Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Investor Presentation (October 2026)
28 slides from Qcr's investor presentation, Oct 20, 2026
Slide 1: Investor Presentation September 2026
Investor Presentation September 2026
Slide 2: Special Note Concerning Forward-Looking Statements
Special Note Concerning Forward-Looking Statements. This document contains, and future oral and written statements of the Company and its management may contain, forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities
Slide 3: Who We Are: Vision and Mission
3 Our Vision Guides Us. Exceptional people providing extraordinary performance for our clients, shareholders, and communities. Our Mission Drives Us. We make financial dreams a reality. QCR Holdings, Inc. is a Midwest-based bank holding company, established in 1993, with a relationship-driven approa
Slide 4: Why Invest
4 WHY INVEST Distinct Operating Model ✓ Local charter autonomy attracts the best bankers with customized solutions for clients ✓ Leading market position in demographically attractive and growing mid-sized metros Consistent Top Tier Financial Performance in Every Interest Rate Environment ✓ ~1.47% ad
Slide 5: QCR Holdings Is a Top Performer
5 QCR HOLDINGS IS A TOP PERFORMER Source: S&P Capital IQ Pro (1) Includes banks and thrifts traded on the NYSE, NYSEAM or NASDAQ as of 9/30/2026; excludes merger targets. (2) Represents average GAAP ROAA from 2021Y through 2025Y. (3) Compounded annual growth in tangible book value per share from 12/
Slide 6: Four Bank Charters and Diversified Noninterest Income
6 Entity States/Region # Locations Deposits Market Share Quad City Bank & Trust Iowa/Illinois - Quad Cities 5 $2.4B #1 Cedar Rapids Bank & Trust Iowa -Cedar Rapids 8 $1.9B #1 Guaranty Bank Missouri - Springfield 13 $1.9B #2 Community State Bank Iowa - Des Moines/ Ankeny 9 $1.3B #7 Four distinct oper
Slide 7: We Have Built a Track Record of Growth
7 $4.4 B $7.1 B 2020 2025 $4.6 B $7.2 B 2020 2025 $4.3 B $7.2 B 2020 2025 $32.16 $57.86 2020 2025 $3.96 $7.64 2020 2025 WE HAVE BUILT A TRACK RECORD OF GROWTH (1) Defined as total deposits less brokered deposits. Adjusted Earnings per Share 14% CAGR Tangle Book Value per Share Loans Core Deposits As
Slide 8: Consistently Delivering Exceptional Shareholder Returns
8 CONSISTENTLY DELIVERING EXCEPTIONAL SHAREHOLDER RETURNS THROUGH SUSTAINED, LONG-TERM GROWTH Note: Peer data source S&P Capital IQ Pro. Peers per proxy statement filed 4/9/26. Adjusted earnings per share and tangible book value per share as of 12/31/2025. (1) Represents stock price changes over the
Slide 9: Building a Long-Term EPS Track Record
9 QCRH Adjusted EPS ($) Adjusted EPS CAGR (%) 5-year 14.0% 9.2% 10-year 14.4% 7.8% 20-year 14.2% 3.9% Data as of 12/31/25. (1) KRX calculated as the median of the current 50 KRX constituents as of 9/30/2026. BUILDING A LONG-TERM EPS TRACK RECORD QCRH KRX(1) $0.92 $1.84 $1.79 $1.72 $1.99 $2.31 $2.66
Slide 10: Top Tier Tangible Book Value Per Share Growth
10 Data as of 12/31/25. QCRH TBVPS ($) TBVPS (%) 5-year 12.5% 4.8% 10-year 11.9% 6.2% 20-year 8.5% 5.4% KRX(2) TOP TIER TANGIBLE BOOK VALUE PER SHARE GROWTH QCRH (1) TBVPS of $40.68, $47.15, $53.75 and 60.89 for 2022, 2023, 2024 and 2025, respectively, excludes the impact of AOCI. (2) KRX calculated
Slide 11: Consistent Improvement in Shareholder Return
11 Adjusted Net Income/Earnings Per Share CONSISTENT IMPROVEMENT IN SHAREHOLDER RETURN Adjusted Net Income CAGR from 2020 – 2025: 15.4% • Top quartile ROAA and ROAE performance • Adjusted ROAA grew from 1.13% in 2020 to 1.39% in 2025 • Adjusted ROAE grew from 11.17% in 2020 to 12.19% in 2025 • Adjus
Slide 12: Low-Income Housing Tax Credit (LIHTC) Lending
12 Our LIHTC business is unique and offers: • Strong pipelines built on relationships • Complexity which creates significant barriers to entry by competitors • Annual consistency and durability in all economic cycles • Strategic use of securitization and loan sales for long-term sustainability and g
Slide 13: Low Income Housing Tax Credit Loans
13 Borrower / Low Income Housing Project Tax Credit Equity Investors Tax Credits Equity Investment QCRH (Lender) Loan Payments Loan Strong Borrowers • Experienced low-income housing developers • Tax credit investors are primarily other banks and corporate investors • Back-to-back swaps on 15-year fi
Slide 14: LIHTC: A Durable, Relationship Driven Platform
14 Built to last • Permanent federal program with four decades of bipartisan support • Scaled national market supporting repeat, multi-project developer relationships Consistent performance through cycles • ~97 percent national occupancy with strong debt service coverage • Stable cash flow across ec
Slide 15: LIHTC Foreclosure Rate vs. Conventional Multifamily Delinquency
15 LOW INCOME HOUSING TAX CREDIT LOANS Annual LIHTC Foreclosure Rate vs. Conventional Multifamily Delinquency Rate • Long track record of strong performance • Very low Loan-To-Values • Extremely low historical industry-wide defaults • Cumulative foreclosure rate of 0.19% since program inception in 1
Slide 16: LIHTC Securitization and Loan Sale Highlights
16 Transaction Highlights • Executed five LIHTC loan securitizations totaling $930 million via Freddie Mac programs • Completed two LIHTC construction loan sales totaling $447 million to private investors Strategic Impact • Provide capacity to grow future LIHTC asset and capital markets revenue gene
Slide 17: Wealth Management Services
17 Assets Under Management ($B) Wealth Management Revenue ($M) • Diverse wealth management solutions serving a wide range of clients • Over 1,900 new relationships added over the last five years • Expanded Wealth Management business to Guaranty Bank charter in Q2 2023 and Community State Bank charte
Slide 18: Strong Asset Growth
18 $2.3 $3.2 $3.8 $4.9 $5.7 $6.1 $6.7 $8.5 $9.0 $9.5 $9.8 $0.6 $0.3 $0.6 $1.2 $0 $2 $4 $6 $8 $10 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 9/30/26 Acquired Assets Total Assets (1) Rockford Bank & Trust assets were removed from this data. CAGR from 2016 – 9/30/26: 15.9% Total Consolidated Ass
Slide 19: Loan Growth Driven by Commercial Lending
19 CAGR from 2021 – 9/30/26: 9.4% Commercial Loans Represent 92% of the Loan Portfolio as of 9/30/26 LOAN GROWTH DRIVEN BY COMMERCIAL LENDING Loans ($B) $4.7 $6.1 $6.5 $6.8 $7.2 $7.2 $4.3 $5.7 $6.0 $6.3 $6.6 $6.6 $0 $1 $2 $3 $4 $5 $6 $7 $8 2021 2022 2023 2024 2025 9/30/26 Total Loans Commercial Loan
Slide 20: Diversified Loan Portfolio
20 DIVERSIFIED LOAN PORTFOLIO Loan Portfolio Composition ($MM) $7.2 Billion as of 9/30/26 Construction & Land Development ($MM) Multi-Family ($MM) (1) C&I includes direct financing leases Multi-familty - LIHTC 82% Multi-family - non LIHTC 18% Construction LIHTC Commercial 45% Construction 49% Reside
Slide 21: Our High-Performing CRE Portfolio
21 • CRE is 60% of total loans • CRE-Office is only 3% of total loans • 18 CRE-Office loans > $3 million (total of $90 million) • CRE-Office is primarily smaller facilities (three stories or less) and located within the QCRH footprint • Non-performing CRE-Office loans of $0 as of 9/30/26 • Over 99%
Slide 22: Strong Credit Culture
22 NPAs / Assets ACL – Loans HFI/Total Loans (%) Focused on maintaining excellent asset quality: • Conservative reserves for credit losses • Five relationships comprise 55% of NPAs • NPA % of total assets well below Company's 20-year historical average. STRONG CREDIT CULTURE 0.56% 0.27% 0.25% 0.05%
Slide 23: Consistent Deposit Growth
23 Core deposits(1) represent 98% of total deposits as of 9/30/26 (1) Core deposits are defined as total deposits less brokered deposits. CONSISTENT DEPOSIT GROWTH Total Deposits ($B) CAGR from 2021 – 9/30/26: 8.4% $4.9 $6.0 $6.6 $7.1 $7.4 $7.2 $4.9 $5.9 $6.2 $6.7 $7.2 $7.0 $0 $3 $6 $9 2021 2022 202
Slide 24: Total Deposit Composition
24 Balances as of 9/30/26. TOTAL DEPOSIT COMPOSITION TOTAL $7.2 Billion TOTAL $7.2 Billion Treasury Management Solutions • Local dedicated teams of treasury management specialists • Market leading client-facing technology • Comprehensive fraud prevention applications • Innovative payment and disburs
Slide 25: Strengthening the Balance Sheet for Future Growth
25 Successful subordinated debt raises in 2019, 2020 and 2022 bolstered total risk-based capital Capital Ratios (1) Capital ratios impacted in Q2 of 2022 due to Guaranty Bank acquisition. (2) Our TCE ratio would equal 9.64% if adjusted for net unrealized losses after tax on our HTM bond portfolio. O
Slide 26: M&A Strike Zone
26 M&A STRIKE ZONE A Disciplined Framework for Evaluating Acquisition Opportunities Year 1 Net Interest Income Exposure (2) Market Leadership • Path to top market share • Scalable franchise Compelling Financials • EPS & ROAA accretive • Limited TBV dilution Cultural & Management Fit • Proven leaders
Slide 27: The Benefits of the QCRH M&A Model
27 $445 $594 $481 $607 $782 $673 $867 $1,169 $1,021 $1,281 $1,717 $1,342 $0 $200 $400 $600 $800 $1,000 $1,200 $1,400 $1,600 $1,800 $2,000 Total Loans Total Assets Core Deposits Pre-Acquisition as of 12/31/15 2021 Projection at Acquisition Actual as of 12/31/21 Actual as of 12/31/25 Community State B
Slide 28: Group Operations
COMMUNITY BANK& TRUST COMMUNITY STATE BANK GROUP OPERATIONS