QCR Holdings Q1 net income $25.8M, adjusted EPS $1.53; suspends full-year loan growth guidance

QCR HOLDINGS INC

2025-Q1 EPS reported $1.52

Net income of $25.8M ($1.52 diluted EPS) vs $30.2M ($1.77) in Q4 2024; adjusted net income $26.0M ($1.53 adjusted EPS).
Adjusted NIM (TEY) expanded to 3.41%, up 1bp QoQ; guiding Q2 adjusted NIM TEY static to +4bps assuming no Fed rate cuts.
Core deposits surged $332.2M (+20% annualized); loans held for investment grew $38.9M to $6.8B.
Suspending full-year loan growth guidance; providing Q2 guidance of 4-6% annualized growth due to macroeconomic uncertainty.
Nonperforming assets ratio 0.53%, criticized loans fell to 2.06% (5-year low); total risk-based capital ratio improved to 14.16%.

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