Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Investor Presentation (October 2025)
25 slides from Qcr's investor presentation, Oct 24, 2025
Slide 1: Investor Presentation September 2025
Investor Presentation September 2025
Slide 2: Forward-Looking Statements
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 the Private Securities Litigation Reform Act of 1995 wi
Slide 3: Who We Are
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 appr
Slide 4: Why Invest
WHY INVEST Distinct Operating Model x Local charter autonomy attracts the best bankers with customized solutions for clients x Leading market position in demographically attractive and growing mid - sized metros Consistent Top Tier Financial Performance in Every Interest Rate Environment x ~1.45% ad
Slide 5: Four bank charters, markets and business lines
Market Share (2) Deposits (2) # Locations States/Region Entity #1 $2.3B 5 Iowa/Illinois - Quad Cities Quad City Bank & Trust #1 $1.9B 8 Iowa - Cedar Rapids/Cedar Valley Cedar Rapids Bank & Trust 1 #2 $1.9B 14 Missouri - Springfield Guaranty Bank #7 $1.3B 9 Iowa - Des Moines/ Ankeny Community State B
Slide 6: We Have Built a Track Record of Growth
WE HAVE BUILT A TRACK RECORD OF GROWTH… (1) Annualized (2) Defined as total deposits less brokered deposits Adjusted Earnings per Share $3.96 $7.24 2020 9/30/2025 (1) 14% CAGR $32.16 $55.78 2020 9/30/25 Tangle Book Value per Share $4.4 B $7.0 B 2020 9/30/25 Assets Under Management Loans $4.3 B $7.2
Slide 7: Consistently Delivering Exceptional Shareholder Returns
CONSISTENTLY DELIVERING EXCEPTIONAL SHAREHOLDER RETURNS THROUGH SUSTAINED, LONG - TERM GROWTH Note: Peer Data Source: S&P Capital IQ Pro. Note: Peers per proxy statement filed 8/4/25. Excludes Heartland Financial USA, Inc. Adjusted Earnings Per Share Tangible Book Value Per Share Stock Price Perform
Slide 8: Building a Long-Term EPS Track Record
QCRH Core EPS ($) Core EPS CAGR (%) 7.1% 13.5% 5 - year 6.6% 16.7% 10 - year 3.7% 10.3% 20 - year $3.96 $3.66 $6.27 $6.80 $6.82 $7.03 $7.24 $0 $3.08 $2.66 $2.31 $2 $1.84 $1.79 $1.72 $1.99 $0.92 $4 $6 $8 BUILDING A LONG - TERM EPS TRACK RECORD Data as of 12/31/24. (1) 9/30/25 annualized. (2) KRX calc
Slide 9: Top Tier Tangible Book Value Per Share Growth
QCRH TBVPS ($) TBVPS (%) $15 .92 $17 .08 $14 .29 $17 .50 $18 .81 $20 .11 $22 .70 $24 .04 $28 .15 $32 .16 $38 .02 $36 .82 $43 .81 $50 .21 $40 .68 9 $47 .15 $53 .75 $55 .78 $58 .90 $0 $30 $60 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022(1) 2023(1) 2024(1) 9/31/25(1) 4.3% 12.3% 5 - year
Slide 10: Consistent Improvement in Shareholder Return
Adjusted Net Income/Earnings Per Share Adjusted Net Income CAGR (1) from 2019 – 9/30/25: 13.5% CONSISTENT IMPROVEMENT IN SHAREHOLDER RETURN • Top quartile ROAA and ROAE performance • Adjusted ROAA grew from 1.15% in 2019 to 1.34% 9/30/25 • Adjusted ROAE grew from 11.53% in 2019 to 11.78% 9/30/25 • A
Slide 11: Specialty Finance Group (SFG)
$74.8 $61.0 $41.3 $91.4 $70.1 $40.2 $65.0 $0 $20 $40 $60 $80 $100 2020 2021 2022 2023 2024 9/30/25 (2) Guidance Fee Income Our SFG business is unique and offers: • Strong pipelines built on relationships • Complexity which creates significant barriers to entry by competitors • Consistent source of r
Slide 12: Low Income Housing Tax Credit Loans
QCRH (Lender) Borrower / Low Income Housing Project Tax Credit Equity Investors Loan Payments Tax Credits Equity Investment Loan Rent 12 Strong Borrowers • Experienced low - income housing developers • Tax credit investors are primarily other banks and corporate investors • Back - to - back swaps on
Slide 13: Low Income Housing Tax Credit Loans Performance
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 0.22% since program inception i
Slide 14: LIHTC Securitization Highlights
Successful closing of first four securitizations selling nearly $650MM of LIHTC loans via Freddie Mac Programs • Strengthened capital and NIM • Increased liquidity • $1MM net gain on securitizations in 2024 Securitization will allow us to… • Provide capacity to sustain future LIHTC asset and capital
Slide 15: Wealth Management Services
$3.4 $4.2 $3.6 $4.1 $4.9 $5.4 $1.0 $1.2 $1.0 $1.2 $1.4 $1.6 $0 $2 $4 $6 $8 2020 2021 2022 2023 2024 9/30/25 Bro ke ra ge/ RIA Trus t/ I nv Mgm t $4.6 $5.3 $12.6 15 $15.3 $14.5 $15.6 $17.9 $19.5 $0 $6 $12 $18 $24 2020 2021 2022 2023 2024 9/30/25 (1) Wealth Management Revenue ($M) CAGR from 2020 – 9/3
Slide 16: Strong Asset Growth
$2.3 $3.2 $3.8 $4.9 $5.7 $6.1 $6.7 $8.5 $9.0 $9.6 $0.6 $0.3 $0.6 $1.2 $0 $2 $4 $6 $8 $10 2016 2017 2018 2019 2020 2021 2022 2023 2024 9/30/25 Acquired Assets Total Assets (1) Rockford Bank & T rust assets were removed from this data. 25% 29% 29% 17% Total Consolidated Assets ($B) (1) CAGR from 2016
Slide 17: Loan Growth Driven by Commercial Lending
Loans ($B) CAGR from 2020 - 9/30/25: 11.4% LOAN GROWTH DRIVEN BY COMMERCIAL LENDING Commercial Loans Represent 92% of the Loan Portfolio as of 9/30/25 $ 4 . 3 $ 4 . 7 $ 6 . 1 $ 6 . 5 $ 6 . 8 $ 7 . 2 $ 3 . 9 $ 4 . 3 $ 5 . 7 $ 6 . 0 $ 6 . 3 $ 6 . 6 $2 $1 $0 $3 $4 $5 $6 $7 $8 2020 2021 2022 2023 2024 9
Slide 18: Diversified Loan Portfolio
DIVERSIFIED LOAN PORTFOLIO Construction LIHTC $1,029 (67%) Commercial Construction $425 (27%) Residential Construction $13 (1%) Land Development $78 (5%) Multi - familty - LIHTC $1,187 (79%) Multi - family - non LIHTC $317 (21%) Loan Portfolio Composition ($MM) $7.2 Billion as of 9/30/25 Constructio
Slide 19: Our High-Performing CRE Portfolio
$226 CRE - Office 14% $976 CRE - Non - Office 16% $516 Construction & Land Dev 7% $316 Multi - Family 14% $1,206 LIHTC 7% $1,029 LIHTC Construction 14% 19 • CRE is 59% of total loans • CRE - Office represents only 3% of Total Loans • 16 CRE - Office loans > $3 million (total of $82 million) • CRE -
Slide 20: Strong Credit Culture Supported by Conservative Reserves
NPAs / Assets 0.56% 0.27% 0.25% 0.11% 0.05% 0.40% 0.50% 0.45% 0.00% 0.30% 0.60% 2018 2019 2020 2021 2022 2023 2024 9/30/25 1.43% 1.33% 1.32% 1.24% 1.24% 1.24% 1.23% 2022 2023 9/30/25 Q CRH 2024 Pr oxy Peer M edian ACL – Loans HFI/Total Loans (%) 20 STRONG CREDIT CULTURE SUPPORTED BY CONSERVATIVE RES
Slide 21: Consistent Deposit Growth
CONSISTENT DEPOSIT GROWTH Core Deposits (1) Represent 96% of Total Deposits (1) Core deposits are defined as total deposits less brokered deposits. Balances as of 9/30/25. Total Deposits ($B) CAGR from 2020 - 9/30/25: 10.5% Core Deposit CAGR from 2020 - 9/30/25: 9.7% $4.6 $4.9 $6.0 $6.6 $7.1 $7.4 $4
Slide 22: Total Deposit Composition
Retail 24% Commercial 59% Brokered 4% Correspondent 13% DDA 49% Brokered 4% Time Deposits 14% Savings 2% MMDA 31% 22 Balances as of 9/30/25. TOTAL DEPOSIT COMPOSITION TOTAL $7.4 Billion TOTAL $7.4 Billion Treasury Management Solutions • Local dedicated teams of treasury management specialists • Mark
Slide 23: Well-Positioned in Today's Rate Environment
$3.9 $5.0 Rate Sensitive Assets Rate Sensitive Liabilities WELL - POSITIONED IN TODAY’S RATE ENVIRONMENT • Balance sheet became liability sensitive due to shifts in mix of core deposit portfolio in an elevated interest rate environment • Benefiting from recent reductions in interest rates with stron
Slide 24: Strengthening the Balance Sheet for Future Growth
Successful subordinated debt raises in 2019, 2020 and 2022 bolstered total risk - based capital 9.05% 9.87% 7.93% 8.75% 9.55% 9.97% 14.95% 14.77% 14.28% 14.29% 14.10% 14.03% 10.55% 10.76% 9.29% 9.67% 10.03% 10.34% 0.00% 8.00% 16.00% 2020 2022 (1) 2024 9/30/25 (2) 2021 TCE Ratio 2023 TRBC Ratio CET 1
Slide 25: o (geen GS
GB. o (geen GS IMMUNITY STATE BANK J RoUP OPERATIONS HOLDINGS, INC.