{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-037415","form_type":"8-K","ticker":"QCRH","cik":"0000906465","company_name":"QCR HOLDINGS INC","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.750534+00:00","generated_at":"2026-05-23T09:51:59.183370+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"QCR Holdings Q1 net income $25.8M, adjusted EPS $1.53; suspends full-year loan growth guidance","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-037415","json":"https://secwatch.observer/filing/0001104659-25-037415.json","markdown":"https://secwatch.observer/filing/0001104659-25-037415.md","text":"https://secwatch.observer/filing/0001104659-25-037415.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/906465/000110465925037415/0001104659-25-037415-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/906465/000110465925037415/tm2512814d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:51:59.183370+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}