QCR Holdings Inc 2025年度报告

☒ANNUAL REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscalyear ended December31, 2025.☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934Commission file number: 0-22208QCR HOLDINGS,INC.(Exact name of registrant as specified in its charter)Delaware42-1397595(State of incorporation)(I.R.S. Employer Identification No.)3551 7th Street, Moline, Illinois 61265(Address of principal executive offices)(309) 736-3580(Registrant’s telephone number, including area code)Securities registered pursuant to Section12(b)of the Exchange Act: Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule405 of the Securities Act. Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section15(d)of the Exchange Act.Yes[ ]No[ X ] Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of the SecuritiesExchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant was required to file such reports),and (2)has been subject to such filing requirements for past 90days.Yes[ X ]No[ ] Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuantto Rule405 of Regulation S-T during the preceding 12months (or for such shorter period that the registrant was required to submit andpost such files).Yes[ X ]No[ ] Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany,” and “emerging growth company” in Rule12b-2 of the Exchange Act. Large accelerated filer [X] Accelerated filer[ ]Non-accelerated filer[]Smallerreportingcompany[]Emerginggrowthcompany[] If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.[] Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness ofits internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered publicaccounting firm that prepared or issued its audit report. [X] If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrantincluded in the filing reflect the correction of an error to previously issued financial statements. [] Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-basedcompensation received by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b).[] Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Act). Yes[]No[ X ] The aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant, based on the last salesprice quoted on The Nasdaq Global Market on June30, 2025, the last business day of the registrant’s most recently completed secondfiscal quarter, was approximately $1,122,163,334. As of February12, 2026 the Registrant had outstanding 16,730,722 shares of common stock, $1.00 par value per share. Documents incorporated by reference:PartIII of Form10-K incorporates by reference portions of the proxy statement for annual meeting of stockholders to be held in QCR HOLDINGS,INC. AND SUBSIDIARIESINDEX Part IItem 1. BusinessItem1A.Risk FactorsItem1B.Unresolved Staff CommentsItem1C.CybersecurityItem 2.PropertiesItem 3.Legal ProceedingsItem 4.Mine Safety Disclosures 32Part II32Item 5.Market for Registrant’s Common Equity, Related Stockholder Matters and IssuerPurchases of Equity Securities32Item 6.[Reserved]34Item 7.Management’s Discussion and Analysis of Financial Condition and Results ofOperations35General35Critical Accounting Policies and Critical Accounting Estimates35Executive Overview36Strategic Financial Metrics37Strategic Developments37GAAP to Non-GAAP Reconciliations38Net Interest Income and Margin (Tax Equivalent Basis)(Non-GAAP)40Results of Operations42Interest Income42Interest Expense42Provision for Credit Losses43Noninterest Income44Noninterest Expenses45Income Tax Expense47Financial Condition47Overview47Investment Securities47Loans/Leases49Allowance for Credit Losses on Loans/Leasesand OBS Exposures50Nonperforming Assets53Deposits54Short-Term Borrowings55FHLB Advances and Other Borrowings55Subordinated Notes55Junior Subordinated Debentures55Stockholders’ Equity56Liquidity and Capital Resources57Commitments, Contingencies,