Mission Statement, Vision, & Core Values of QCR Holdings, Inc. (QCRH)

Understanding the Mission Statement, Vision, and Core Values of QCR Holdings, Inc. (QCRH) is defintely key to analyzing its performance, especially when the bank is managing $9.6 billion in total assets as of September 2025. How does a regional multi-bank holding company, with a TTM net income of nearly $121.8 million, translate its core belief-We make financial dreams a reality-into tangible shareholder value? You need to know if their stated values of Passion, Achievement, and Accountability are actually driving their impressive Q3 2025 net income of $36.7 million, or if those are just words on a wall. Let's map the strategic impact of their guiding principles onto their recent financial success.

QCR Holdings, Inc. (QCRH) Overview

You need to understand the bedrock of QCR Holdings, Inc. (QCRH) before analyzing the numbers. This is a relationship-driven, multi-bank holding company, not just another faceless regional bank, and their focus on community and client relationships is defintely a core driver of their financial success. Headquartered in Moline, Illinois, QCR Holdings operates through wholly-owned subsidiary banks, serving key US Midwest communities like the Quad Cities, Cedar Rapids, Des Moines/Ankeny, and Springfield.

Their business model is straightforward: provide full-service commercial and consumer banking, plus trust and wealth management services. The company's history dates back to 1994, and today it operates with approximately 1,039 employees and 37 branches across its service areas.

The company's Mission is simple: We make financial dreams a reality. This feeds into a clear Vision of 'Exceptional people providing extraordinary performance for our clients, shareholders, and communities.' You can see their priorities mapped out in their six Core Values:

• Passion: Drive client success.
• Achievement: Deliver strong results.
• Accountability: Own your commitments.
• Collaboration: Work as one team.
• Innovation: Improve constantly.
• Inclusion: Value every perspective.

As of March 31, 2025, the company reported total assets of $9.2 billion, showing a solid balance sheet underpinning their operations. For a deeper dive into their structure, you can check out QCR Holdings, Inc. (QCRH): History, Ownership, Mission, How It Works & Makes Money.

2025 Financial Performance: A Record Quarter

QCR Holdings, Inc. delivered an exceptional third quarter in 2025, reporting record financial metrics that confirm their strategy is working. The direct takeaway is that a strong rebound in their capital markets business, coupled with robust loan growth, drove a significant earnings beat.

Here's the quick math on Q3 2025: QCR Holdings, Inc. announced record quarterly net income of $36.7 million, or an adjusted net income of $36.9 million. This translated to diluted earnings per share (EPS) of $2.16, a powerful 26% increase from the prior quarter. Total revenue for the quarter was $101.45 million, exceeding analyst expectations.

The real story is the surge in noninterest income, specifically from capital markets. This revenue stream hit $23.8 million in the third quarter of 2025, representing a massive 141% jump from the second quarter. This outperformance was largely driven by strong new loan production, particularly in the specialized Low-Income Housing Tax Credit (LIHTC) lending business.

Other key growth indicators for the third quarter of 2025 include:

• Net Interest Income: $64.8 million, up 18% annualized.
• Loan Growth: Increased at a 15% annualized rate.
• Wealth Management Revenue: Reached $5.0 million, an 8% sequential increase.
• Efficiency Ratio: Improved to 55.78%, the lowest in four years.

What this estimate hides is the strategic benefit of their digital transformation initiatives, which contributed to the improved efficiency ratio.

QCR Holdings, Inc. as an Industry Leader

While QCR Holdings, Inc. is often categorized as a Midwest regional bank, their performance and strategic focus position them as a clear leader within their market segment. They aren't trying to be a mega-bank, but they are dominant in their niche.

The consistent delivery of record results, like the third quarter 2025's $36.7 million net income, demonstrates superior execution compared to many peers. Their specialized lending, especially in the Low-Income Housing Tax Credit space, provides a high-growth, high-margin revenue stream that differentiates them from traditional commercial banks.

The market is responding: as of October 31, 2025, the company's market capitalization stood at approximately $1.26 billion. This kind of valuation and growth momentum-with adjusted EPS climbing 26% quarter-over-quarter-signals a company that is outperforming its regional banking classification. If you want to understand what makes a regional player a financial powerhouse, you need to look at the 'how' behind these numbers. Find out more below to understand why QCR Holdings, Inc. is so successful.

QCR Holdings, Inc. (QCRH) Mission Statement

If you're looking at QCR Holdings, Inc. (QCRH), you need to understand that their single-sentence Mission Statement-We make financial dreams a reality-is the foundation, but the Vision Statement is where the strategy lives. The Mission is your direct takeaway: it's about tangible results for the people they serve. It's a simple, powerful declaration, but to see how they execute it, you must look at the three core components detailed in their Vision: clients, shareholders, and communities.

A mission is only as good as the actions it drives. For a financial institution, this means consistently delivering on performance and service quality. QCR Holdings, Inc. is a multi-bank holding company, so their long-term goal is to guide their decentralized subsidiaries to achieve this reality for all stakeholders, not just one group. This structure is defintely key to their approach.

Component 1: Making Dreams a Reality for Clients (High-Quality Products)

The first component of the Vision focuses on providing 'extraordinary performance for our clients.' This isn't just about offering a checking account; it's about delivering high-quality products and services that minimize risk and maximize opportunity for the customer. You see this commitment clearly in their asset quality and their investment in technology.

Here's the quick math on quality: as of September 30, 2025, the ratio of nonperforming assets (NPAs) to total assets stood at an excellent 0.45%. This low ratio is a strong indicator of disciplined, high-quality lending and asset management, meaning their clients are generally getting sound financial products and advice. To be fair, maintaining this level of credit quality while growing is hard work.

Also, in November 2025, QCR Holdings, Inc. selected Jack Henry to modernize its core technology platform across all four subsidiary banks. This move directly supports the 'Innovation' core value and is a concrete action to improve the client experience.

• Elevate client and employee experiences.
• Standardize operations across all four banks.
• Enable a data-driven growth strategy for better service.

Component 2: Making Dreams a Reality for Shareholders (Extraordinary Performance)

The second part of the Vision demands 'extraordinary performance for our shareholders.' In my two decades as an analyst, I've learned that extraordinary performance in banking is defined by profitable growth and efficient capital deployment. QCR Holdings, Inc.'s 2025 fiscal year results show a clear commitment to this goal.

The company reported record quarterly net income of $36.7 million for the third quarter of 2025, translating to $2.16 per diluted share. This is a tangible result of their strategy. Plus, the company saw a strong loan growth of 15% on an annualized basis in Q3 2025, demonstrating effective deployment of their $9.2 billion in total assets (as of March 31, 2025).

The Wealth Management segment also contributes significantly, generating $5.0 million in revenue in Q3 2025, an 8% increase from the prior quarter. This diversified revenue stream helps stabilize earnings, which is exactly what shareholders want to see in a volatile market.

Component 3: Making Dreams a Reality for Communities (Exceptional People)

The third and final component of the Vision focuses on 'extraordinary performance for our communities.' This is where QCR Holdings, Inc. operationalizes its 'relationship-driven' model. They operate four distinct bank charters-like Quad City Bank & Trust, Cedar Rapids Bank & Trust, and Guaranty Bank-each managed by local veteran bankers and governed by local boards.

This local decision-making structure is the mechanism for making financial dreams a reality in the Midwest communities they serve, including the Quad Cities, Cedar Rapids, and Springfield. For example, their subsidiary, Quad City Bank & Trust, reports over $2.1 billion in assets and emphasizes its community-minded approach by supporting local businesses and sponsoring events.

The core values of 'Collaboration' and 'Inclusion' are put into action here, ensuring that the financial solutions are customized to the specific needs of each market, not just dictated from a corporate headquarters in Moline, Illinois. It's a strategy that preserves the personal, one-on-one service that defines community banking.

QCR Holdings, Inc. (QCRH) Vision Statement

When you evaluate a financial institution like QCR Holdings, Inc., the vision statement isn't just a plaque on the wall; it's the operating manual for how they create value. Their vision-Exceptional people providing extraordinary performance for our clients, shareholders, and communities-is a clear, three-part directive. It tells you exactly where they focus their capital and talent, so you can map their near-term risks and opportunities.

This relationship-driven model is how a multi-bank holding company with 1,013 employees manages to punch above its weight class. It's a defintely a high-touch strategy in an increasingly digital industry, but it's working. For a deeper dive into the mechanics, you can look at QCR Holdings, Inc. (QCRH): History, Ownership, Mission, How It Works & Makes Money.

Exceptional People: The Foundation of QCRH's Strategy

The vision starts with 'Exceptional people,' recognizing that in financial services, the quality of your team is your biggest asset. It's not about having the most branches; it's about having the best bankers. With a workforce of just over 1,000 employees, QCR Holdings, Inc. must maintain a high employee-to-asset ratio compared to mega-banks, which means each person's productivity is critical.

The risk here is talent retention, especially when you consider the firm's trailing twelve-month (TTM) revenue was $345 million as of September 30, 2025. That revenue per employee needs to remain high to justify the compensation required to keep those exceptional people. The action for investors is monitoring employee turnover and compensation trends in their quarterly reports.

Extraordinary Performance for Clients and Shareholders

The second part of the vision is the financial engine: 'extraordinary performance for our clients, shareholders.' This is where the rubber meets the road for you as an investor. The company's focus on commercial banking and wealth management is designed to deliver this dual performance.

Here's the quick math on their recent performance: for the third quarter of 2025, QCR Holdings, Inc. announced record quarterly net income of $36.7 million, translating to $2.16 per diluted share. That's a strong return on assets. Also, the company's total assets, as of the end of the third quarter of 2025, were approximately $9.57 Billion (TTM), showing steady, deliberate growth. What this estimate hides is the continued pressure on net interest margin (NIM) in a volatile rate environment, still, their tangible common equity to tangible assets ratio (TCE) improved to 9.97% as of September 30, 2025, which gives you a solid capital buffer.

• Net Income Q3 2025: $36.7 million.
• Total Assets (TTM Sept 2025): $9.57 Billion.
• TCE Ratio (Sept 2025): 9.97%.

Commitment to Communities: The Local Edge

A community bank's strength is its local market penetration, and QCR Holdings, Inc. operates through distinct regional banks like Quad City Bank & Trust and Cedar Rapids Bank & Trust. This local structure is the practical application of their commitment to 'communities.' It's not just philanthropy; it's a strategic advantage.

By being deeply embedded, they secure core deposits and find high-quality lending opportunities that larger, more centralized banks often miss. Their strategy is to grow core deposits-the stable, less rate-sensitive funds-which grew at an annualized rate of 20% in the first quarter of 2025. This stable funding base is crucial for supporting future loan growth and maintaining a competitive cost of funds.

Core Values: The Operational Blueprint

The six core values-Passion, Achievement, Accountability, Collaboration, Innovation, and Inclusion-are the behavioral guardrails for the vision. These aren't just buzzwords; they dictate the internal culture and, ultimately, the risk profile.

For example, the value of Accountability directly maps to their credit quality. As of September 30, 2025, the nonperforming assets (NPAs) to total assets ratio was a tight 0.45%. That's a testament to disciplined underwriting and a culture that prioritizes long-term achievement over short-term loan volume. The focus on Innovation is also key, driving their capital markets revenue, which was $23.8 million in the third quarter of 2025, up significantly from the prior quarter, showing they are actively diversifying their income streams beyond traditional lending.

• Passion: Fueling client relationships.
• Achievement: Driving financial results.
• Accountability: Maintaining strong credit quality (0.45% NPA ratio).
• Collaboration: Leveraging multi-bank structure.
• Innovation: Diversifying revenue (e.g., $23.8 million in Q3 2025 capital markets revenue).
• Inclusion: Building a broad, resilient talent base.

Next Step: You should track their upcoming Q4 2025 earnings release to see if the loan growth and capital markets momentum can be sustained against potential economic headwinds.

QCR Holdings, Inc. (QCRH) Core Values

As a seasoned analyst, I look past the quarterly earnings report to the core principles that drive sustained performance, and for QCR Holdings, Inc. (QCRH), those principles are clearly defined. Their mission is simple: We make financial dreams a reality. [cite: 3 (from step 1), 6 (from step 2)] Their success in 2025, including a record Q3 net income of $36.7 million, [cite: 1 (from step 1)] is a direct result of living out their six core values.

You need to know how a company's values translate into action and financial stability. For QCRH, it's about balancing aggressive growth-like the 15% annualized loan growth in Q3 2025 [cite: 1 (from step 1)]-with a deep commitment to their local communities in Iowa, Illinois, and Missouri. That's the real story.

Achievement

Achievement, for a financial institution, means delivering exceptional performance for shareholders and clients. It's not just about growth, but profitable, high-quality growth. QCRH has defintely shown this in 2025.

The company's third quarter of 2025 saw record quarterly net income of $36.7 million, [cite: 1 (from step 1)] translating to diluted earnings per share (EPS) of $2.16. [cite: 1 (from step 1)] This kind of performance is what separates a strong regional player from the pack. They are also maintaining a strong capital position, with the tangible common equity to tangible assets ratio (TCE) rising to 9.97% as of September 30, 2025. [cite: 1 (from step 1)]

• Delivered $23.8 million in Capital Markets revenue in Q3 2025. [cite: 1 (from step 1)]
• Achieved 15% annualized loan growth in Q3 2025. [cite: 1 (from step 1)]
• Increased shareholder value with a TCE ratio of 9.97%. [cite: 1 (from step 1)]

Innovation

In a rapidly changing industry, innovation is crucial for a multi-bank holding company to compete with national players and fintechs (financial technology companies). QCRH is not dragging its feet on digital transformation.

In November 2025, QCR Holdings, Inc. announced a significant move to select Jack Henry to modernize its entire technology infrastructure across all four subsidiary banks. [cite: 1, 2, 3 (from step 2)] This isn't just a tech upgrade; it's a strategic shift to standardize operations and enable a data-driven growth strategy. They are implementing tools like Enterprise Workflow and Synergy to streamline internal processes, [cite: 1 (from step 2)] which will boost efficiency and improve both the client and employee experience. That's smart capital allocation.

Collaboration & Inclusion

These two values are inseparable in a community-focused banking model, driving both social impact and a diversified revenue stream. QCRH's focus on Low-Income Housing Tax Credit (LIHTC) lending is a perfect example of this synergy.

The LIHTC lending business saw a strong rebound in activity during the third quarter of 2025, directly contributing to the $23.8 million in Capital Markets revenue. [cite: 1 (from step 1)] This shows how their commitment to affordable housing-a clear inclusion goal-is also a core business driver. Also, their local banks are deeply embedded in their communities. For instance, Cedar Rapids Bank & Trust made a $100,000 donation to fully fund the innovative Landlord and Tenant Incentive Pilot Program in Linn County, [cite: 6 (from step 3)] a collaboration aimed at addressing the top barriers to stable housing.

Passion

You can't mandate passion, but you can create a culture that rewards it. QCRH does this through employee-led community initiatives, which reinforce their local-first approach.

The subsidiary Quad City Bank & Trust, for example, runs a unique program called VolunCHEERS. [cite: 1, 4 (from step 3)] This program encourages employees to volunteer for local organizations, recognizing their personal commitment and providing bank donations back to their chosen causes once milestones are reached. In 2024, Quad City Bank & Trust employees reported over 8,200 hours of volunteer time, benefiting 241 local organizations. [cite: 1, 4 (from step 3)] That level of engagement is a powerful indicator of a motivated, passionate workforce.

Accountability

Accountability is about transparency, disciplined risk management, and regulatory compliance. For QCRH, this is demonstrated in their capital strength and their adherence to serving all segments of their market.

The company maintains a strong focus on its capital ratios, with the Tangible Common Equity to Tangible Assets Ratio (TCE) at 9.97% as of September 30, 2025, [cite: 1 (from step 1)] demonstrating financial discipline. Furthermore, subsidiary banks like Cedar Rapids Bank & Trust explicitly highlight their commitment to the Community Reinvestment Act (CRA) [cite: 3 (from step 3)] to ensure credit opportunities are accessible to all segments of their communities. This is a clear, measurable commitment to regulatory and ethical accountability. For more on the company's financial structure, you can read QCR Holdings, Inc. (QCRH): History, Ownership, Mission, How It Works & Makes Money.