Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Investor Presentation (April 2026)
27 slides from Qcr's investor presentation, Apr 22, 2026
Slide 1: Investor Presentation March 2026
Investor Presentation March 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 the Private Securities Litigation Reform Act of 1995 with respect to the financial condit
Slide 3: Who We Are
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 ü Local charter autonomy attracts the best bankers with customized solutions for clients ü Leading market position in demographically attractive and growing mid-sized metros Consistent Top Tier Financial Performance in Every Interest Rate Environment ü ~1.45% ad
Slide 5: QCR Holdings Is a Top Performer
5 QCR HOLDINGS IS A TOP PERFORMER Source: S&P Capital IQ Pro. Financial data is as of December 31, 2025. (1) Includes banks and thrifts traded on the NYSE, NYSEAM or NASDAQ as of 4/6/26; excludes merger targets. (2) Represents average GAAP ROAA of 2021Y, 2022Y, 2023Y, 2024Y and 2025Y. (3) Defined as
Slide 6: Bank charters and noninterest income businesses
6 Entity States/Region # Locations Deposits(2) Market Share(2) Quad City Bank & Trust Iowa/Illinois - Quad Cities 5 $2.3B #1 Cedar Rapids Bank & Trust 1 Iowa -Cedar Rapids/Cedar Valley 8 $1.9B #1 Guaranty Bank Missouri - Springfield 14 $1.9B #2 Community State Bank Iowa - Des Moines/ Ankeny 9 $1.3B
Slide 7: We Have Built a Track Record of Growth
7 WE HAVE BUILT A TRACK RECORD OF GROWTH (1) Annualized (2) Defined as total deposits less brokered deposits Adjusted Earnings per Share $6.27 $7.98 2021 3/31/2026 (1) 6% CAGR $38.02 $59.18 2021 3/31/26 Tangle Book Value per Share $5.4 B $7.0 B 2021 3/31/26 Loans Assets Under Management $4.7 B $7.3
Slide 8: Consistently Delivering Exceptional Shareholder Returns
8 CONSISTENTLY DELIVERING EXCEPTIONAL SHAREHOLDER RETURNS THROUGH SUSTAINED, LONG-TERM GROWTH Note: Peer Data Source: S&P Capital IQ Pro. Note: Peers per proxy statement filed 4/9/26. (1) QCRH financial and market data is as of 3/31/26. Peer financial data is as of 12/31/25 and market data as of 3/3
Slide 9: Building a Long-Term EPS Track Record
9 QCRH Adjusted EPS ($) Adjusted EPS CAGR (%) 5-year 14.0% 8.4% 10-year 16.8% 7.8% 20-year 10.5% 3.5% $0.92 $1.84 $1.79 $1.72 $1.99 $2.31 $2.66 $3.08 $3.66 $3.96 $6.27 $6.80 $6.82 $7.03 $7.64 $0 $3 $6 $9 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Data as of 12/31/25.
Slide 10: Top Tier Tangible Book Value Per Share Growth
10 $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 $57.86 $40.68 $47.15 $53.75 $60.89 $0 $20 $40 $60 $80 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022(1) 2023(1) 2024(1) 2025 (1) Data as of 12/31/25 QCRH TBVPS ($) TBVPS (%) 5-year 12.5%
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 • Consistent source of revenue in all economic cycles • Strategic use of securitization and loan sales for long-term sustainability and growth
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 fix
Slide 14: LIHTC: A Durable, Relationship Driven Platform
14 Built to last • Permanent federal program with nearly 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 ac
Slide 15: Annual LIHTC Foreclosure Rate vs. Conventional Multifamily Delinquency Rate
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 Successful closing of first four securitizations selling nearly $650MM of LIHTC loans via Freddie Mac Programs • Strengthened capital and NIM • Increased liquidity Securitization and loan sales will allow us to… • Provide capacity to grow future LIHTC asset and capital markets revenue generation.
Slide 17: Wealth Management Services
17 $4.2 $3.6 $4.1 $4.9 $1.2 $5.4 $5.3 $1.0 $1.2 $1.4 $1.7 $1.7 $0 $2 $4 $6 $8 2021 2022 2023 2024 2025 3/31/26 Brokerage/I RA Trust/Inv Mgmt $4.6 $5.3 $6.3 $15.3 $14.5 $15.6 $17.9 $19.9 $21.7 $0 $6 $12 $18 $24 2021 2022 2023 2024 2025 3/31/26(1) Assets Under Management ($B) Wealth Management Revenue
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 $9.6 $0.6 $0.3 $0.6 $1.2 $0 $2 $4 $6 $8 $10 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 3/31/26 Acquired Assets Total Assets (1) Rockford Bank & Trust assets were removed from this data. 24% 31% 28% 17% CAGR from 2016 – 3/31/26: 13.8% Total
Slide 19: Loan Growth Driven by Commercial Lending
19 CAGR from 2021 – 3/31/26: 11.0% Commercial Loans Represent 92% of the Loan Portfolio as of 3/31/26 LOAN GROWTH DRIVEN BY COMMERCIAL LENDING Loans ($B) $4.7 $6.1 $6.5 $6.8 $7.2 $7.3 $4.3 $5.7 $6.0 $6.3 $6.6 $6.7 $0 $1 $2 $3 $4 $5 $6 $7 $8 2021 2022 2023 2024 2025 3/31/26 Total Loans Commercial Loa
Slide 20: Diversified Loan Portfolio
20 DIVERSIFIED LOAN PORTFOLIO Construction LIHTC $694 (53%) Commercial Construction $532 (41%) Residential Construction $7 (1%) Land Development $69 (5%) Multi-familty - LIHTC $1,583 (82%) Multi-family - non LIHTC $355 (18%) Loan Portfolio Composition ($MM) $7.3 Billion as of 3/31/26 Construction &
Slide 21: Our High-Performing CRE Portfolio
21 $229 CRE - Office 3% $912 CRE - Non-Office 13% $608 Construction & Land Dev 8% $355 Multi-Family 5% $1,601 LIHTC 22% $694 LIHTC Construction 10% • CRE is 61% of total loans • CRE-Office represents only 3% of Total Loans • 18 CRE-Office loans > $3 million (total of $97 million) • CRE-Office is pri
Slide 22: Strong Credit Culture
22 NPAs / Assets 0.56% 0.27% 0.25% 0.05% 0.11% 0.40% 0.50% 0.45% 0.45% 0.00% 0.30% 0.60% 2018 2019 2020 2021 2022 2023 2024 2025 3/31/26 1.43% 1.33% 1.32% 1.24% 1.24% 1.23% 1.26%1.26% 1.26% 2022 2023 2024 2025 3/31/26 QCRH Proxy Peer Median ACL – Loans HFI/Total Loans (%) Focused on maintaining exce
Slide 23: Consistent Deposit Growth
23 Core Deposits(1) Represent 98% of Total Deposits (1) Core deposits are defined as total deposits less brokered deposits. Balances as of 3/31/26. CONSISTENT DEPOSIT GROWTH Total Deposits ($B) CAGR from 2021 – 3/31/26: 11.4% $4.9 $6.0 $6.6 $7.1 $7.4 $7.8 $4.9 $5.9 $6.2 $6.7 $7.2 $7.6 $0 $3 $6 $9 20
Slide 24: Total Deposit Composition
24 Retail 22% Commercial 58% Brokered 2% Correspondent 18% DDA 59% Brokered 2% Time Deposits 12% Savings 2% MMDA 25% Balances as of 3/31/26. TOTAL DEPOSIT COMPOSITION TOTAL $7.8 Billion TOTAL $7.8 Billion Treasury Management Solutions • Local dedicated teams of treasury management specialists • Mark
Slide 25: Well-Positioned in Today's Rate Environment
25 $4.7 $5.6 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 as interest rates began rising in 2022 interest rate environment • Benefiting from recent reductions in
Slide 26: Strengthening the Balance Sheet for Future Growth
26 Successful subordinated debt raises in 2019, 2020 and 2022 bolstered total risk-based capital 9.87% 7.93% 8.75% 9.55% 10.33% 10.31% 14.77% 14.28% 14.29% 14.10% 14.19% 14.00% 10.76% 9.29% 9.67% 10.03% 10.52% 10.54% 0.00% 8.00% 16.00% 2021 2022 (1) 2023 2024 2025 3/31/26(2) TCE Ratio TRBC Ratio CET
Slide 27: Group Operations
QUAD CITY BANK & TRUST COMMUNITY STATE BANK HOLDING COMMUNITY BANK & TRUST Ge GROUP OPERATIONS