QCR Holdings, Inc. (NASDAQ: QCRH) (“the company”) is a $9 billion-asset multi-bank holding company headquartered in Moline, IL, with a 37-branch network across six Midwestern regions, including the Quad Cities, Cedar Rapids, Des Moines, IA, and in the southwest part of MO (Springfield & Joplin). The banks are managed independently, including distinct directorates, although investment, lending, and risk management decisions are centralized.
The banks maintain leading deposit market shares in their respective operating areas and offer an array of products and services, including trust and investment management ($6.2 billion AUM), with specialized activities in the low-income housing tax credit (LIHTC) financing and correspondent banking. The consolidated loan book historically is CRE oriented (61% of total loans as of 3Q24), with multi-family, construction and land development, and investor CRE constituting 19%, 18%, and 16% of CRE loans, respectively.…
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