QCR Holdings Caps Off Historic Fiscal Year with Strong Fourth Quarter

QCR US74727A1043

The financial institution QCR Holdings has reported a record-breaking performance for its 2025 fiscal year, culminating in a fourth quarter that substantially outperformed market expectations. The company's profitability was fueled by a favorable interest rate climate and strategic operational execution, leading to its most successful annual period to date.

For the final quarter of 2025, QCR Holdings announced adjusted diluted earnings per share (EPS) of $2.21. This result handily exceeded the consensus estimate of $2.03 among analysts. Quarterly revenue came in at $107.0 million, meeting Wall Street's forecasts.

The firm's net income for the closing quarter hit $35.7 million. On an adjusted basis, profit reached $37.3 million. These figures underscore a period of effective management that delivered the strongest year in the company's history.

Net Interest Income Provides Major Boost

A central component of the robust performance was net interest income, which totaled $68.4 million for the quarter. This represents an annualized growth rate of 22% compared to the third quarter of 2025. Concurrently, the tax-adjusted net interest margin (NIM) improved by six basis points to 3.57%.

Furthermore, capital markets activities contributed significantly, generating $24.5 million in revenue during Q4. The synergy of organic growth and enhanced margin efficiency demonstrates the bank's adept navigation of the current economic landscape.

The achievement of a record annual profit for 2025 highlights the company's strengthened earnings capacity. As QCR Holdings moves into the 2026 fiscal year, it does so from a position of reinforced capital and substantially expanded interest income.