{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-089992","form_type":"8-K","ticker":"QCRH","cik":"0000906465","company_name":"QCR HOLDINGS INC","filed_at":"2025-09-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.653771+00:00","generated_at":"2026-05-17T06:42:21.968983+00:00","sec_items":["1.01","2.03","7.01","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"QCR Holdings closes $70M subordinated note offering to refinance existing debt","bullets":["Issued $50M of 6.875% Fixed-to-Floating Notes due 2035 and $20M of 7.225% Notes due 2037.","Proceeds used to redeem $50M of 5.125% Notes due 2030 and $20M of 5.25% Notes due 2030.","New notes qualify as Tier 2 capital; fixed rates switch to SOFR+350 bps and SOFR+375 bps after 5 and 7 years.","CEO Todd Gipple highlighted blended coupon below 7% as competitive; private placement with a local company.","No equity dilution; notes are unsecured, subordinated obligations with limited acceleration triggers."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-089992","json":"https://secwatch.observer/filing/0001104659-25-089992.json","markdown":"https://secwatch.observer/filing/0001104659-25-089992.md","text":"https://secwatch.observer/filing/0001104659-25-089992.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/906465/000110465925089992/0001104659-25-089992-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/906465/000110465925089992/tm2525783d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T06:42:21.968983+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":[{"claim_id":"1f563b0fe4894dfcb3bbe06a401ea7abd4ae2efd","claim":"QCR HOLDINGS INC incurred senior notes of $50 million in aggregate principal amount of its 6.875% Fixed-to-Floating Rate Subordinated Notes due 2035 and $20 milli with a certain qualified institutional buyer at 6.875% per year fixed for 2035 Notes; 7.225% per year fixed for 2037 Notes maturing 2035 Notes mature September 15, 2035; 2037 Notes mature September 15, 2037.","evidence_excerpt":"On September 15, 2025, QCR Holdings, Inc. (the “ Company ”) entered into a Subordinated Note Purchase Agreement (the “ Purchase Agreement ”) with a certain qualified institutional buyer (the “ Purchaser ”) pursuant to which the Company sold and issued: (i) $50 million in aggregate principal amount of its 6.875% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “ 2035 Notes ”), and (ii) $20 million in aggregate principal amount of its 7.225% Fixed-to-Floating Rate Subordinated Notes due 2037 (the “ 2037 Notes ” and, together with the 2035 Notes, the “ Notes ”).","evidence_source":"SEC 8-K Item 2.03/2.04","evidence_url":"https://www.sec.gov/Archives/edgar/data/906465/000110465925089992/0001104659-25-089992-index.htm","confidence":0.99,"family_label":"Debt Financings","details":[{"label":"Instrument","value":"senior notes"},{"label":"Principal","value":"$50 million in aggregate principal amount of its 6.875% Fixed-to-Floating Rate Subordinated Notes due 2035 and $20 milli"},{"label":"Counterparty","value":"a certain qualified institutional buyer"},{"label":"Rate","value":"6.875% per year fixed for 2035 Notes; 7.225% per year fixed for 2037 Notes"},{"label":"Maturity","value":"2035 Notes mature September 15, 2035; 2037 Notes mature September 15, 2037"},{"label":"Event","value":"incurrence"}],"fact_type":"debt_financing"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}