QCR Holdings Reports Record Q3 2026 Earnings and Strategic Capital Management
QCR Holdings (QCRH) reported record earnings per share during its third-quarter 2026 earnings call. The company is implementing new strategies for selling Low-Income Housing Tax Credit (LIHTC) loans to third parties, a move designed to reduce complexity and free up Common Equity Tier 1 (CET1) capital by avoiding first-loss risk retention. To manage regulatory constraints, the bank is utilizing strategic loan sales to keep total assets below the $10 billion threshold, which would trigger the Durbin Amendment's debit card fee caps. Management expects to cross this asset threshold in 2027. Additionally, QCR Holdings has successfully completed its third core banking software conversion while maintaining annual non-interest expense growth below 5%, demonstrating strong operational leverage and disciplined digital transformation.
Tickers: $QCRH
Topics: asset management banking technology earnings report loan originations regulatory capital
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