---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-005236"
form_type: "8-K"
ticker: "QCRH"
cik: "0000906465"
company_name: "QCR HOLDINGS INC"
filed_at: "2025-01-22T23:59:59+00:00"
generated_at: "2026-05-27T21:41:34.763339+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# QCR Holdings Q4 2024 net income $30.2M, adjusted EPS $1.93; record full-year net income $113.9M

## Summary
- Q4 2024 GAAP diluted EPS $1.77 vs $1.64 Q3; adjusted diluted EPS $1.93 vs $1.78 Q3.
- Record net interest income $61.2M; adjusted NIM (TEY) up 6 bps to 3.40%; Q1 2025 NIM guidance flat to +5 bps.
- Capital markets revenue $20.6M including $1.4M gain from fourth LIHTC securitization; swap fee revenue guidance $50-60M next 12 months.
- Loans grew $120.5M (7% annualized) to $6.8B; full-year gross growth 10%; 2025 net loan growth target 1-3% after securitization.
- NPAs increased $9.9M to $45.6M (0.50% of assets); largest NPA ($9.7M) fully paid off in January 2025.

## SEC filing metadata
- accession: 0001104659-25-005236
- form_type: 8-K
- ticker: QCRH
- cik: 0000906465
- company_name: QCR HOLDINGS INC
- filed_at: 2025-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/906465/000110465925005236/0001104659-25-005236-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/906465/000110465925005236/tm254034d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-005236
- JSON: https://secwatch.observer/filing/0001104659-25-005236.json
- Plain text: https://secwatch.observer/filing/0001104659-25-005236.txt

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