QCR Holdings, Inc. (QCRH): History, Ownership, Mission, How It Works & Makes Money

Ever wonder how a regional bank makes its mark in a competitive financial landscape? QCR Holdings, Inc. (QCRH), a multi-bank holding company headquartered in Moline, Illinois, has grown to boast $9.0 billion in assets, $6.8 billion in loans, and $7.1 billion in deposits as of December 31, 2024. But how did it get here, who's steering the ship, and what's the secret sauce behind its success? Keep reading to uncover the history, ownership structure, mission, and revenue streams that define QCR Holdings.

QCR Holdings, Inc. (QCRH) History

QCR Holdings, Inc.'s Founding Timeline

Year established

QCR Holdings, Inc. was established in 1993.

Original location

The company was originally located in Moline, Illinois.

Founding team members

The founding team members included:

• Douglas M. Hultquist
• John F. Lartz
• Gregory K. Derrick

Initial capital/funding

The initial capital raised to form QCR Holdings was approximately $14 million.

QCR Holdings, Inc.'s Evolution Milestones

QCR Holdings, Inc.'s Transformative Moments

• Strategic Acquisitions: QCR Holdings has grown significantly through the acquisition of community banks and other financial services companies. These acquisitions have allowed QCRH to expand its geographic footprint and diversify its service offerings.
• Diversification of Services: QCR Holdings has expanded its services beyond traditional banking to include wealth management, trust services, and insurance. This diversification has helped QCRH to attract a wider range of customers and generate more revenue.
• Focus on Community Banking: QCR Holdings has maintained a focus on community banking, which has helped it to build strong relationships with its customers and communities. This focus has also helped QCRH to attract and retain talented employees.

To gain more insights into the company's guiding principles, explore: Mission Statement, Vision, & Core Values of QCR Holdings, Inc. (QCRH).

QCR Holdings, Inc. (QCRH) Ownership Structure

QCR Holdings, Inc. exhibits a mixed ownership structure, featuring a combination of institutional, individual, and insider stakeholders. This blend influences the corporate governance and strategic direction of the company.

QCR Holdings, Inc.'s Current Status

QCR Holdings, Inc. is a publicly traded company, meaning its shares are available for purchase on a stock exchange. As of February 13, 2025, QCRH is traded on the NASDAQ Global Select Market under the ticker symbol QCRH.

QCR Holdings, Inc.'s Ownership Breakdown

The ownership of QCR Holdings, Inc. is distributed among various types of shareholders. Here's a breakdown:

QCR Holdings, Inc.'s Leadership

The leadership team plays a crucial role in guiding the strategic initiatives and operational execution of the company. Some key members of the leadership team include:

• Larry J. Helling: Chief Executive Officer
• Todd A. Gipple: President and Chief Operating Officer
• Douglas M. Hultquist: Chief Financial Officer

Understanding the financial health of QCR Holdings is crucial for investors. For an in-depth analysis, check out: Breaking Down QCR Holdings, Inc. (QCRH) Financial Health: Key Insights for Investors

QCR Holdings, Inc. (QCRH) Mission and Values

QCR Holdings, Inc. aims to deliver financial solutions while upholding its core values of integrity, community commitment, and exceptional service.

QCR Holdings, Inc. Core Purpose

Official mission statement

QCR Holdings, Inc.'s mission statement is: 'QCR Holdings, Inc., through its subsidiary banks, is committed to being the first choice for financial solutions in the communities it serves. QCRH delivers the right solutions, at the right time, by building long-term relationships with customers, shareholders, and employees, and by reinvesting in the communities it serves.'

• Customer Focus: Prioritizing customer relationships to provide tailored financial solutions.
• Community Investment: Reinvesting in the communities they serve to foster local growth and development.
• Stakeholder Value: Balancing the needs of customers, shareholders, and employees to ensure long-term success.

Vision statement

QCR Holdings, Inc.'s vision is to be the leading financial services provider, recognized for its exceptional customer service, community engagement, and shareholder value.

• Market Leadership: Striving to be the top choice for financial services in their operating areas.
• Service Excellence: Ensuring outstanding service that sets them apart from competitors.
• Sustainable Growth: Creating lasting value for shareholders through responsible and strategic growth initiatives.

Company slogan/tagline

While specific slogans or taglines may vary over time or across different marketing materials, QCR Holdings, Inc. generally emphasizes themes of reliability, community partnership, and customer-focused financial solutions.

• Reliability: Highlighting their trustworthiness and stability as a financial institution.
• Community Partnership: Reinforcing their commitment to local communities and their residents.
• Customer Focus: Underscoring their dedication to meeting the unique financial needs of each customer.

For more in-depth information, you can visit: Mission Statement, Vision, & Core Values of QCR Holdings, Inc. (QCRH).

QCR Holdings, Inc. (QCRH) How It Works

QCR Holdings, Inc. operates as a multi-bank holding company, delivering a comprehensive suite of financial solutions through its subsidiary banks and wealth management services. These services cater to businesses, individuals, and high-net-worth clients across its regional footprint.

QCR Holdings, Inc.’s Product/Service Portfolio

QCR Holdings, Inc.’s Operational Framework

QCR Holdings, Inc. operates through a decentralized model, empowering its individual banks to make decisions that best serve their local markets. This approach allows for tailored financial solutions and fosters strong relationships with customers. Key operational aspects include:

• Community Focus: Each bank within QCR Holdings maintains a strong commitment to its local community, actively participating in local events and supporting community initiatives.
• Relationship Banking: QCRH emphasizes building long-term relationships with its customers by providing personalized service and financial advice.
• Risk Management: The company employs a comprehensive risk management framework to mitigate potential risks and ensure the safety and soundness of its operations.
• Technology Integration: QCRH continuously invests in technology to enhance its products and services, improve efficiency, and provide customers with convenient banking options, including online and mobile banking platforms.

QCR Holdings, Inc.’s Strategic Advantages

QCR Holdings, Inc. has carved out a competitive edge through several strategic advantages:

• Diversified Revenue Streams: QCRH generates revenue from a variety of sources, including commercial banking, personal banking, wealth management, and mortgage banking, which reduces its reliance on any single line of business.
• Experienced Management Team: The company is led by an experienced management team with a proven track record of success in the financial services industry.
• Strategic Branch Locations: QCRH has strategically located its branches in attractive markets with strong growth potential.
• Strong Credit Quality: QCRH maintains a strong credit quality, which helps to minimize loan losses and support profitability. In 2024, the company reported a non-performing assets ratio of 0.28%, showcasing the strength of its credit portfolio.

To gain more insights into the ownership and investment aspects of QCR Holdings, explore: Exploring QCR Holdings, Inc. (QCRH) Investor Profile: Who’s Buying and Why?

QCR Holdings, Inc. (QCRH) How It Makes Money

QCR Holdings, Inc. primarily generates revenue by providing commercial and consumer banking services, wealth management, and other financial solutions to individuals and businesses.

QCR Holdings, Inc.'s Revenue Breakdown

While precise revenue breakdowns for the 2024 fiscal year are not available, understanding the general revenue streams and their trends provides insight into how QCR Holdings generates its income.

QCR Holdings, Inc.'s Business Economics

QCR Holdings, Inc.'s business economics are driven by key factors that influence its profitability and sustainability:

• Interest Rate Spread: The difference between the interest earned on loans and the interest paid on deposits is a critical driver of profitability. Wider spreads typically lead to higher net interest income.
• Loan Volume: The amount of loans the company can issue affects revenue. Growth in loan volume contributes significantly to revenue.
• Fee Income: Revenue generated from services such as wealth management, transaction fees, and other financial services bolsters overall profitability.
• Operating Efficiency: Managing operational costs effectively impacts the bottom line. A lower efficiency ratio (operating expenses as a percentage of revenue) indicates better performance.
• Credit Quality: Maintaining a high credit quality in its loan portfolio is crucial. Lower levels of non-performing assets reduce potential losses and improve financial stability.

More information about the company can be found here: Mission Statement, Vision, & Core Values of QCR Holdings, Inc. (QCRH).

QCR Holdings, Inc.'s Financial Performance

Analyzing QCR Holdings, Inc.'s recent financial performance involves looking at key metrics that reflect the company's health and growth:

• Net Income: Measures the company's profitability after all expenses.
• Earnings Per Share (EPS): Indicates the profitability on a per-share basis, important for investors.
• Return on Assets (ROA): Shows how efficiently the company is using its assets to generate earnings.
• Return on Equity (ROE): Measures how effectively the company is using shareholders' equity to generate profits.
• Net Interest Margin (NIM): Assesses the profitability of the company’s lending activities.

These metrics provide a comprehensive view of QCR Holdings, Inc.'s financial strength and its ability to deliver value to its shareholders. As of April 2025, keeping an eye on these indicators will help stakeholders assess the company's ongoing performance and future prospects.

QCR Holdings, Inc. (QCRH) Market Position & Future Outlook

QCR Holdings, Inc. is strategically positioned to navigate the evolving financial landscape, focusing on sustainable growth and shareholder value. The company's future outlook involves capitalizing on market opportunities while mitigating potential risks.

Competitive Landscape

Opportunities & Challenges

Industry Position

QCR Holdings maintains a strong presence in the Midwest banking sector. Its industry position is characterized by:

• Community-focused approach: Prioritizing local relationships and community development initiatives.
• Diversified financial services: Offering a range of banking, wealth management, and insurance services.
• Technological investments: Enhancing digital capabilities to meet evolving customer needs.

To learn more about QCR Holdings' guiding principles, check out Mission Statement, Vision, & Core Values of QCR Holdings, Inc. (QCRH).