QCR Holdings, Inc. (QCRH) Q2 2025 Earnings Call

Investor webinar replay

Watch the replay and follow the connected company analysis, news, and investor updates for Qcr Holdings, Inc..

Watch the replay

Replay transcript excerpt

WEBVTT 00:00:00.000 -- 00:00:03.240 Good morning and welcome to the QC-R Holdings, Inc. 00:00:03.240 -- 00:00:06.500 Second Quarter 2025 Financial Results Conference Call. 00:00:06.500 -- 00:00:09.160 All participants will be in listen-only mode. 00:00:09.160 -- 00:00:12.240 Should you need assistance, please signal a conference specialist by pressing the star 00:00:12.240 -- 00:00:16.800 key followed by zero. After today's presentation, there will be an opportunity to ask 00:00:16.800 -- 00:00:22.120 questions. To ask a question, you may press star, then one on a touch-tone phone. 00:00:22.120 -- 00:00:25.420 To withdraw your question, please press star, then two. 00:00:25.420 -- 00:00:27.960 Please note, this event is being recorded. 00:00:27.960 -- 00:00:31.580 I would now like to turn the conference over to Todd Gippel, CEO. 00:00:31.580 -- 00:00:34.140 Please go ahead. 00:00:34.680 -- 00:00:37.040 Thank you, operator. Good morning, everyone. 00:00:37.040 -- 00:00:41.900 Thanks for joining our call today. I want to begin with an overview of our second quarter 00:00:41.900 -- 00:00:46.880 performance and then spend some time talking more deeply about the business. 00:00:46.880 -- 00:00:51.260 Nick will then provide additional details on our financial results. 00:00:51.260 -- 00:00:56.460 We delivered strong second quarter earnings, driving in an EPS improvement of 13% 00:00:56.460 -- 00:01:01.540 over the first quarter. These results were highlighted by a significant increase in 00:01:01.540 -- 00:01:07.440 net interest income, driven by both net interest margin expansion and strong loan growth, 00:01:07.440 -- 00:01:12.980 improved capital markets revenue, and disciplined non-interest expense management. 00:01:12.980 -- 00:01:17.700 We were pleased to deliver mar...