secwatch.observer — SEC 8-K summary
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Issuer:     QCR HOLDINGS INC (QCRH)
CIK:        0000906465
Form:       8-K
Filed at:   2025-04-22T23:59:59+00:00
Accession:  0001104659-25-037415
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/906465/000110465925037415/0001104659-25-037415-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/906465/000110465925037415/tm2512814d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-037415

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