agreement with BankIowa. Pursuant to the Branch Sale Agreement, CRBT agrees to sell, and BankIowa agrees to purchase, certain assets and liabilities associated with three of CRBT’s branches operating under the “Community Bank & Trust” brand. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

The information in Item 2.02 of this Current Report on Form 8-K and Exhibit 99.1 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 Press Release dated November 2, 2026.

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

SIGNATURE

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: November 2, 2026 By: /s/ Todd A. Gipple

Todd A. Gipple

President and Chief Executive Officer

EX-99.1 — PRESS RELEASE

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EXHIBIT 99.1

QCR Holdings, Inc. Announces Agreement to Sell Three Branches to BankIowa

MOLINE, Ill., Nov. 02, 2026 (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (Nasdaq: QCRH) (the “Company”) today announced that its subsidiary, Cedar Rapids Bank & Trust Company, has entered into a definitive agreement with BankIowa, based in Cedar Rapids, Iowa, to sell its Community Bank & Trust division, which consists of three branch locations serving the Waterloo-Cedar Falls metropolitan area.

The transaction includes two branches located in Waterloo, Iowa, and one branch located in Cedar Falls, Iowa. The sale includes certain deposits and loans associated with the three branches, totaling approximately $140 million and $29 million, respectively, as of September 30, 2026. Certain wealth management relationships associated with customers in the market are also expected to transition as part of the transaction, representing approximately $153 million in assets under management as of September 30, 2026.

“This transaction reflects our ongoing commitment to strategically allocate resources and optimize our Company for sustained top-tier financial performance,” said Todd A. Gipple, President and CEO of the Company. “While we are grateful for the relationships our team has built in the Waterloo and Cedar Falls markets, we believe this transaction provides the best opportunity for these clients, employees, and communities, while allowing us to sharpen our focus on markets where we see the greatest long-term growth potential.”

“We are excited to welcome these clients and employees to BankIowa,” said Alison Urbina, President and CEO of BankIowa. “This transaction strengthens our presence in the Cedar Valley market and aligns with our commitment to deliver exceptional service and support to the individuals, families, and businesses in the area.”

The transaction is not expected to result in a material gain or loss to the Company and is anticipated to close during the first quarter of 2027, subject to customary closing conditions and regulatory approvals.

Clients of Community Bank & Trust will continue to be served through their existing branch locations and will receive additional information regarding account and service transitions prior to closing.

“We are committed to ensuring a seamless transition for our clients and employees. We appreciate the trust our Waterloo and Cedar Falls clients have placed in us over the years, and we are confident they will continue to receive outstanding local community-based service from BankIowa,” Gipple added.

About Us

QCR Holdings, Inc., headquartered in Moline, Illinois, is a relationship-driven, multi-bank holding company serving the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny and Springfield communities through its wholly owned subsidiary banks. The banks provide full-service commercial and consumer banking and trust and wealth management services. Quad City Bank & Trust Company, based in Bettendorf, Iowa, commenced operations in 1994, Cedar Rapids Bank & Trust Company, based in Cedar Rapids, Iowa, commenced operations in 2001, Community State Bank, based in Ankeny, Iowa, was acquired by the Company in 2016, and Guaranty Bank, based in Springfield, Missouri, was acquired by the Company in 2018. Additionally, the Company serves the Waterloo/Cedar Falls, Iowa community through Community Bank & Trust, a division of Cedar Rapids Bank & Trust Company. The Company has 35 locations in Iowa, Missouri, and Illinois. As of September 30, 2026, the Company had $9.8 billion in assets, $7.2 billion in loans and $7.2 billion in deposits. For additional information, please visit the Company’s website at www.qcrh.com.

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding the anticipated closing of the transaction, regulatory approvals, expected financial impact and other future events. Actual results may differ materially from those indicated in such statements due to various risks and uncertainties. Readers are encouraged to review QCR Holdings, Inc.’s filings with the Securities and Exchange Commission for additional information regarding factors that could affect future results.

Contact:

Doug Neumann

VP, Investor Relations

(309) 743-7753

dneumann@qcrh.com

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