QCR HOLDINGS Business Summary

QCR Holdings Inc. (QCRH) operates as a relationship-driven multi-bank holding company, generating revenue through a mix of net interest income from its diverse loan and lease portfolios and non-interest income from specialized financial services. The company’s primary business segments include Commercial Banking—delivered through its subsidiary charters: Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank, and Guaranty Bank—and Wealth Management, which provides trust and asset management services. A significant competitive differentiator for QCRH is its Capital Markets segment, specifically its market-leading Low-Income Housing Tax Credit (LIHTC) lending platform, which drives robust fee income and high-yield loan growth. Within the regional banking landscape, QCRH competes directly with mid-cap peers such as Lakeland Financial (LKFN), S&T Bancorp (STBA), and Origin Bancorp (OBK), positioning itself as a high-performing Midwest specialist with a unique niche in affordable housing finance and a focus on digital transformation to scale its $9.6 billion asset base. Founded in 1993 by Douglas M. Hultquist and Michael A. Bauer, the company is currently led by President and CEO Todd A. Gipple, who assumed the role in May 2025 following a long tenure as CFO and COO. Gipple, a former Tax Partner at KPMG, brings over 40 years of financial expertise to the position. Supporting him is Senior Vice President and CFO Nick W. Anderson, a 20-year veteran of the firm’s accounting team, and Executive Vice President and COO Reba Winter, who oversees the company’s modernization and IT strategy. The leadership is overseen by a board that includes notable regional figures such as John F. Griesemer, CEO of Erlen Group. QCRH maintains a strong institutional investor base, with approximately 81% of shares held by major entities including BlackRock and Vanguard, reflecting confidence in its disciplined 9/6/5 strategic model targeting efficient expense management and sustainable return on average assets.