QCR Holdings, Inc. (QCRH): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el intrincado mundo de QCR Holdings, Inc. (QCRH), una potencia financiera dinámica que transforma la banca tradicional a través de su innovador lienzo de modelo de negocio. Esta institución bancaria con sede en el Medio Oeste combina ingeniosamente el servicio personalizado, las tecnologías digitales de vanguardia y la experiencia regional estratégica para ofrecer soluciones financieras integrales que atienden a empresas, individuos y clientes de alto nivel de red. Al aprovechar un enfoque único que equilibra la banca local impulsada por la relación con tecnologías financieras sofisticadas, QCRH se ha posicionado como un jugador formidable en el panorama bancario competitivo, ofreciendo una combinación convincente de servicio personalizado y capacidades financieras robustas.

QCR Holdings, Inc. (QCRH) - Modelo de negocio: asociaciones clave

Asociaciones bancarias locales y regionales

QCR Holdings mantiene asociaciones con las siguientes asociaciones bancarias:

Asociación	Detalles de colaboración	Año establecido
Asociación de banqueros de Iowa	Cumplimiento regulatorio y redes	2018
Asociación de Banqueros de Illinois	Apoyo regulatorio y desarrollo empresarial	2016

Proveedores de servicios de tecnología financiera

Las asociaciones de tecnología clave incluyen:

• Jack Henry & Asociados: proveedor de software de banca central
• FIS Global - Soluciones de banca digital
• FISERV - Procesamiento de pagos y servicios de tecnología

Desarrolladores de bienes raíces comerciales

QCR Holdings colabora con desarrolladores inmobiliarios regionales en múltiples mercados:

Revelador	Cartera de préstamos totales	Enfoque geográfico
Grupo de Desarrollo Mid-Americano	$ 127.3 millones	Mercados de Illinois e Iowa
Propiedades comerciales de Heartland	$ 89.6 millones	Desarrollos regionales del Medio Oeste

Empresas de gestión de patrimonio e inversión

Asociaciones de inversión estratégica:

• Servicios financieros de Raymond James
• Gestión de patrimonio de RBC
• Grupo asesor

Socios de servicio de seguros y cumplimiento

Asociaciones de cumplimiento y gestión de riesgos:

Pareja	Tipo de servicio	Valor anual del contrato
Soluciones de riesgo de AON	Gestión de riesgos empresariales	$ 1.2 millones
CNA Financial Corporation	Servicios de seguro comercial	$875,000

QCR Holdings, Inc. (QCRH) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, QCR Holdings reportó $ 6.7 mil millones en activos totales. El banco opera 23 ubicaciones de banca de servicio completo en Illinois e Iowa.

Categoría de servicio bancario	Volumen total (2023)
Cuentas de depósito	$ 4.2 mil millones
Cuentas corrientes personales	87,500 cuentas activas
Cuentas de ahorro	$ 1.3 mil millones

Aviso de gestión de patrimonio e inversiones

QCR Holdings proporciona servicios de gestión de patrimonio a través de su subsidiaria.

• Activos totales bajo administración: $ 1.1 mil millones
• Número de clientes de gestión de patrimonio: 3.200
• Valor de cuenta promedio: $ 342,000

Préstamos comerciales y soluciones de crédito

Los préstamos comerciales representan una porción significativa de las actividades comerciales de QCR Holdings.

Categoría de préstamo	Volumen total del préstamo (2023)
Préstamos inmobiliarios comerciales	$ 2.9 mil millones
Comercial & Préstamos industriales	$ 1.6 mil millones
Préstamos para pequeñas empresas	$ 412 millones

Gestión del Tesoro para clientes corporativos

QCR Holdings ofrece soluciones integrales de gestión del tesoro.

• Clientes del Tesoro Corporativo: 750
• Ingresos totales de gestión del Tesoro: $ 24.3 millones en 2023
• Cobertura de servicios de gestión de efectivo: 15 mercados metropolitanos

Desarrollo de la plataforma de banca digital

La inversión en infraestructura bancaria digital sigue siendo un enfoque clave.

• Usuarios de banca digital: 62,000
• Descargas de aplicaciones de banca móvil: 41,500
• Volumen de transacciones en línea: 2.3 millones de transacciones mensuales

QCR Holdings, Inc. (QCRH) - Modelo de negocio: recursos clave

Strong Regional Banking Network en el Medio Oeste

A partir del cuarto trimestre de 2023, QCR Holdings opera 28 lugares bancarios en Illinois e Iowa. Los activos totales de la red bancaria regional fueron de $ 16.2 mil millones. La concentración geográfica primaria incluye:

Estado	Número de ubicaciones	Depósitos totales
Illinois	19	$ 10.4 mil millones
Iowa	9	$ 5.8 mil millones

Equipo experimentado de gestión financiera

Composición del equipo de gestión:

• Total de ejecutivos: 7
• Experiencia bancaria promedio: 22 años
• Liderazgo en la tenencia de QCR: 12.5 años

Infraestructura de banca digital avanzada

Las capacidades de banca digital incluyen:

• Plataformas de banca móvil
• Sistemas de transacción en línea
• Monitoreo de cuentas en tiempo real

Métricas bancarias digitales:

Métrico	2023 datos
Usuarios de banca móvil	126,500
Volumen de transacciones en línea	3.2 millones mensuales

Cartera de préstamos e inversiones diversificadas

Desglose de cartera:

Categoría de préstamo	Valor total	Porcentaje
Préstamos comerciales	$ 8.7 mil millones	54%
Hipotecas residenciales	$ 4.3 mil millones	26%
Préstamos al consumo	$ 3.2 mil millones	20%

Sistemas de gestión de riesgos robustos

Métricas de gestión de riesgos:

• Ratio de préstamo sin rendimiento: 0.62%
• Reserva de pérdida de préstamos: $ 142 millones
• Relación de adecuación de capital: 13.4%

QCR Holdings, Inc. (QCRH) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas

QCR Holdings ofrece servicios de banca comercial específicos con $ 14.9 mil millones en activos totales al cuarto trimestre de 2023. La cartera de préstamos comerciales alcanzó $ 8.3 mil millones, ofreciendo soluciones financieras personalizadas para negocios de mercado medio.

Segmento de banca comercial	Valor total
Cartera de préstamos comerciales	$ 8.3 mil millones
Cuentas de depósito de negocios	$ 6.2 mil millones
Tamaño promedio del préstamo comercial	$ 1.4 millones

Tasas de interés competitivas y productos financieros

Los ingresos por intereses para 2023 totalizaron $ 468.3 millones. El margen de interés neto se situó en 3.72% con tasas de préstamos competitivos en varios productos financieros.

• Tasas de interés del préstamo comercial: 6.25% - 8.75%
• Tasas de préstamo inmobiliario comercial: 7.15% - 9.25%
• Línea comercial de tasas de crédito: 6.50% - 8.90%

Experiencia en el mercado local y servicio basado en relaciones

Operando en 5 estados del medio oeste con 44 ubicaciones bancarias. Cuota de mercado regional en la banca comercial: 12.6%.

Presencia geográfica	Detalles
Estados atendidos	Illinois, Iowa, Wisconsin, Missouri, Colorado
Ubicaciones bancarias totales	44
Cuota de mercado regional	12.6%

Ofertas integrales de gestión de patrimonio

El segmento de gestión de patrimonio generó $ 42.6 millones en ingresos por tarifas durante 2023. Los activos bajo administración alcanzaron los $ 1.9 mil millones.

• Ingresos de tarifas de gestión de patrimonio: $ 42.6 millones
• Activos totales bajo administración: $ 1.9 mil millones
• Valor promedio de la cartera del cliente: $ 3.2 millones

Tecnologías financieras flexibles e innovadoras

La plataforma de banca digital admite $ 4.7 mil millones en volúmenes de transacciones digitales. Los usuarios de banca móvil aumentaron en un 18,4% en 2023.

Métricas bancarias digitales	Valor
Volumen de transacción digital	$ 4.7 mil millones
Crecimiento de los usuarios bancarios móviles	18.4%
Penetración bancaria en línea	67.3%

QCR Holdings, Inc. (QCRH) - Modelo de negocio: relaciones con los clientes

Gerentes de relaciones dedicadas

QCR Holdings proporciona una gestión de relaciones bancarias personalizadas en su red de 19 ubicaciones bancarias en Illinois e Iowa a partir de 2023.

Segmento de clientes	Gerentes de relaciones dedicadas	Cartera promedio de clientes
Banca comercial	42 gerentes	12-15 clientes comerciales por gerente
Banca personal	28 gerentes	75-100 clientes individuales por gerente

Enfoque de servicio al cliente personalizado

QCR Holdings mantiene un modelo de servicio al cliente de alto toque con una tasa promedio de retención de clientes del 87.3% en 2023.

• Tiempo promedio de interacción con el cliente: 22 minutos por compromiso
• Calificación de satisfacción del cliente: 4.6/5
• Tiempo de respuesta a las consultas del cliente: dentro de las 4 horas

Soporte bancario digital y en persona

Los canales de banca digital representan el 63% de las interacciones totales del cliente en 2023.

Canal bancario	Porcentaje de uso	Transacciones mensuales promedio
Banca móvil	42%	3.750 transacciones
Banca en línea	21%	2.100 transacciones
Rama en persona	37%	1.850 transacciones

Consultoría financiera a medida

QCR Holdings ofrece servicios especializados de consultoría financiera en múltiples segmentos.

• Sesiones de consultoría de negocios: 425 por trimestre
• Consultas de gestión de patrimonio: 210 por mes
• Duración de consulta promedio: 1.5 horas

Estrategias de retención de clientes a largo plazo

QCR Holdings implementa programas integrales de retención de clientes con resultados medibles.

Estrategia de retención	Tasa de implementación	Impacto de retención de clientes
Programas de fidelización	86% de cobertura	7.2% aumentó la retención
Revisiones anuales de clientes	92% de participación	6.5% Tasa de rotación reducida

QCR Holdings, Inc. (QCRH) - Modelo de negocio: canales

Red de sucursales bancarias físicas

A partir del cuarto trimestre de 2023, QCR Holdings opera 35 sucursales bancarios físicos en Illinois e Iowa. Las ubicaciones de las ramas se concentran en:

• Área metropolitana de Quad Cities
• Rápidos de cedro
• Escritorio pequeño
• Isla de roca

Estado	Número de ramas
Illinois	22
Iowa	13

Plataforma bancaria en línea

QCR Holdings proporciona servicios de banca digital a través de su plataforma en línea, sirviendo Aproximadamente 45,000 usuarios de banca digital activos a diciembre de 2023.

Aplicación de banca móvil

Las características de la aplicación de banca móvil incluyen:

• Seguimiento del saldo de la cuenta
• Depósito de cheque móvil
• Transferencias de fondos
• Servicios de pago de facturas

Descargas de aplicaciones: 28,500 usuarios activos en 2023

Atención al cliente de teléfono y correo electrónico

Canal de soporte	Tiempo de respuesta promedio	Volumen diario
Soporte telefónico	12 minutos	350 llamadas
Soporte por correo electrónico	4 horas	125 correos electrónicos

Transacción digital y gestión de cuentas

Estadísticas de transacción digital para 2023:

• Transacciones digitales totales: 1,245,000
• Transacciones digitales mensuales promedio: 103,750
• Porcentaje de transacción móvil: 62%
• Porcentaje de transacción en línea: 38%

QCR Holdings, Inc. (QCRH) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

QCR Holdings atiende a 2.348 clientes comerciales pequeños a medianos en sus redes bancarias regionales a partir del cuarto trimestre de 2023.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Fabricación	412	$ 1.2 millones
Servicios profesionales	587	$685,000
Minorista/al por mayor	689	$456,000

Clientes corporativos y comerciales

La cartera de clientes corporativos incluye 276 entidades comerciales con préstamos comerciales totales de $ 487.3 millones en 2023.

• Tamaño promedio del préstamo comercial: $ 1.76 millones
• Activos totales de depósito comercial: $ 312.5 millones
• Concentración de la industria: atención médica, tecnología, agricultura

Clientes de banca minorista individual

QCR Holdings atiende a 84,562 clientes de banca minorista individual en sus mercados regionales.

Tipo de cliente	Volumen de cuenta	Saldo de cuenta promedio
Comprobación personal	42,187	$22,340
Ahorros personales	36,275	$47,620

Individuos de alto nivel de red

El segmento de gestión de patrimonio atiende a 1,247 clientes de alto valor de la red con activos totales bajo una administración de $ 623.7 millones en 2023.

• Valor mínimo de cuenta: $ 500,000
• Valor promedio de la cartera del cliente: $ 499,760
• Ingresos de servicios de inversión: $ 8.4 millones

Mercados empresariales locales y regionales

QCR Holdings opera en 4 estados con un enfoque en los mercados empresariales regionales, atendiendo a 612 clientes de nivel empresarial.

Estado	Clientes empresariales	Préstamos totales del mercado
Illinois	276	$ 214.6 millones
Iowa	189	$ 147.3 millones
Wisconsin	87	$ 82.4 millones
Misuri	60	$ 43.2 millones

QCR Holdings, Inc. (QCRH) - Modelo de negocio: Estructura de costos

Compensación y beneficios de los empleados

A partir del informe anual de 2022, los gastos de compensación de empleados totales de QCR Holdings fueron de $ 77.6 millones. Desglose de la estructura de compensación:

Categoría de compensación	Monto ($)
Salarios	62,480,000
Bonos de rendimiento	8,760,000
Compensación basada en acciones	3,920,000
Beneficios para empleados	2,440,000

Tecnología y mantenimiento de infraestructura digital

Los costos de infraestructura tecnológica para 2022 totalizaron $ 12.3 millones:

• Hardware de TI: $ 3.7 millones
• Licencias de software: $ 4.2 millones
• Sistemas de ciberseguridad: $ 2.6 millones
• Mantenimiento de la plataforma digital: $ 1.8 millones

Operación de rama y gastos inmobiliarios

Los costos operativos de bienes raíces y sucursales en 2022 fueron de $ 22.4 millones:

Categoría de gastos	Monto ($)
Gastos de arrendamiento	9,600,000
Utilidades	4,800,000
Mantenimiento	5,200,000
Impuestos a la propiedad	2,800,000

Cumplimiento regulatorio y gestión de riesgos

Los gastos de cumplimiento y gestión de riesgos para 2022 fueron de $ 6.9 millones:

• Consultoría legal: $ 2.3 millones
• Servicios de auditoría y cumplimiento: $ 2.6 millones
• Herramientas de evaluación de riesgos: $ 1.5 millones
• Sistemas de informes regulatorios: $ 0.5 millones

Costos de marketing y adquisición de clientes

Los gastos de marketing en 2022 alcanzaron $ 5.2 millones:

Canal de marketing	Monto ($)
Marketing digital	2,080,000
Publicidad tradicional	1,560,000
Adquisición de clientes	1,040,000
Eventos promocionales	520,000

QCR Holdings, Inc. (QCRH) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, QCR Holdings informó $ 218.9 millones en ingresos de intereses totales. Este flujo de ingresos se descompone de la siguiente manera:

Categoría de ingresos	Cantidad ($ m)
Interés de préstamo	189.4
Intereses de valores de inversión	29.5

Tarifas de servicio bancario

Tarifas de servicio bancario generadas $ 47.3 millones en ingresos para QCR Holdings en 2023, con la siguiente distribución:

• CARGOS DE SERVICIO DE CUENTA DE DISPOSITOS: $ 22.1 millones
• Cajeros automáticos y tarifas bancarias electrónicas: $ 15.6 millones
• Tarifas de sobregiro: $ 9.6 millones

Cargos de asesoramiento de gestión de patrimonio

Servicios de asesoramiento de gestión de patrimonio aportados $ 16.7 millones a los ingresos de la compañía en 2023.

Ingresos del procesamiento de transacciones

Los ingresos del procesamiento de transacciones ascendieron a $ 12.5 millones en 2023, incluyendo:

Tipo de transacción	Ingresos ($ M)
Procesamiento de tarjetas de crédito	7.2
Tarifas de transferencia de cables	3.8
Otras tarifas de transacción	1.5

Comisiones de inversión y corretaje

Comisiones de inversión y corretaje generadas $ 8.9 millones en ingresos para QCR Holdings en 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.