---
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"
generated_at: "2026-05-23T09:51:59.183370+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-037415
- JSON: https://secwatch.observer/filing/0001104659-25-037415.json
- Plain text: https://secwatch.observer/filing/0001104659-25-037415.txt

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