QCRHHIGH SIGNALFINANCIAL10-K

QCRH experienced a dramatic 213% surge in interest expense alongside an 90% collapse in credit loss provisions, indicating significant balance sheet stress from rising funding costs.

The massive increase in interest expense suggests QCRH is facing severe margin compression in a rising rate environment, while the sharp decline in credit provisions may indicate either improved credit quality or potentially aggressive accounting that could mask future losses. The combination of these opposing trends, along with meaningful asset growth across all banking subsidiaries, suggests the company is navigating a challenging interest rate cycle that could materially impact future profitability.

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

QCRH delivered mixed results with revenue growing 21% and net income up 12%, but the headline numbers mask concerning underlying trends. Interest expense exploded 213% to $192M while credit loss provisions plummeted 90% to just $6M, creating a volatile earnings profile dependent on credit performance sustainability. The company increased capital expenditures by 52% and grew stockholders' equity 12%, suggesting continued investment and growth, but the dramatic interest expense increase signals significant pressure on net interest margins that investors should monitor closely.

FINANCIAL STATEMENT CHANGES
Interest Expense
P&L
+213.1%
$61.5M→$192.4M

Interest expense surged 213.1% — significant debt increase or rising rates materially impacting earnings.

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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