---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-005875"
form_type: "8-K"
ticker: "QCRH"
cik: "0000906465"
company_name: "QCR HOLDINGS INC"
filed_at: "2024-01-23T23:59:59+00:00"
generated_at: "2026-06-06T20:24:35.007679+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.78
calibrated_materiality_score: 0.78
confidence: "high"
source: SEC EDGAR
---

# QCRH reports record Q4 net income $32.9M; capital markets revenue surges to $37M

## Summary
- Q4 net income $32.9M ($1.95 diluted EPS), up from $25.1M in Q3; record full-year net income $113.6M ($6.73 diluted EPS).
- Record capital markets revenue of $37.0M in Q4; full-year total $92.1M, up 123% YoY.
- NIM expanded 1bp to 2.90% (3.32% TEY); adjusted NIM TEY 3.29%, above guidance midpoint.
- Loans grew 13% annualized in Q4; 2024 loan growth target 8-10% prior to planned securitizations.
- Tangible book value per share rose $3.48 (35% annualized); TCE/TA improved to 8.75%.

## SEC filing metadata
- accession: 0001104659-24-005875
- form_type: 8-K
- ticker: QCRH
- cik: 0000906465
- company_name: QCR HOLDINGS INC
- filed_at: 2024-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.78
- calibrated_materiality_score: 0.78
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/906465/000110465924005875/0001104659-24-005875-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/906465/000110465924005875/tm243746d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-005875
- JSON: https://secwatch.observer/filing/0001104659-24-005875.json
- Plain text: https://secwatch.observer/filing/0001104659-24-005875.txt

## Key facts
- Earnings Releases
  QCR HOLDINGS INC reported the quarter and year ended December 31, 2023 results: net income $32.9 million for the Fourth Quarter and $113.6 million for the Full Year 2023, EPS $1.95 per diluted share for the fourth quarter and $6.73 per diluted share for the full year. Guidance raised.
  - Period: the quarter and year ended December 31, 2023
  - Net income: $32.9 million for the Fourth Quarter and $113.6 million for the Full Year 2023
  - EPS: $1.95 per diluted share for the fourth quarter and $6.73 per diluted share for the full year
  - Guidance: raised
  - Result: reported results
  source text: On January 23, 2024, QCR Holdings, Inc. (the “Company”) issued a press release disclosing financial results for the quarter and year ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/906465/000110465924005875/0001104659-24-005875-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.