QCRHHIGH SIGNALRISK10-K

QCRH experienced a dramatic reduction in provision for credit losses from $55.7M to $5.7M, indicating either significantly improved credit quality or potential underprovisioning risk.

The substantial decrease in credit loss provisions suggests either a meaningful improvement in loan portfolio quality or a potentially aggressive approach to loss recognition that could create future earnings volatility. This magnitude of change in credit provisioning warrants close monitoring of loan quality metrics and management's credit risk assessment methodology.

Comparing 2026-02-27 vs 2025-02-28View on EDGAR →
FINANCIAL ANALYSIS

QCRH delivered solid financial performance with revenue growing 20.7% to $166.0M and net income advancing 11.7% to $127.2M. The most striking change was the dramatic reduction in provision for credit losses, which fell to just $5.7M from the prior year's $55.7M. The company maintained healthy liquidity with cash growing 12.9% and strengthened its capital position with stockholders' equity increasing 11.5% to $1.1B, while capital expenditures rose notably to $67.4M.

FINANCIAL STATEMENT CHANGES
Provision for Credit Losses
P&L
-89.8%
$55.7M→$5.7M

Provisions reduced 89.8% — improving credit quality or reserve release boosting reported earnings.

Capital Expenditure
Cash Flow
+51.6%
$44.5M→$67.4M

Capital expenditure jumped 51.6% — major investment cycle underway; assess returns on deployment.

Revenue
P&L
+20.7%
$137.5M→$166.0M

Revenue growing 20.7% — solid top-line momentum, watch margins for quality of growth.

Cash & Equivalents
Balance Sheet
+12.9%
$75.7M→$85.5M

Cash grew 12.9% — improving liquidity position supports investment and shareholder returns.

Net Income
P&L
+11.7%
$113.8M→$127.2M

Net income grew 11.7% — bottom-line growth signals improving overall business health.

Stockholders Equity
Balance Sheet
+11.5%
$997.4M→$1.1B

Equity base grew 11.5% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-02-27
PRIOR — 2025-02-28
ADDED
As of February 12, 2026 the Registrant had outstanding 16,730,722 shares of common stock, $1.00 par value per share.
QCBT, on a consolidated basis with m2, had total segment assets of $2.71 billion and $2.59 billion as of December 31, 2025 and 2024, respectively.
CRBT had total segment assets of $2.86 billion and $2.61 billion as of December 31, 2025 and 2024, respectively.
CSB provides full-service commercial and consumer banking to Des Moines, Iowa and adjacent communities through its headquarters located in Ankeny, Iowa and its eight other branch facilities throughout the greater Des Moines area.
CSB had total segment assets of $1.72 billion and $1.53 billion as of December 31, 2025 and 2024, respectively.
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REMOVED
As of February 12, 2025 the Registrant had outstanding 16,901,169 shares of common stock, $1.00 par value per share.
On April 1, 2022, the Company completed its acquisition of GFED and, on April 2, 2022, merged Guaranty Bank into SFCB, the Company s Springfield-based charter.
QCBT, on a consolidated basis with m2, had total segment assets of $2.59 billion and $2.45 billion as of December 31, 2024 and 2023, respectively.
CRBT had total segment assets of $2.61 billion and $2.42 billion as of December 31, 2024 and 2023, respectively.
CSB had total segment assets of $1.53 billion and $1.43 billion as of December 31, 2024 and 2023, respectively.
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