Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Q2 2026 Earnings Presentation
28 slides from Qcr's earnings presentation, Jul 23, 2026
Slide 1: Investor Presentation
Investor Presentation June 2026
Slide 2: Forward-Looking Statements; Non-GAAP Financial Measures
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 Sec
Slide 3: Who We Are
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-driv
Slide 4: Why Invest
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% adju
Slide 5: QCR Holdings Is a Top Performer
QCR HOLDINGS IS A TOP PERFORMER 7 Institutions 10-Year (including QCRH) TSR > 250%(5) 10-Year EPS CAGR > 15%(4) 10 Institutions 10-Year TBVPS CAGR > 10%(3) 21 Institutions 5-Year Average ROAA > 1.30%(2) 52 Institutions Exchange Traded Depositories with Assets Between $1B and $20B(1) 208 Institutions
Slide 6: Differentiated Business Lines Drive Outstanding Results
DIFFERENTIATED BUSINESS LINES DRIVE OUTSTANDING RESULTS 30% of our revenue was derived from noninterest income, totaling $29 million in Q2 2026 TRADITIONAL BANKING DIFFERENTIATED BUSINESS LINES Low-Income Housing Tax Credit (“LIHTC”) Lending • Generates capital markets revenue from long-term permane
Slide 7: We Have Built a Track Record of Growth
WE HAVE BUILT A TRACK RECORD OF GROWTH Adjusted Earnings per Share Tangle Book Value per Share 6/30/26 YTD annualized: $8.36 6/30/26: $61.35 $7.64 $57.86 14% 12% $3.96 CAGR CAGR $32.16 2020 2025 2020 2025 Loans Core Deposits(1) Assets Under Management 6/30/26: $7.0B 6/30/26: $7.3B 6/30/26: $7.7B $7.
Slide 8: Consistently Delivering Exceptional Shareholder Returns Through Sustained, Long-Term Growth
CONSISTENTLY DELIVERING EXCEPTIONAL SHAREHOLDER RETURNS THROUGH SUSTAINED, LONG-TERM GROWTH 5-Year Growth 10-Year Growth 20-Year Growth 683% 284% Adjusted 93% Earnings Per 49% 122% 258% Share QCRH Proxy Peer Median QCRH Proxy Peer Median QCRH Proxy Peer Median 412% Tangible 208% 261% Book Value 80%
Slide 9: Building a Long-Term EPS Track Record
BUILDING A LONG-TERM EPS TRACK RECORD QCRH Adjusted EPS ($) Adjusted EPS CAGR (%) QCRH KRX(1) $9 $7.64 $7.03 5-year 14.0% 9.2% $6.80 $6.82 $6.27 $6 $3.96 10-year 14.4% 7.8% $3.66 $3.08 $3 $2.66 $2.31 $1.99 $1.84 $1.79 $1.72 $0.92 20-year 14.2% 3.5% $0 2011 2012 2013 2014 2015 2016 2017 2018 2019 202
Slide 10: Top Tier Tangible Book Value Per Share Growth
TOP TIER TANGIBLE BOOK VALUE PER SHARE GROWTH QCRH TBVPS ($) TBVPS (%) $80 QCRH KRX(2) $60.89 5-year 12.5% 5.1% $60 $53.75 $57.86 $47.15 $50.21 $40.68 $40 $43.81 $38.02 $36.82 10-year 11.9% 6.4% $32.16 $28.15 $20 $22.70 $24.04 $18.81 $20.11 $17.08 $17.50 $15.92 $14.29 20-year 8.5% 5.3% $0 2011 2012
Slide 11: Consistent Improvement in Shareholder Return
CONSISTENT IMPROVEMENT IN SHAREHOLDER RETURN • 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 • Adjusted efficiency ratio improved from 66.25% in 2019 to 57.63% in 2025 Adjusted Net Income/Ear
Slide 12: Low-Income Housing Tax Credit (LIHTC) Lending
LOW-INCOME HOUSING TAX CREDIT ("LIHTC") LENDING 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
Slide 13: Low Income Housing Tax Credit Loans
LOW INCOME HOUSING TAX CREDIT LOANS Providing Municipal and Tax Credit Financing Solutions Strong Borrowers • Experienced low-income housing developers • Tax credit investors are primarily other banks and corporate investors • Back-to-back swaps on 15-year fixed rate loans for clients, while QCRH re
Slide 14: LIHTC: A Durable, Relationship Driven Platform
LIHTC: A DURABLE, RELATIONSHIP DRIVEN PLATFORM Long-term Legislative Support, Relationships with the Best Developers, Proven Track Record of Performance Built to last • Permanent federal program with four decades of bipartisan support • Scaled national market supporting repeat, multi-project develop
Slide 15: Low Income Housing Tax Credit Loans
LOW INCOME HOUSING TAX CREDIT LOANS Annual LIHTC Foreclosure Rate vs. Conventional Multifamily Delinquency Rate LIHTC Industry Strength Offers: • Long track record of strong performance • Very low Loan-To-Values • Extremely low historical industry-wide defaults • Cumulative foreclosure rate of 0.19%
Slide 16: LIHTC Securitization and Loan Sale Highlights
LIHTC SECURITIZATION AND LOAN SALE HIGHLIGHTS Improved NIM Increased liquidity Strengthened capital Managing $10B threshold Total LIHTC Loans ($B) $3.0 Transaction Highlights • Executed five LIHTC loan securitizations totaling $0.3 $930 million via Freddie Mac programs $0.4 $2.4 • Completed two LIHT
Slide 17: Wealth Management Services
WEALTH MANAGEMENT SERVICES Broad scope of services including financial planning, tax and custody services, investment management, estate consulting and trust administration. • Diverse wealth management solutions serving a wide range of clients • Over 1,900 new relationships added over the last five
Slide 18: Strong Asset Growth
STRONG ASSET GROWTH Strong asset growth has been driven by a combination of organic growth and strategic acquisitions leading to high performing ROAA. Total Consolidated Assets ($B)(1) Asset Distribution by Charter CAGR from 2016 – 6/30/26: 16.0% as of 6/30/26 $10 $9.5 $9.5 $1.2 $9.0 $8 $8.5 18% 24%
Slide 19: Loan Growth Driven by Commercial Lending
LOAN GROWTH DRIVEN BY COMMERCIAL LENDING Commercial Loans Represent 92% of the Loan Portfolio as of 6/30/26 Loans ($B) CAGR from 2021 – 6/30/26: 9.4% $8 $7.2 $7.0 $7 $6.8 $6.5 $6.1 $6 $6.6 $6.5 $6.3 $6.0 $4.7 $5.7 $5 To t a l L o a n s $4 $4.3 $3 Commercial Loans $2 $1 $0 2021 2022 2023 2024 2025 6/
Slide 20: Diversified Loan Portfolio
DIVERSIFIED LOAN PORTFOLIO Loan Portfolio Composition ($MM) Construction & Land Development ($MM) $7.0 Billion as of 6/30/26 Residential Land Construction Development 1% 5% CRE - NOO 14% Construction Construction & Commercial LIHTC Land Dev Construction 48% 17% 46% CRE - OO 8% Multi-Family 27% Multi
Slide 21: Our High-Performing CRE Portfolio
OUR HIGH-PERFORMING CRE PORTFOLIO LIHTC Construction CRE - CRE and CRE Office 14% Office Key Takeaways: 5% • CRE is 59% of total loans LIHTC • CRE-Office represents only 3% of Total Loans 37% TOTAL CRE(1) • 16 CRE-Office loans > $3 million (total of $83 million) $4.2 Billion CRE - Non-Office 20% • C
Slide 22: Strong Credit Culture
STRONG CREDIT CULTURE Focused on maintaining excellent asset quality: • Conservative reserves for credit losses • 55% of NPAs consist of five relationships • NPA % of total assets well below Company's 20-year historical average. NPAs / Assets ACL – Loans HFI/Total Loans (%) 0.60% 0.56% 0.50% 1.43% 0
Slide 23: Consistent Deposit Growth
CONSISTENT DEPOSIT GROWTH Core Deposits(1) Represent 98% of Total Deposits Total Deposits ($B) CAGR from 2021 – 6/30/26: 9.7% $9 $7.4 $7.4 $7.1 $6.6 $6.0 $7.2 $7.3 $6 $6.7 $4.9 $6.2 $5.9 T ot a l De p osi t s $4.9 C or e De p osi t s $3 $0 2021 2022 2023 2024 2025 6/30/26 (1) Core deposits are defin
Slide 24: Total Deposit Composition
TOTAL DEPOSIT COMPOSITION Treasury Management Solutions • Local dedicated teams of treasury management specialists • Market leading client-facing technology • Comprehensive fraud prevention applications • Innovative payment and disbursement services • Cash flow and receivables management Deposit Com
Slide 25: Strengthening the Balance Sheet for Future Growth
STRENGTHENING THE BALANCE SHEET FOR FUTURE GROWTH Capital Ratios 16.00% 14.77% 14.28% 14.29% 14.10% 14.19% 14.13% 10.76% 10.33% 10.52% 10.71% 10.68% 9.87% 9.67% 9.55% 10.03% 8.00% 9.29% 8.75% 7.93% 0.00% 2021 2022 (1) 2023 2024 2025 6/30/26(2) TCE Ratio TRBC Ratio CET 1 Successful subordinated debt
Slide 26: M&A Strike Zone
M&A STRIKE ZONE A Disciplined Framework for Evaluating Acquisition Opportunities Market Leadership Compelling Financials Cultural & Management Fit • Path to top market share • EPS & ROAA accretive • Proven leadership team • Scalable franchise • Limited TBV dilution • Consistent execution • Aligned v
Slide 27: The Benefits of the QCRH M&A Model
THE BENEFITS OF THE QCRH M&A MODEL Community State Bank – Des Moines, IA ($MM) $2,000 $20 $19.6 $1,800 $18 $1,717 $1,600 $16 $1,400 $14 $1,342 $1,200 $1,281 $12.8 $12 $1,169 $1,000 $10 $1,021 $9.1 $800 $867 $8 $782 $600 $673 $6 $607 $594 $5.5 $400 $481 $4 $445 11.2% 11.2% 10.8% 13.5% CAGR CAGR CAGR
Slide 28: Community
COMMUNITY TRUST COMMUNITY ¢ Bank 3) STATE BANK GROUP OPERATIONS HOLDINGS, INC.