Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Investor Presentation (July 2025)
25 slides from Qcr's investor presentation, Jul 25, 2025
Slide 1: Investor Presentation June 2025
Investor Presentation June 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: Differentiated Business Lines Drive Outstanding Results
Differentiated Business Lines Drive Outstanding Results 26% of our revenue was derived from noninterest income, totaling $22 million in Q2 2025 Market Share (2) Deposits (2) # Locations States/Region Entity #1 $2.1B 5 Iowa/Illinois - Quad Cities Quad City Bank & Trust #1 $1.7B 8 Iowa - Cedar Rapids/
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 $6.52 2020 6/30/2025 (1) 12% CAGR $32.16 $53.28 2020 6/30/25 Tangle Book Value per Share $4.4 B $6.7 B 2020 6/30/25 Assets Under Management Loans $4.3 B $6.9
Slide 7: Consistently Delivering Exceptional Shareholder Returns
Consistently Delivering Exceptional Shareholder Returns Through Sustained, Long - Term Growth Note: Peer Data Source: S&P Capital IQ Pro. Note: Peers per proxy statement filed 4/8/24. Excludes Heartland Financial USA, Inc. Adjusted Earnings Per Share Tangible Book Value Per Share Stock Price Perform
Slide 8: Building a Long-Term EPS Track Record
QCRH Core EPS ($) Core EPS CAGR (%) 2.9% 13.9% 5 - year 6.4% 15.1% 10 - year 3.6% 9.2% 20 - year $0.92 8 $1.84 $1.79 $1.72 $1.99 $3.08 $2.66 $2.31 $3.66 $3.96 $6.27 $6.80 $6.82 $7.03 $2 $4 $6 $8 $0 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Data as of 12/31/24 Building a L
Slide 9: Top Tier Tangible Book Value Per Share Growth
QCRH TBVPS ($) 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 9 $40 .68 $47 .15 $53 .75 $0 $30 $60 201 1 201 2 201 3 201 4 201 5 201 6 201 7 201 8 201 9 202 0 202 1 202 2 (1 ) 202 3 (1 ) 202 4 (1 ) 3.7% 12.3% 5 - year 5.2% 11
Slide 10: Adjusted Net Income/Earnings Per Share
Adjusted Net Income/Earnings Per Share Adjusted Net Income CAGR (1) from 2019 – 2024: 15.3% Consistent Improvement in Shareholder Return • Top quartile ROAA and ROAE performance • Adjusted ROAA grew from 1.15% in 2019 to 1.35% 2024 • Adjusted ROAE grew from 11.53% in 2019 to 12.61% 2024 • Adjusted e
Slide 11: Specialty Finance Group (SFG)
Our SFG 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 for long - term sustainability and growth $0 $2 $4 2020 202
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 Data shown from the Cohn Reznick - Affordable House Credit Study, November 20 23 LIHTC Industry Strength Offers: • Long track record of strong performance • Very low Loan - To - Values • E
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 $5.1 $1.0 $1.2 $1.0 $1.2 $1.4 $1.6 $0 $2 $4 $6 $8 2020 2021 2022 2023 2024 6/30/25 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 $19.2 $0 $6 $12 $18 $24 2020 2021 2022 2023 2024 6/30/25 (1) Wealth Management Revenue ($M) CAGR from 2020 – 6/3
Slide 16: Strong Asset Growth
$2.3 $3.2 $3.8 $4.9 $5.7 $6.1 $6.7 $8.5 $9.0 $9.2 $0.6 $0.3 $0.6 $1.2 $0 $2 $4 $6 $8 $10 2016 2017 2018 2019 2020 2021 2022 2023 2024 6/30/25 Acquired Assets Total Assets (1) Rockford Bank & T rust assets were removed from this data. 25% 29% 29% 17% Total Consolidated Assets ($B) (1) CAGR from 2016
Slide 17: Loan Growth Driven by Commercial Lending
Loans ($B) CAGR from 2020 - 6/30/25: 11.2% Commercial Loans Represent 92% of the Loan Portfolio as of 6/30/25 Loan Growth Driven by Commercial Lending $ 4 . 3 $ 4 . 7 $ 6 . 1 $ 6 . 5 $ 6 . 8 $ 6 . 9 $ 3 . 9 $ 4 . 3 $ 5 . 7 $ 6 . 0 $ 6 . 3 $ 6 . 4 $2 $1 $0 $3 $4 $5 $6 $7 $8 2020 2021 2022 2023 2024 6
Slide 18: Diversified Loan Portfolio
Diversified Loan Portfolio Construction LIHTC $1,075 (70%) Commercial Construction $366 (24%) Residential Construction $9 (1%) Land Development $79 (5%) Multi - familty - LIHTC $950 (76%) Multi - family - non LIHTC $302 (24%) Loan Portfolio Composition ($MM) $6.9 Billion as of 6/30/25 Construction &
Slide 19: Our High-Performing CRE Portfolio
$969 LIHTC 14% $1,075 LIHTC Construction 16% $223 CRE - Office 3% $961 CRE - Non - Office 14% $454 Construction & Land Dev 7% $301 Multi - Family 4% 19 • CRE is 58% of total loans • CRE - Office represents only 3% of Total Loans • 15 CRE - Office loans > $3 million (total of $81 million) • CRE - Off
Slide 20: Strong Credit Culture Supported by High Levels of Reserves
NPAs / Assets 0.56% 0.27% 0.25% 0.11% 0.05% 0.40% 0.50% 0.46% 0.00% 0.30% 0.60% 2018 2019 2020 2021 2022 2023 2024 6/30/25 1.43% 1.33% 1.32% 1.28% 1.24% 1.24% 1.23% 2022 2023 6/30/25 Q CRH 2024 Pr oxy Peer M edian ACL – Loans HFI/Total Loans (%) 20 Strong Credit Culture Supported by High Levels of R
Slide 21: Core Deposits Represent 96% of Total Deposits
Core Deposits (1) Represent 96% of Total Deposits (1) Core deposits are defined as total deposits less brokered deposits. Balances as of 6/30/25. Consistent Deposit Growth Total Deposits ($B) CAGR from 2020 - 6/30/25: 10.9% Core Deposit CAGR from 2020 - 6/30/25: 9.9% $4.6 $4.9 $6.0 $6.6 $7.1 $7.3 $4
Slide 22: Deposit Base and Composition
Retail 25% Commercial 57% Brokered 4% Correspondent 14% DDA 51% Brokered 4% Time Deposits 13% Savings 3% MMDA 29% 22 Balances as of 6/30/25. Total Deposit Composition TOTAL $7.3 Billion TOTAL $7.3 Billion Treasury Management Solutions • Local dedicated teams of treasury management specialists • Mark
Slide 23: Well-Positioned in Today's Rate Environment
$3.6 $4.4 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% 9.92% 14.95% 14.77% 14.28% 14.29% 14.10% 14.26% 10.55% 10.76% 9.29% 9.67% 10.03% 10.43% 0.00% 8.00% 16.00% 2020 2022 (1) 2024 6/30/25 (2) 2021 TCE Ratio 2023 TRBC Ratio CET 1
Slide 25: BANK &
AD BANK & TRUST cSB rom Guaranty Ge COMMUNITY kez: ww, HOLDINGS, INC: