QCR Holdings, Inc. (QCRH): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no intrincado mundo da QCR Holdings, Inc. (QCRH), uma potência financeira dinâmica que transforma o banco tradicional por meio de sua inovadora tela de modelo de negócios. Esta instituição bancária baseada no meio-oeste combina artisticamente serviços personalizados, tecnologias digitais de ponta e experiência regional estratégica para fornecer soluções financeiras abrangentes que atendem a empresas, indivíduos e clientes de alta rede. Ao alavancar uma abordagem única que equilibra o setor bancário local orientado a relacionamentos com sofisticadas tecnologias financeiras, o QCRH se posicionou como um participante formidável no cenário bancário competitivo, oferecendo uma mistura atraente de serviço personalizado e recursos financeiros robustos.

QCR Holdings, Inc. (QCRH) - Modelo de negócios: Parcerias -chave

Associações bancárias locais e regionais

O QCR Holdings mantém parcerias com as seguintes associações bancárias:

Associação	Detalhes da colaboração	Ano estabelecido
Associação de Banqueiros de Iowa	Conformidade regulatória e rede	2018
Associação de banqueiros de Illinois	Suporte regulatório e desenvolvimento de negócios	2016

Provedores de serviços de tecnologia financeira

As principais parcerias tecnológicas incluem:

• Jack Henry & Associados - Provedor de software bancário principal
• FIS Global - Soluções bancárias digitais
• Fiserv - Serviços de Processamento e Tecnologia de Pagamento

Promotores imobiliários comerciais

O QCR Holdings colabora com promotores imobiliários regionais em vários mercados:

Desenvolvedor	Portfólio total de empréstimos	Foco geográfico
Grupo de Desenvolvimento Mid-Americano	US $ 127,3 milhões	Mercados de Illinois e Iowa
Propriedades comerciais do Heartland	US $ 89,6 milhões	Desenvolvimentos regionais do Centro -Oeste

Empresas de gestão e investimento de patrimônio

Parcerias de investimento estratégico:

• Raymond James Financial Services
• RBC Wealth Management
• Grupo de Conselheiros

Parceiros de serviço de seguros e conformidade

Parcerias de conformidade e gerenciamento de riscos:

Parceiro	Tipo de serviço	Valor anual do contrato
Soluções de risco da AON	Gerenciamento de riscos corporativos	US $ 1,2 milhão
CNA Financial Corporation	Serviços de seguro comercial	$875,000

QCR Holdings, Inc. (QCRH) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

No quarto trimestre 2023, a QCR Holdings registrou US $ 6,7 bilhões em ativos totais. O Banco opera 23 locais bancários de serviço completo em Illinois e Iowa.

Categoria de serviço bancário	Volume total (2023)
Contas de depósito	US $ 4,2 bilhões
Contas de corrente pessoal	87.500 contas ativas
Contas de poupança	US $ 1,3 bilhão

Gerenciamento de patrimônio e consultoria de investimento

A QCR Holdings fornece serviços de gerenciamento de patrimônio por meio de sua subsidiária.

• Total de ativos sob gestão: US $ 1,1 bilhão
• Número de clientes de gerenciamento de patrimônio: 3.200
• Valor médio da conta: $ 342.000

Soluções de empréstimos e crédito de negócios

Os empréstimos comerciais representam uma parcela significativa das atividades comerciais da QCR Holdings.

Categoria de empréstimo	Volume total de empréstimos (2023)
Empréstimos imobiliários comerciais	US $ 2,9 bilhões
Comercial & Empréstimos industriais	US $ 1,6 bilhão
Empréstimos para pequenas empresas	US $ 412 milhões

Gerenciamento do Tesouro para clientes corporativos

A QCR Holdings oferece soluções abrangentes de gerenciamento do Tesouro.

• Clientes do Tesouro Corporativo: 750
• Receita total de gerenciamento do tesouro: US $ 24,3 milhões em 2023
• Cobertura de serviços de gerenciamento de caixa: 15 mercados metropolitanos

Desenvolvimento da plataforma bancária digital

O investimento em infraestrutura bancária digital continua sendo um foco essencial.

• Usuários do Banco Digital: 62.000
• Downloads de aplicativos bancários móveis: 41.500
• Volume de transações online: 2,3 milhões de transações mensais

QCR Holdings, Inc. (QCRH) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional no Centro -Oeste

A partir do quarto trimestre 2023, o QCR Holdings opera 28 locais bancários em Illinois e Iowa. O total de ativos da rede bancária regional foi de US $ 16,2 bilhões. A concentração geográfica primária inclui:

Estado	Número de locais	Total de depósitos
Illinois	19	US $ 10,4 bilhões
Iowa	9	US $ 5,8 bilhões

Equipe de gestão financeira experiente

Composição da equipe de gerenciamento:

• Total de executivos: 7
• Experiência bancária média: 22 anos
• Possui de liderança com QCR Holdings: 12,5 anos

Infraestrutura bancária digital avançada

Os recursos bancários digitais incluem:

• Plataformas bancárias móveis
• Sistemas de transação online
• Monitoramento de contas em tempo real

Métricas bancárias digitais:

Métrica	2023 dados
Usuários bancários móveis	126,500
Volume de transações online	3,2 milhões mensais

Portfólio diversificado de empréstimos e investimentos

Breakdown de portfólio:

Categoria de empréstimo	Valor total	Percentagem
Empréstimos comerciais	US $ 8,7 bilhões	54%
Hipotecas residenciais	US $ 4,3 bilhões	26%
Empréstimos ao consumidor	US $ 3,2 bilhões	20%

Sistemas robustos de gerenciamento de riscos

Métricas de gerenciamento de riscos:

• Taxa de empréstimo sem desempenho: 0,62%
• Reserva de perda de empréstimo: US $ 142 milhões
• Razão de adequação de capital: 13,4%

QCR Holdings, Inc. (QCRH) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas

A QCR Holdings fornece serviços de negócios de negócios direcionados com US $ 14,9 bilhões em ativos totais a partir do quarto trimestre 2023. O portfólio de empréstimos comerciais atingiu US $ 8,3 bilhões, oferecendo soluções financeiras personalizadas para empresas de mercado intermediário.

Segmento bancário de negócios	Valor total
Portfólio de empréstimos comerciais	US $ 8,3 bilhões
Contas de depósito de negócios	US $ 6,2 bilhões
Tamanho médio de empréstimo comercial	US $ 1,4 milhão

Taxas de juros competitivas e produtos financeiros

A receita de juros de 2023 totalizou US $ 468,3 milhões. A margem de juros líquidos ficou em 3,72%, com taxas de empréstimos competitivos em vários produtos financeiros.

• Taxas de juros de empréstimos comerciais: 6,25% - 8,75%
• Taxas de empréstimos imobiliários comerciais: 7,15% - 9,25%
• Taxas de crédito de crédito: 6,50% - 8,90%

Experiência no mercado local e serviço baseado em relacionamento

Operando em 5 estados do Centro -Oeste com 44 locais bancários. Participação de mercado regional no banco de negócios: 12,6%.

Presença geográfica	Detalhes
Estados servidos	Illinois, Iowa, Wisconsin, Missouri, Colorado
Total de locais bancários	44
Participação de mercado regional	12.6%

Ofertas abrangentes de gerenciamento de patrimônio

O segmento de gerenciamento de patrimônio gerou US $ 42,6 milhões em receita de taxas durante 2023. Os ativos sob a gerência atingiram US $ 1,9 bilhão.

• Receita da taxa de gerenciamento de patrimônio: US $ 42,6 milhões
• Total de ativos sob gestão: US $ 1,9 bilhão
• Valor médio do portfólio de clientes: US $ 3,2 milhões

Tecnologias financeiras flexíveis e inovadoras

A plataforma bancária digital suporta US $ 4,7 bilhões em volumes de transações digitais. Os usuários bancários móveis aumentaram 18,4% em 2023.

Métricas bancárias digitais	Valor
Volume de transação digital	US $ 4,7 bilhões
Crescimento dos usuários bancários móveis	18.4%
Penetração bancária online	67.3%

QCR Holdings, Inc. (QCRH) - Modelo de negócios: Relacionamentos do cliente

Gerentes de relacionamento dedicados

A QCR Holdings fornece gerenciamento de relacionamento bancário personalizado em sua rede de 19 locais bancários em Illinois e Iowa a partir de 2023.

Segmento de clientes	Gerentes de relacionamento dedicados	Portfólio médio de clientes
Bancos comerciais	42 gerentes	12-15 clientes comerciais por gerente
Bancos pessoais	28 gerentes	75-100 clientes individuais por gerente

Abordagem personalizada de atendimento ao cliente

A QCR Holdings mantém um modelo de atendimento ao cliente com alto toque com uma taxa média de retenção de clientes de 87,3% em 2023.

• Tempo médio de interação do cliente: 22 minutos por engajamento
• Classificação de satisfação do cliente: 4.6/5
• Tempo de resposta às consultas do cliente: dentro de 4 horas

Suporte bancário digital e pessoal

Os canais bancários digitais representam 63% do total de interações do cliente em 2023.

Canal bancário	Porcentagem de uso	Transações mensais médias
Mobile Banking	42%	3.750 transações
Bancos online	21%	2.100 transações
Ramo pessoal	37%	1.850 transações

Consultoria financeira personalizada

A QCR Holdings oferece serviços especializados de consultoria financeira em vários segmentos.

• Sessões de consultoria de negócios: 425 por trimestre
• Consultas de gerenciamento de patrimônio: 210 por mês
• Duração média da consulta: 1,5 horas

Estratégias de retenção de clientes de longo prazo

O QCR Holdings implementa programas abrangentes de retenção de clientes com resultados mensuráveis.

Estratégia de retenção	Taxa de implementação	Impacto de retenção de clientes
Programas de fidelidade	86% de cobertura	7,2% aumentou a retenção
Revisões anuais de clientes	92% de participação	6,5% de taxa reduzida de rotatividade

QCR Holdings, Inc. (QCRH) - Modelo de negócios: canais

Rede de agência bancária física

A partir do quarto trimestre 2023, o QCR Holdings opera 35 agências bancárias físicas em Illinois e Iowa. Locais de filiais estão concentrados em:

• Área metropolitana de Quad Cities
• Cedar Rapids
• Davenport
• Ilha Rock

Estado	Número de ramificações
Illinois	22
Iowa	13

Plataforma bancária online

O QCR Holdings fornece serviços bancários digitais por meio de sua plataforma on -line, servindo Aproximadamente 45.000 usuários de bancos digitais ativos em dezembro de 2023.

Aplicativo bancário móvel

Os recursos do aplicativo bancário móvel incluem:

• Rastreamento do saldo da conta
• Depósito de cheque móvel
• Transferências de fundos
• Serviços de pagamento da conta

Downloads de aplicativos: 28.500 usuários ativos em 2023

Telefone e e -mail Suporte ao cliente

Canal de suporte	Tempo médio de resposta	Volume diário
Suporte telefônico	12 minutos	350 chamadas
Suporte por e -mail	4 horas	125 e -mails

Transação digital e gerenciamento de contas

Estatísticas de transações digitais para 2023:

• Total de transações digitais: 1.245.000
• Transações digitais mensais médias: 103.750
• Porcentagem de transação móvel: 62%
• Porcentagem de transação online: 38%

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

Pequenas e médias empresas

A QCR Holdings atende 2.348 clientes comerciais pequenos e médios em suas redes bancárias regionais a partir do quarto trimestre 2023.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Fabricação	412	US $ 1,2 milhão
Serviços profissionais	587	$685,000
Varejo/atacado	689	$456,000

Clientes corporativos e comerciais

O portfólio de clientes corporativos inclui 276 entidades comerciais com empréstimos comerciais totais de US $ 487,3 milhões em 2023.

• Tamanho médio de empréstimo comercial: US $ 1,76 milhão
• Total de ativos de depósito comercial: US $ 312,5 milhões
• Concentração da indústria: saúde, tecnologia, agricultura

Clientes bancários de varejo individuais

A QCR Holdings atende 84.562 clientes de banco de varejo individuais em seus mercados regionais.

Tipo de cliente	Volume de conta	Saldo médio da conta
Verificação pessoal	42,187	$22,340
Economia pessoal	36,275	$47,620

Indivíduos de alta rede

O segmento de gerenciamento de patrimônio atende 1.247 clientes de alta rede com ativos totais sob gerenciamento de US $ 623,7 milhões em 2023.

• Valor mínimo da conta: $ 500.000
• Valor médio do portfólio de clientes: US $ 499.760
• Receita de serviços de investimento: US $ 8,4 milhões

Mercados empresariais locais e regionais

A QCR Holdings opera em 4 estados, com foco nos mercados regionais de empresas, atendendo a 612 clientes em nível de empresa.

Estado	Clientes corporativos	Empréstimos totais de mercado
Illinois	276	US $ 214,6 milhões
Iowa	189	US $ 147,3 milhões
Wisconsin	87	US $ 82,4 milhões
Missouri	60	US $ 43,2 milhões

QCR Holdings, Inc. (QCRH) - Modelo de negócios: estrutura de custos

Compensação e benefícios dos funcionários

A partir de 2022, o Relatório Anual, o Total de despesas de remuneração dos funcionários da QCR Holdings foi de US $ 77,6 milhões. Avaria da estrutura de compensação:

Categoria de compensação	Valor ($)
Salários	62,480,000
Bônus de desempenho	8,760,000
Remuneração baseada em ações	3,920,000
Benefícios dos funcionários	2,440,000

Manutenção de tecnologia e infraestrutura digital

Os custos de infraestrutura de tecnologia para 2022 totalizaram US $ 12,3 milhões:

• Hardware de TI: US $ 3,7 milhões
• Licenciamento de software: US $ 4,2 milhões
• Sistemas de segurança cibernética: US $ 2,6 milhões
• Manutenção da plataforma digital: US $ 1,8 milhão

Operação de filial e despesas imobiliárias

Os custos operacionais imobiliários e de filial em 2022 foram de US $ 22,4 milhões:

Categoria de despesa	Valor ($)
Despesas de arrendamento	9,600,000
Utilitários	4,800,000
Manutenção	5,200,000
Impostos sobre a propriedade	2,800,000

Conformidade regulatória e gerenciamento de riscos

As despesas de conformidade e gerenciamento de riscos em 2022 foram de US $ 6,9 milhões:

• Consultoria legal: US $ 2,3 milhões
• Serviços de auditoria e conformidade: US $ 2,6 milhões
• Ferramentas de avaliação de risco: US $ 1,5 milhão
• Sistemas de relatórios regulatórios: US $ 0,5 milhão

Custos de marketing e aquisição de clientes

As despesas de marketing em 2022 atingiram US $ 5,2 milhões:

Canal de marketing	Valor ($)
Marketing digital	2,080,000
Publicidade tradicional	1,560,000
Aquisição de clientes	1,040,000
Eventos promocionais	520,000

QCR Holdings, Inc. (QCRH) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, informou o QCR Holdings US $ 218,9 milhões na receita total de juros. Este fluxo de receita se decompõe da seguinte maneira:

Categoria de receita	Valor ($ m)
Juros de empréstimos	189.4
Juros de títulos de investimento	29.5

Taxas de serviço bancário

Taxas de serviço bancário geradas US $ 47,3 milhões em receita da QCR Holdings em 2023, com a seguinte distribuição:

• Cobranças de serviço de conta de depósito: US $ 22,1 milhões
• Taxas bancárias eletrônicas e eletrônicas: US $ 15,6 milhões
• Taxas de cheque especial: US $ 9,6 milhões

Cobranças de consultoria de gestão de patrimônio

Os serviços de consultoria de gestão de patrimônio contribuíram US $ 16,7 milhões para a receita da empresa em 2023.

Receita de processamento de transações

As receitas de processamento de transações totalizaram US $ 12,5 milhões em 2023, incluindo:

Tipo de transação	Receita ($ m)
Processamento de cartão de crédito	7.2
Taxas de transferência de fio	3.8
Outras taxas de transação	1.5

Comissões de investimento e corretagem

Comissões de investimento e corretagem geradas US $ 8,9 milhões em receita da QCR Holdings em 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.