QCR Holdings, Inc. (QCRH): Business Model Canvas

Tauchen Sie ein in die komplexe Welt von QCR Holdings, Inc. (QCRH), einem dynamischen Finanzunternehmen, das das traditionelle Bankwesen durch sein innovatives Business Model Canvas verändert. Dieses im Mittleren Westen ansässige Bankinstitut verbindet geschickt personalisierten Service, modernste digitale Technologien und strategische regionale Expertise, um umfassende Finanzlösungen für Unternehmen, Privatpersonen und vermögende Kunden bereitzustellen. Durch die Nutzung eines einzigartigen Ansatzes, der lokales, beziehungsorientiertes Banking mit hochentwickelten Finanztechnologien in Einklang bringt, hat sich QCRH als herausragender Akteur in der wettbewerbsintensiven Bankenlandschaft positioniert und bietet eine überzeugende Mischung aus personalisiertem Service und robusten Finanzkompetenzen.

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Bankenverbände

QCR Holdings unterhält Partnerschaften mit folgenden Bankenverbänden:

Verein	Details zur Zusammenarbeit	Gründungsjahr
Iowa Bankers Association	Einhaltung gesetzlicher Vorschriften und Networking	2018
Illinois Bankers Association	Regulatorische Unterstützung und Geschäftsentwicklung	2016

Anbieter von Finanztechnologiedienstleistungen

Zu den wichtigsten Technologiepartnerschaften gehören:

• Jack Henry & Associates – Anbieter von Kernbankensoftware
• FIS Global – Digitale Banking-Lösungen
• Fiserv – Zahlungsabwicklung und Technologiedienstleistungen

Gewerbeimmobilienentwickler

QCR Holdings arbeitet mit regionalen Immobilienentwicklern in mehreren Märkten zusammen:

Entwickler	Gesamtkreditportfolio	Geografischer Fokus
Mittelamerikanische Entwicklungsgruppe	127,3 Millionen US-Dollar	Märkte in Illinois und Iowa
Gewerbeimmobilien in Heartland	89,6 Millionen US-Dollar	Regionale Entwicklungen im Mittleren Westen

Vermögensverwaltungs- und Investmentfirmen

Strategische Investitionspartnerschaften:

• Raymond James Finanzdienstleistungen
• RBC Wealth Management
• Beratergruppe

Versicherungs- und Compliance-Servicepartner

Compliance- und Risikomanagement-Partnerschaften:

Partner	Servicetyp	Jährlicher Vertragswert
AON Risikolösungen	Unternehmensrisikomanagement	1,2 Millionen US-Dollar
CNA Financial Corporation	Gewerbliche Versicherungsdienstleistungen	$875,000

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete QCR Holdings ein Gesamtvermögen von 6,7 Milliarden US-Dollar. Die Bank betreibt 23 Bankstandorte mit umfassendem Serviceangebot in Illinois und Iowa.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Einlagenkonten	4,2 Milliarden US-Dollar
Persönliche Girokonten	87.500 aktive Konten
Sparkonten	1,3 Milliarden US-Dollar

Vermögensverwaltung und Anlageberatung

QCR Holdings bietet über seine Tochtergesellschaft Vermögensverwaltungsdienstleistungen an.

• Insgesamt verwaltetes Vermögen: 1,1 Milliarden US-Dollar
• Anzahl der Wealth-Management-Kunden: 3.200
• Durchschnittlicher Kontowert: 342.000 $

Unternehmenskredit- und Kreditlösungen

Die gewerbliche Kreditvergabe macht einen wesentlichen Teil der Geschäftsaktivitäten von QCR Holdings aus.

Kreditkategorie	Gesamtkreditvolumen (2023)
Gewerbliche Immobilienkredite	2,9 Milliarden US-Dollar
Kommerziell & Industriekredite	1,6 Milliarden US-Dollar
Kredite für kleine Unternehmen	412 Millionen Dollar

Treasury Management für Firmenkunden

QCR Holdings bietet umfassende Treasury-Management-Lösungen.

• Corporate Treasury-Kunden: 750
• Gesamtertrag aus der Treasury-Verwaltung: 24,3 Millionen US-Dollar im Jahr 2023
• Abdeckung der Cash Management Services: 15 Metropolmärkte

Entwicklung einer digitalen Banking-Plattform

Ein Schwerpunkt liegt weiterhin auf Investitionen in die digitale Banking-Infrastruktur.

• Digital-Banking-Nutzer: 62.000
• Mobile-Banking-App-Downloads: 41.500
• Online-Transaktionsvolumen: 2,3 Millionen monatliche Transaktionen

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk im Mittleren Westen

Im vierten Quartal 2023 betreibt QCR Holdings 28 Bankstandorte in Illinois und Iowa. Die Gesamtaktiva des regionalen Bankennetzwerks beliefen sich auf 16,2 Milliarden US-Dollar. Die primäre geografische Konzentration umfasst:

Staat	Anzahl der Standorte	Gesamteinlagen
Illinois	19	10,4 Milliarden US-Dollar
Iowa	9	5,8 Milliarden US-Dollar

Erfahrenes Finanzmanagement-Team

Zusammensetzung des Managementteams:

• Gesamtzahl der Führungskräfte: 7
• Durchschnittliche Bankerfahrung: 22 Jahre
• Führungsdauer bei QCR Holdings: 12,5 Jahre

Fortschrittliche digitale Banking-Infrastruktur

Zu den digitalen Banking-Funktionen gehören:

• Mobile-Banking-Plattformen
• Online-Transaktionssysteme
• Kontoüberwachung in Echtzeit

Kennzahlen zum digitalen Banking:

Metrisch	Daten für 2023
Mobile-Banking-Benutzer	126,500
Online-Transaktionsvolumen	3,2 Millionen monatlich

Diversifiziertes Kredit- und Anlageportfolio

Portfolioaufschlüsselung:

Kreditkategorie	Gesamtwert	Prozentsatz
Gewerbliche Kredite	8,7 Milliarden US-Dollar	54%
Wohnhypotheken	4,3 Milliarden US-Dollar	26%
Verbraucherkredite	3,2 Milliarden US-Dollar	20%

Robuste Risikomanagementsysteme

Risikomanagement-Kennzahlen:

• Quote notleidender Kredite: 0,62 %
• Rücklage für Kreditverluste: 142 Millionen US-Dollar
• Kapitaladäquanzquote: 13,4 %

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen

QCR Holdings bietet gezielte Geschäftsbankdienstleistungen mit einem Gesamtvermögen von 14,9 Milliarden US-Dollar (Stand Q4 2023). Das gewerbliche Kreditportfolio erreichte 8,3 Milliarden US-Dollar und bietet maßgeschneiderte Finanzlösungen für mittelständische Unternehmen.

Geschäftskundensegment	Gesamtwert
Gewerbliches Kreditportfolio	8,3 Milliarden US-Dollar
Geschäftseinlagenkonten	6,2 Milliarden US-Dollar
Durchschnittliche Höhe eines Unternehmenskredits	1,4 Millionen US-Dollar

Wettbewerbsfähige Zinssätze und Finanzprodukte

Die Zinserträge für 2023 beliefen sich auf insgesamt 468,3 Millionen US-Dollar. Die Nettozinsmarge lag bei 3,72 % bei wettbewerbsfähigen Kreditzinsen für verschiedene Finanzprodukte.

• Zinssätze für Geschäftskredite: 6,25 % – 8,75 %
• Zinssätze für Gewerbeimmobilienkredite: 7,15 % – 9,25 %
• Zinssätze für Geschäftskreditlinien: 6,50 % – 8,90 %

Lokale Marktexpertise und beziehungsbasierter Service

Wir sind in 5 Bundesstaaten des Mittleren Westens mit 44 Bankstandorten tätig. Regionaler Marktanteil im Geschäftskundengeschäft: 12,6 %.

Geografische Präsenz	Details
Staaten bedient	Illinois, Iowa, Wisconsin, Missouri, Colorado
Gesamtzahl der Bankstandorte	44
Regionaler Marktanteil	12.6%

Umfassende Vermögensverwaltungsangebote

Das Segment Vermögensverwaltung erwirtschaftete im Jahr 2023 Gebühreneinnahmen in Höhe von 42,6 Millionen US-Dollar. Das verwaltete Vermögen erreichte 1,9 Milliarden US-Dollar.

• Einnahmen aus Vermögensverwaltungsgebühren: 42,6 Millionen US-Dollar
• Insgesamt verwaltetes Vermögen: 1,9 Milliarden US-Dollar
• Durchschnittlicher Wert des Kundenportfolios: 3,2 Millionen US-Dollar

Flexible und innovative Finanztechnologien

Die digitale Bankplattform unterstützt ein digitales Transaktionsvolumen von 4,7 Milliarden US-Dollar. Die Zahl der Mobile-Banking-Nutzer stieg im Jahr 2023 um 18,4 %.

Kennzahlen zum digitalen Banking	Wert
Digitales Transaktionsvolumen	4,7 Milliarden US-Dollar
Wachstum der Mobile-Banking-Nutzer	18.4%
Durchdringung des Online-Bankings	67.3%

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Kundenbeziehungen

Engagierte Beziehungsmanager

QCR Holdings bietet ab 2023 personalisiertes Bankbeziehungsmanagement in seinem Netzwerk von 19 Bankstandorten in Illinois und Iowa.

Kundensegment	Engagierte Beziehungsmanager	Durchschnittliches Kundenportfolio
Kommerzielles Banking	42 Manager	12–15 Geschäftskunden pro Manager
Persönliches Banking	28 Manager	75–100 Einzelkunden pro Manager

Personalisierter Kundenservice-Ansatz

QCR Holdings pflegt ein High-Touch-Kundenservicemodell mit einer durchschnittlichen Kundenbindungsrate von 87,3 % im Jahr 2023.

• Durchschnittliche Interaktionszeit mit dem Kunden: 22 Minuten pro Interaktion
• Kundenzufriedenheitsbewertung: 4,6/5
• Reaktionszeit auf Kundenanfragen: Innerhalb von 4 Stunden

Digitale und persönliche Bankunterstützung

Digitale Bankkanäle machen im Jahr 2023 63 % der gesamten Kundeninteraktionen aus.

Bankenkanal	Nutzungsprozentsatz	Durchschnittliche monatliche Transaktionen
Mobiles Banking	42%	3.750 Transaktionen
Online-Banking	21%	2.100 Transaktionen
Persönliche Niederlassung	37%	1.850 Transaktionen

Maßgeschneiderte Finanzberatung

QCR Holdings bietet spezialisierte Finanzberatungsdienstleistungen in mehreren Segmenten an.

• Unternehmensberatungssitzungen: 425 pro Quartal
• Vermögensverwaltungsberatung: 210 pro Monat
• Durchschnittliche Beratungsdauer: 1,5 Stunden

Langfristige Kundenbindungsstrategien

QCR Holdings implementiert umfassende Kundenbindungsprogramme mit messbaren Ergebnissen.

Aufbewahrungsstrategie	Umsetzungsrate	Auswirkungen auf die Kundenbindung
Treueprogramme	86 % Abdeckung	7,2 % erhöhte Bindung
Jährliche Kundenbewertungen	92 % Beteiligung	6,5 % reduzierte Abwanderungsrate

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Im vierten Quartal 2023 betreibt QCR Holdings 35 physische Bankfilialen in Illinois und Iowa. Die Filialstandorte konzentrieren sich auf:

• Metropolregion Quad Cities
• Cedar Rapids
• Davenport
• Felseninsel

Staat	Anzahl der Filialen
Illinois	22
Iowa	13

Online-Banking-Plattform

QCR Holdings bietet über seine Online-Plattform digitale Bankdienstleistungen an ca. 45.000 aktive Digital-Banking-Nutzer Stand: Dezember 2023.

Mobile-Banking-Anwendung

Zu den Funktionen der Mobile-Banking-App gehören:

• Kontostandverfolgung
• Mobile Scheckeinzahlung
• Geldtransfers
• Rechnungszahlungsdienste

App-Downloads: 28.500 aktive Nutzer im Jahr 2023

Telefon- und E-Mail-Kundensupport

Support-Kanal	Durchschnittliche Reaktionszeit	Tägliches Volumen
Telefonsupport	12 Minuten	350 Anrufe
E-Mail-Support	4 Stunden	125 E-Mails

Digitales Transaktions- und Kontomanagement

Digitale Transaktionsstatistik für 2023:

• Digitale Transaktionen insgesamt: 1.245.000
• Durchschnittliche monatliche digitale Transaktionen: 103.750
• Prozentsatz mobiler Transaktionen: 62 %
• Online-Transaktionsanteil: 38 %

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

QCR Holdings betreut ab dem vierten Quartal 2023 2.348 kleine und mittlere Geschäftskunden in seinen regionalen Bankennetzwerken.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Herstellung	412	1,2 Millionen US-Dollar
Professionelle Dienstleistungen	587	$685,000
Einzelhandel/Großhandel	689	$456,000

Firmen- und Gewerbekunden

Das Firmenkundenportfolio umfasst 276 gewerbliche Unternehmen mit einer gesamten gewerblichen Kreditvergabe von 487,3 Millionen US-Dollar im Jahr 2023.

• Durchschnittliche gewerbliche Kredithöhe: 1,76 Millionen US-Dollar
• Gesamtvermögen der gewerblichen Einlagen: 312,5 Millionen US-Dollar
• Branchenkonzentration: Gesundheitswesen, Technologie, Landwirtschaft

Privatkunden im Privatkundengeschäft

QCR Holdings betreut 84.562 private Privatkunden in seinen regionalen Märkten.

Kundentyp	Kontovolumen	Durchschnittlicher Kontostand
Persönliche Überprüfung	42,187	$22,340
Persönliche Ersparnisse	36,275	$47,620

Vermögende Privatpersonen

Das Segment Vermögensverwaltung betreut 1.247 vermögende Kunden mit einem verwalteten Gesamtvermögen von 623,7 Millionen US-Dollar im Jahr 2023.

• Mindestkontowert: 500.000 $
• Durchschnittlicher Wert des Kundenportfolios: 499.760 $
• Umsatz aus Wertpapierdienstleistungen: 8,4 Millionen US-Dollar

Lokale und regionale Unternehmensmärkte

QCR Holdings ist in vier Bundesstaaten mit Schwerpunkt auf regionalen Unternehmensmärkten tätig und betreut 612 Unternehmenskunden.

Staat	Unternehmenskunden	Gesamtmarktkredite
Illinois	276	214,6 Millionen US-Dollar
Iowa	189	147,3 Millionen US-Dollar
Wisconsin	87	82,4 Millionen US-Dollar
Missouri	60	43,2 Millionen US-Dollar

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Im Jahresbericht 2022 beliefen sich die gesamten Mitarbeitervergütungsaufwendungen von QCR Holdings auf 77,6 Millionen US-Dollar. Aufschlüsselung der Vergütungsstruktur:

Vergütungskategorie	Betrag ($)
Gehälter	62,480,000
Leistungsprämien	8,760,000
Aktienbasierte Vergütung	3,920,000
Leistungen an Arbeitnehmer	2,440,000

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2022 auf insgesamt 12,3 Millionen US-Dollar:

• IT-Hardware: 3,7 Millionen US-Dollar
• Softwarelizenzierung: 4,2 Millionen US-Dollar
• Cybersicherheitssysteme: 2,6 Millionen US-Dollar
• Wartung der digitalen Plattform: 1,8 Millionen US-Dollar

Filialbetrieb und Immobilienkosten

Die Betriebskosten für Immobilien und Filialen beliefen sich im Jahr 2022 auf 22,4 Millionen US-Dollar:

Ausgabenkategorie	Betrag ($)
Leasingkosten	9,600,000
Dienstprogramme	4,800,000
Wartung	5,200,000
Grundsteuern	2,800,000

Einhaltung gesetzlicher Vorschriften und Risikomanagement

Die Ausgaben für Compliance und Risikomanagement beliefen sich im Jahr 2022 auf 6,9 Millionen US-Dollar:

• Rechtsberatung: 2,3 Millionen US-Dollar
• Audit- und Compliance-Dienste: 2,6 Millionen US-Dollar
• Tools zur Risikobewertung: 1,5 Millionen US-Dollar
• Regulatorische Meldesysteme: 0,5 Millionen US-Dollar

Kosten für Marketing und Kundenakquise

Die Marketingausgaben erreichten im Jahr 2022 5,2 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	2,080,000
Traditionelle Werbung	1,560,000
Kundenakquise	1,040,000
Werbeveranstaltungen	520,000

QCR Holdings, Inc. (QCRH) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 berichtete QCR Holdings 218,9 Millionen US-Dollar an den gesamten Zinserträgen. Diese Einnahmequelle gliedert sich wie folgt:

Umsatzkategorie	Betrag (Mio. USD)
Darlehenszinsen	189.4
Zinsen für Anlagewertpapiere	29.5

Gebühren für Bankdienstleistungen

Es entstehen Gebühren für Bankdienstleistungen 47,3 Millionen US-Dollar Umsatz für QCR Holdings im Jahr 2023 mit folgender Verteilung:

• Gebühren für die Kontoführung: 22,1 Millionen US-Dollar
• Gebühren für Geldautomaten und elektronisches Banking: 15,6 Millionen US-Dollar
• Überziehungsgebühren: 9,6 Millionen US-Dollar

Beratungsgebühren für die Vermögensverwaltung

Die Vermögensverwaltungsberatung leistete einen Beitrag 16,7 Millionen US-Dollar zum Umsatz des Unternehmens im Jahr 2023.

Einnahmen aus der Transaktionsverarbeitung

Die Erlöse aus der Transaktionsabwicklung beliefen sich auf 12,5 Millionen US-Dollar im Jahr 2023, darunter:

Transaktionstyp	Umsatz (Mio. USD)
Kreditkartenabwicklung	7.2
Gebühren für Überweisungen	3.8
Sonstige Transaktionsgebühren	1.5

Anlage- und Maklerprovisionen

Erwirtschaftete Anlage- und Maklerprovisionen 8,9 Millionen US-Dollar Umsatz für QCR Holdings im Jahr 2023.

QCR Holdings, Inc. (QCRH) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose QCR Holdings, Inc. (QCRH) over the competition. It's not just about deposits and loans; it's about how they package their services to deliver value across different client needs.

The primary value proposition centers on delivering a relationship-driven, local banking experience while leveraging the financial stability and operational scale of a larger organization. They operate through four wholly-owned subsidiary banks, maintaining local decision-making with veteran bankers across their markets in Iowa, Missouri, and Illinois. This structure allows them to serve clients and communities at a local level while benefiting from centralized efficiencies.

• - Relationship-driven, local banking with centralized scale and strength
• - Full-service commercial banking, including specialized LIHTC financing
• - Comprehensive wealth management and trust services
• - Strong capital position with Tangible Common Equity at 9.97% (Sep 2025)

For commercial clients, QCR Holdings, Inc. offers full-service commercial and consumer banking. A key differentiator is their Specialty Finance Group (SFG), which provides specialized financing, notably in Low-Income Housing Tax Credit (LIHTC) lending. This segment has historically provided consistent revenue across economic cycles. To be fair, maintaining that specialized focus while growing the core business takes real discipline.

The wealth management and trust services component is a significant non-interest income stream, showing strong growth momentum. This diversification helps QCR Holdings, Inc. outperform peers who rely more heavily on traditional interest income. Here's a quick look at the scale of these key service areas as of mid-to-late 2025:

Metric	Value/Amount	As Of Date
Total Assets	$9.6 billion	Sep 30, 2025
Total Loans	$7.2 billion	Sep 30, 2025
Total Deposits	$7.4 billion	Sep 30, 2025
Assets Under Management (AUM)	$6.7 billion	Jun 30, 2025
LIHTC Loan Portfolio Balance	$2.2 billion	Mar 31, 2025
Non-Interest Income Contribution (Q2 2025)	26% of revenue	Q2 2025

The capital strength underpins all these offerings. The commitment to maintaining a robust balance sheet is evident in their regulatory ratios. The company reported record quarterly net income of $\mathbf{\$36.7 \text{ million}}$ for the third quarter of 2025, which directly supported their capital position.

• The Tangible Common Equity to Tangible Assets ratio stood at 9.97% as of September 30, 2025.
• The Total Risk-Based Capital Ratio was 14.03% as of September 30, 2025.
• The Common Equity Tier 1 Ratio was 10.34% as of September 30, 2025.
• They operate across 36 locations in Iowa, Missouri, and Illinois.

Finance: draft the capital deployment impact analysis based on the Q3 2025 TCE/TA ratio by next Tuesday.

QCR Holdings, Inc. (QCRH) - Canvas Business Model: Customer Relationships

QCR Holdings, Inc. anchors its entire operation on a relationship-driven, multi-bank holding company structure, which is designed to serve clients at a local level while benefiting from centralized strength. This focus is evident in how they structure client interactions across their subsidiary banks.

Dedicated relationship managers for commercial and wealth clients

The core of the commercial service offering relies on specialized personnel. For instance, the Commercial Relationship Banker role explicitly focuses on establishing and maintaining commercial relationships, client retention, and acting as a financial consultant on commercial activities. This role requires working closely with the commercial lending department to maximize cross-selling opportunities across the full range of banking products. This high-touch approach is also critical in the wealth segment, where the strategy is clearly geared toward deepening client ties. As of the second quarter of 2025, the company reported $6.7 billion in Assets Under Management (AUM), a segment that saw 14% annualized revenue growth in the first quarter of 2025, reflecting success in advisory relationships. The commitment to local market dominance supports this, with QCR Holdings, Inc. holding #1 market share in both the Quad Cities and Cedar Rapids, Iowa markets as of the second quarter of 2025. This local strength is the platform for personalized service.

The success of this relationship focus is reflected in the firm's overall financial performance, with QCR Holdings, Inc. announcing record quarterly net income of $36.7 million for the third quarter of 2025.

High-touch, advisory-based service model at the subsidiary bank level

The service model is intentionally decentralized, operating through independent, community-focused bank charters that attract top-tier talent. This structure allows for local decision-making, which is the essence of high-touch service. The company's vision emphasizes Exceptional people providing extraordinary performance for our clients, which translates into a service culture where employees are deeply engaged and care about their clients and communities. This local autonomy allows the banks to tailor their advisory services, whether it is in commercial lending or trust and wealth management. The firm operates 36 locations across Iowa, Illinois, and Missouri, ensuring proximity to its customer base. As of September 30, 2025, the total client base was supported by 1,039 employees across the organization.

Here are some key metrics illustrating the scale and focus of the customer base as of late 2025:

Metric	Value as of September 30, 2025	Value as of Q1 2025 (March 31, 2025)
Total Assets	$9.6 billion	$9.2 billion
Total Loans	$7.2 billion	$6.8 billion
Total Deposits	$7.4 billion	$7.3 billion
Core Deposit Growth (Annualized)	Not specified for Q3	20% (as of Q1 2025)

Digital self-service options for transactional efficiency

While the emphasis is on personal relationships, QCR Holdings, Inc. is actively modernizing its digital capabilities to support transactional efficiency. In November 2025, the company made a strategic decision to select Jack Henry to modernize the technology infrastructure across all four subsidiary banks. This move is specifically aimed at elevating both client and employee experiences and enabling a data-driven growth strategy. The goal is to use a modern, open platform that allows the banks the flexibility to integrate best-of-breed solutions for their specific market and customer needs, which inherently includes enhancing digital self-service tools for routine transactions. This technology standardization is a concrete action to improve efficiency while preserving the local, personal service that defines their culture. You can expect this transition to roll out solutions that streamline internal operations, which will ultimately free up relationship managers for more complex advisory work.

Finance: draft 13-week cash view by Friday.

QCR Holdings, Inc. (QCRH) - Canvas Business Model: Channels

You're looking at how QCR Holdings, Inc. gets its services-commercial banking, consumer banking, trust, and wealth management-out to its customers across the Midwest. Their channel strategy leans heavily on a decentralized, local bank structure supported by centralized digital tools.

The primary delivery mechanism is through its four wholly-owned banking subsidiaries, which operate with local autonomy but benefit from the holding company's scale. This structure is key to their relationship-driven model.

• - Wholly-owned subsidiary banks: Quad City Bank & Trust (QCBT), Cedar Rapids Bank and Trust (CRBT), Community State Bank (CSB), and Guaranty Bank (GB).
• - QCBT also houses m2 Equipment Finance, LLC, which handles direct financing lease contracts.
• - The company serves communities across Iowa, Missouri, and Illinois.

The physical footprint is substantial, providing that crucial local touchpoint. As of September 30, 2025, QCR Holdings, Inc. operated a network of 36 locations across these three states.

Subsidiary Bank Charter	Primary HQ/Focus Area	Confirmed Locations (as of late 2025 context)	Market Share Leadership (as of 6/30/2025)
Quad City Bank & Trust (QCBT)	Bettendorf, IA / Quad Cities (IA-IL)	5 offices (plus a new 6th breaking ground)	#1 in Quad Cities with 22.20% deposit market share
Cedar Rapids Bank & Trust (CRBT)	Cedar Rapids, IA / Cedar Rapids & Waterloo/Cedar Falls	6 offices (including Community Bank & Trust division)	#1 in Cedar Rapids with 20.65% deposit market share
Community State Bank (CSB)	Ankeny, IA / Des Moines/Ankeny	9 offices	#5 in Des Moines with 3.61% deposit market share
Guaranty Bank (GB)	Springfield, MO	Data not specified, but serves Springfield community	Achieved #2 position in Springfield, MO market

The physical network is being actively expanded; for instance, QCBT broke ground in May 2025 on a new Bettendorf headquarters that will also house a new consumer banking branch, signaling a move toward 37 locations.

Digital channels are essential for efficiency and broader reach, especially as the company modernizes its core technology. QCR Holdings, Inc. uses mobile and online banking platforms for consumer and business transactions. This digital push is underscored by the recent decision to upgrade its four subsidiary banks with Jack Henry's hosted core processing platform to enhance operational efficiency and digital banking experiences for both employees and customers.

For specialized services, QCR Holdings, Inc. relies on dedicated internal teams acting as direct sales channels. These teams focus on high-value, fee-based services:

• - Direct sales teams target Commercial Banking relationships.
• - Dedicated wealth management professionals drive growth in trust and asset management services.
• - Wealth management assets under management reached $6.7 billion as of June 30, 2025.
• - Non-interest income, which includes wealth management and capital markets revenue, totaled $22 million in Q2 2025, representing 26% of total revenue.

This mix of local branches and centralized digital/sales teams helps manage the company's $9.6 billion in assets as of September 30, 2025.

QCR Holdings, Inc. (QCRH) - Canvas Business Model: Customer Segments

You're analyzing the core customer base for QCR Holdings, Inc. as of late 2025. The bank holding company focuses on a relationship-driven approach across its four subsidiary banks in the Midwest.

Commercial businesses (small to middle-market) in the Midwest form the backbone of the lending activity. Commercial lending is a dominant focus, representing 92% of the total loan book as of the Q2 2025 update. Total loans and leases held for investment reached $7.2 billion by the end of the third quarter of 2025. The company's strategy is clearly weighted toward these business clients.

Here's the quick math on how the commercial loan portfolio is segmented as of mid-2025:

Loan Category	Percentage of Total Loans
Commercial and Industrial Loans	25%
Construction and Land Development	22%
Multi-family Properties	18%
Commercial Real Estate (non-owner occupied)	15%

Affluent individuals and families requiring wealth and trust management represent a key fee-income segment. Wealth Management revenue for the third quarter of 2025 totaled $5.0 million, showing an 8% sequential increase from the second quarter of 2025. This segment has shown strong growth, with annualized revenue increases of 15% reported for the third quarter. As of a recent presentation, Wealth Management Assets Under Management (AUM) stood at $6.3 billion.

Retail consumers in local Iowa, Illinois, and Missouri communities are served through the company's multi-bank structure. The company operates 36 locations across these three states, serving markets like the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield. Core deposits, a key indicator of retail and small business banking relationships, increased by $410.2 million year-to-date as of Q3 2025, reflecting an 8% annualized growth rate. Total deposits were reported at $7.4 billion as of September 30, 2025.

The retail and local consumer base is supported by the following geographic structure:

• Serving communities in Iowa, Missouri, and Illinois.
• Operating through four distinct bank charters.
• Total assets reached $9.6 billion as of September 30, 2025.
• The company is headquartered in Moline, Illinois.

Affordable housing developers (LIHTC investors/borrowers) are a specialized, yet significant, customer group, particularly within the loan portfolio. Total Low-Income Housing Tax Credit (LIHTC) balances within the loan/lease portfolio were reported at $2.2 billion at March 31, 2025. The company views securitizations as a mechanism to provide capacity to sustain future LIHTC asset generation, indicating this segment is integral to their capital markets strategy.

Finance: draft 13-week cash view by Friday.

QCR Holdings, Inc. (QCRH) - Canvas Business Model: Cost Structure

You're looking at the hard costs QCR Holdings, Inc. has to cover to keep the lights on and the business running, which is the core of the Cost Structure block. For a bank like QCRH, these are largely driven by funding costs, people, and technology investment.

The cost of funds is a major component. While the specific figure for subordinated notes isn't explicitly stated in the latest reports, we know the cost of deposits is significant. For instance, the Interest Expense on Deposits was reported at $51.0 million for the second quarter of 2025, showing you the scale of their funding costs. This is the money QCR Holdings, Inc. pays out to keep customer money in the bank.

Personnel costs are next. As of late 2025 reporting, QCR Holdings, Inc. operated with 1,039 employees across its four community banks and centralized operations. Compensation, especially variable pay tied to performance, directly impacts expenses. For example, noninterest expense in the third quarter of 2025 rose by $7.0 million linked-quarterly, driven in part by variable compensation linked to robust capital markets revenue and loan growth.

Management sets expectations for overhead, which they call noninterest expenses. For the fourth quarter of 2025, QCR Holdings, Inc. guided noninterest expenses to be in the range of $52-$55 million. To be fair, the actual expense for the preceding quarter, Q3 2025, was $56.6 million, which was higher than the guidance provided for Q2 2025.

The bank is actively investing in its future operations, which shows up as a cost now. This includes Technology and data processing costs for digital transformation. These technology investments, such as the successful first core system conversion completed in the fourth quarter, are factored into the expense guidance and are expected to drive future operating leverage, though significant costs are anticipated to persist into 2026.

Finally, the cost of potential loan defaults is managed through the Provision for Credit Losses (PCL). For the third quarter of 2025, QCR Holdings, Inc. recorded a total provision for credit losses of $4.3 million. This was slightly up from the prior quarter's $4.0 million, reflecting loan growth even as asset quality improved overall.

Here's a quick look at some of the key cost drivers from the recent reporting periods:

Cost Category	Latest Reported/Guided Amount	Period/Context
Interest Expense on Deposits	$51.0 million	June 2025
Personnel Count	1,039 employees	As of late 2025
Noninterest Expense Guidance	$52-$55 million	Q4 2025 Guidance
Noninterest Expense Actual	$56.6 million	Q3 2025
Provision for Credit Losses	$4.3 million	Q3 2025

You can see how variable compensation and technology spending are currently pushing the noninterest expense higher, even as the company guides for a slight moderation in Q4.

• Variable compensation tied to capital markets revenue surge.
• Professional and data processing expenses related to digital transformation.
• Costs associated with the first core operating system conversion.
• Ongoing expenses anticipated to continue into 2026 from tech upgrades.
• Net charge-offs were $4.2 million in Q3 2025, a decrease from the prior quarter.

Finance: draft 13-week cash view by Friday.

QCR Holdings, Inc. (QCRH) - Canvas Business Model: Revenue Streams

You're looking at how QCR Holdings, Inc. (QCRH) brings in the money, which for a bank like this, really boils down to interest earned versus fees and other activities. Honestly, the third quarter of 2025 showed a great mix of core banking strength and a big boost from specialty areas.

The primary engine remains the lending book. Loan and lease interest income is generated from the portfolio that stood at $7.2 billion as of September 30, 2025. This asset base is what fuels the most significant revenue component.

Net Interest Income (NII) is the profit from the spread between what QCR Holdings, Inc. earns on its loans and investments and what it pays out on deposits. For Q3 2025, the NII hit $64.8 million. This was driven by strong earning asset growth and expanded loan and investment yields.

The fee-based side, or Noninterest Income, was also very strong for the quarter, totaling $36.7 million for Q3 2025. This income stream is diversified across several key areas, showing the success of their multi-bank holding company structure.

Here's a breakdown of the key components making up that Noninterest Income for Q3 2025:

• - Capital Markets Revenue: A strong rebound to $23.8 million in Q3 2025.
• - Wealth Management Revenue: Contributed $5.0 million in Q3 2025.

The performance of these revenue streams in the third quarter of 2025 can be summarized like this:

Revenue Component	Q3 2025 Amount (in millions)	Context/Driver
Net Interest Income (NII)	$64.8 million	Driven by strong earning asset growth and margin expansion.
Noninterest Income (Total)	$36.7 million	Up 66% from the prior quarter.
Capital Markets Revenue	$23.8 million	Rebounded strongly, linked to LIHTC lending activity.
Wealth Management Revenue	$5.0 million	Represented an 8% sequential increase.
Total Loans and Leases Held for Investment	$7.2 billion	Grew by $253.7 million in the quarter.

The growth in the loan portfolio is a key driver for future NII, and management signaled confidence by increasing guidance for annualized loan growth to the 10% to 15% range for the next quarter. Also, the capital markets guidance was raised to a range between $55 million and $65 million over the next four quarters.

You can see the relationship between the core lending and the fee-based income streams:

• - NII made up about 63.9% of total revenue over the last five years, confirming lending is the largest revenue source.
• - Capital Markets revenue saw a massive linked-quarter increase of 141%.
• - Wealth Management revenue grew 15% annualized year-over-year.

Finance: draft 13-week cash view by Friday.