CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025
Loans/leases, including fees:
Taxable	$ 76,657	$ 74,088
Nontaxable	25,458	26,348
Securities:
Taxable	4,962	4,588
Nontaxable	11,068	9,212
Interest-bearing deposits at financial institutions	1,488	1,804
Restricted investment securities	385	534
Federal funds sold	73	99
Total interest and dividend income	120,091	116,673
Interest expense:
Deposits	45,555	50,387
Short-term borrowings	27	18
Federal Home Loan Bank advances	297	1,996
Other borrowings	1,167
Subordinated notes	4,920	3,602
Junior subordinated debentures	687	684
Total interest expense	52,653	56,687
Net interest income	67,438	59,986
Provision for credit losses	2,454	4,234
Net interest income after provision for credit losses	64,984	55,752
Noninterest income:
Gains on sales of residential real estate loans, net	614	297
Capital markets revenue	10,701	6,516
Earnings on bank-owned life insurance	931	524
Loan related fee income	950	898
Fair value gain (loss) on derivatives and trading securities	(869)	(1,007)
Other	867	439
Total noninterest income	22,952	16,892
Noninterest expense:
Salaries and employee benefits	31,389	27,364
Occupancy and equipment expense	7,479	6,455
Professional and data processing fees	5,162	5,144
FDIC insurance, other insurance and regulatory fees	2,072	1,970
Loan/lease expense	106	381
Net cost of (income from) and losses/(gains) on operations of other real estate	16	(9)
Advertising and marketing	1,775	1,613
Communication and data connectivity	202	290
Supplies	233	207
Bank service charges	664	596
Correspondent banking expense	333	329
Intangibles amortization	506	661
Payment card processing	508	594
Trust expense	474	357
Other	1,206	587
Total noninterest expense	52,125	46,539
Net income before income taxes	35,811	26,105
Federal and state income tax expense	2,428	308
Net income	$ 33,383	$ 25,797
Basic earnings per common share (in dollars per share)	$ 2	$ 1.53
Diluted earnings per common share (in dollars per share)	$ 1.99	$ 1.52
Weighted average common shares outstanding	16,651,808	16,900,785
Weighted average common and common equivalent shares outstanding	16,741,541	17,013,992
Cash dividends declared per common share	$ 0.1	$ 0.06
Trust fees
Noninterest income:
Revenue	$ 3,894	$ 3,686
Investment advisory and management fees
Noninterest income:
Revenue	1,539	1,254
Deposit service fees
Noninterest income:
Revenue	1,973	2,183
Debit card fees
Noninterest income:
Revenue	1,659	1,488
Correspondent banking fees
Noninterest income:
Revenue	$ 693	$ 614

QCR HOLDINGS INC 10-Q