QCRH QCR Holdings (QCRH) Q3 FY26 earnings call
QCR Holdings delivered a strong third quarter, marked by record earnings per share and robust loan growth, driven by both traditional banking and the LIHTC business. The company continues its digital transformation journey, with the third core conversion completed, aiming for enhanced operating leverage in future periods. Strategic balance sheet management, including LIHTC loan offtake transactions, is optimizing capital deployment and profitability, while asset quality remains exceptionally strong. Management is actively exploring new LIHTC offtake structures and preparing for the $10 billion
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QCRH operating KPIs by quarter
| KPI | Jun 2026 Q2 FY26 | This call 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.