QCRH QCR Holdings (QCRH) Q2 FY26 earnings call
QCR Holdings delivered strong Q2 FY26 results, driven by robust loan growth, a rebound in capital markets, and solid wealth management performance, leading to record GAAP EPS and significant TBV per share growth. Despite a slight NIM contraction, the company is focused on optimizing funding costs and expects static NIM in Q3, while strategically managing assets and preparing for crossing the $10 billion threshold in 2027. The company is actively exploring alternative LIHTC loan sale structures to enhance capital efficiency.
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QCRH operating KPIs by quarter
| KPI | This call Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Efficiency ratio | 54.6%Our results this quarter drove a 310 basis point improvement in our efficiency ratio to 54.6%.Source: earnings call transcript | 55%Our efficiency ratio remained solid at 55% for the third quarter.Source: earnings call transcript | +0.4 pt |
| Common equity tier 1 ratio (CET1) | 10.68%common equity tier one ratio increased 14 basis points to 10.68%.Source: earnings call transcript | 11.01%The common equity Tier 1 ratio increased 33 basis points to 11.01% and the total risk-based capital ratio increased 37 basis points to 14.5%.Source: earnings call transcript | +0.3 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.