Qcr Holdings Inc.

Tangible Book Value Growth and Disciplined Capital Management Tangible book value ( TBV ) per share 1 increased to $61.79 at September 30, 2026, representing 11% year-over-year growth while at the same time returning capital to shareholders through the repurchase of approximately 650 thousand shares of common stock and two dividend increases to-date in 2026.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

The decrease primarily reflected a $19.4 million reduction in accumulated other comprehensive income from unrealized losses on the investment portfolio as market interest rates increased, as well as the impact of continued share repurchases.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

These quarterly changes reflect the combined impact of strong earnings and share repurchases during the quarter, partially offset by strong loan and investment growth.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Continued Opportunistic Share Repurchases The Company repurchased $9.5 million of common stock during the third quarter of 2026, reflecting confidence in the Company s long-term outlook.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Since resuming share repurchase activity in 2025, the Company has repurchased more than 770 thousand shares, returning $65.5 million of capital to shareholders at an attractive multiple relative to TBV 1 .

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

The share repurchase program remains an important capital management tool, providing flexibility to return capital to shareholders while maintaining a strong capital position.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

For the Quarter Ended September 30, June 30, September 30, $ in millions (except per share data) 2026 2026 2025 Net Income $ 36.4 $ 36.3 $ 36.7 Diluted EPS $ 2.21 $ 2.19 $ 2.16 Adjusted Net Income 1 $ 36.4 $ 36.3 $ 36.9 Adjusted Diluted EPS 1 $ 2.21 $ 2.19 $ 2.17 We delivered record EPS this quarter with net income of $36.4 million, supported by margin expansion, robust loan growth, increased capital markets revenue, solid wealth management revenue, and further improvement in asset quality to the strongest level in several years, said Todd Gipple, President and Chief Executive Officer.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Over the past 12 months, we have strategically sold and securitized loans to recycle capital, support additional LIHTC originations, and generate attractive fee income without requiring corresponding balance sheet growth.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Net Interest Income Growth Supported by Margin Expansion Net interest income for the third quarter of 2026 was $68.7 million, an increase of $0.8 million, or 5% annualized, from the second quarter of 2026.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

The linked-quarter increase in net interest income was driven by margin expansion supported by disciplined funding costs and higher average noninterest-bearing deposits.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Average earning assets declined $44.5 million, reflecting strategic LIHTC loan offtakes in the second quarter with strong third quarter loan and investment growth partially offsetting the reduction.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

These factors include, but are not limited to: (i) the strength of the local, state, national and international economies and financial markets, including effects of inflationary pressures, the threat or implementation of tariffs, immigration enforcement and changes in foreign policy; (ii) effects on the U.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the results anticipated or implied by forward-looking statements.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026

These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements.

SEC original ↗Qcr Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2026