QCR Q2 Earnings Call Highlights

2 months ago 36

MarketBeat

Thu, July 23, 2026 astatine 12:07 PM CDT 7 min read

Key Points

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QCR posted beardown second-quarter results, reporting nett income of $36 million, oregon $2.19 per diluted share, with grounds quarterly GAAP EPS and a 28% year-over-year summation successful EPS. Management credited indebtedness production, superior markets activity, wealthiness absorption maturation and disbursal control.
Loan maturation and superior markets remained cardinal drivers, with full loans up $217 cardinal successful the 4th and superior markets gross rebounding to $15 million. The institution reaffirmed full-year indebtedness maturation guidance of 10% to 15% and expects $60 cardinal to $70 cardinal successful superior markets gross implicit the adjacent 4 quarters.
Asset prime and superior returns improved, arsenic non-performing assets fell to $40 cardinal and criticized loans dropped to their lowest level since 2019. QCR besides repurchased astir 150,000 shares successful the 4th and has returned astir $56 cardinal to shareholders done buybacks implicit the past 4 quarters.

QCR (NASDAQ:QCRH) reported what absorption described arsenic a beardown 2nd 4th of 2026, with nett income of $36 million, oregon $2.19 per diluted share, arsenic the slope holding institution cited indebtedness production, superior markets activity, wealthiness absorption maturation and disbursal subject arsenic cardinal contributors.

President and CEO Todd Gipple said the 4th produced "record quarterly GAAP net per share," portion adjusted net per stock was adjacent grounds levels. He said instrumentality connected mean assets was 1.51%, and net per stock roseate 28% from the prior-year quarter.

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Gipple said QCR's diversified concern exemplary supported the results, pointing to higher nett involvement income, a rebound successful superior markets revenue, continued momentum successful wealthiness absorption and beardown plus quality. He besides noted that tangible publication worth per stock has accrued by $8, oregon 15%, since June 30 of past year, portion the institution returned astir $56 cardinal to shareholders done stock repurchases implicit the past 4 quarters.

Loan Growth and Net Interest Income

CFO Nick Anderson said nett involvement income totaled $68 cardinal successful the 2nd quarter, up $500,000, oregon 3% annualized, from the archetypal quarter. He said robust earning plus maturation much than offset the interaction of Low-Income Housing Tax Credit, oregon LIHTC, indebtedness offtake transactions.

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Anderson said the company's nett involvement borderline connected a tax-equivalent output ground declined 3 ground points from the archetypal 4th and came successful beneath guidance. He attributed the diminution to a displacement toward higher-cost non-core backing and little indebtedness yields, including reduced indebtedness discount accretion and non-accrual activity. However, helium said deposit pricing subject helped trim deposit costs during the quarter.

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