QCR Holdings, Inc. (QCRH) Balance Sheet
QCRH balance sheet, 2025
December 31, 2025 · U.S. dollars$9.58B assets = $8.46B liabilities + $1.11B equity
Both columns are drawn to the same scale: what QCRH owns equals what it owes plus shareholders’ equity. Hover a block for its value.
QCRH financial health
Descriptive bands, not a rating. Fiscal 2025.
QCRH balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $3.30B2016 | $9.58B2025 | +12.6%/yr | |
| Total liabilities | $3.02B2016 | $8.46B2025 | +12.1%/yr | |
| Shareholders’ equity | $286.0M2016 | $1.11B2025 | +16.3%/yr | |
| Cash & short-term investments | $385.6M2016 | $183.5M2025 | −7.9%/yr | |
| Total debt | $375.9M2016 | $617.9M2025 | +5.7%/yr | |
| Net cash (debt) | $9.7M2016 | −$434.4M2025 | −$444.1M | |
| Working capital | −$2.24B2016 | $73.8M2025 | +$2.3B | |
| Book value per share | $22.412016 | $66.382025 | +12.8%/yr | |
| Debt / equity | 1.312016 | 0.562025 | −0.76 | |
| Shares outstanding | 12.8M2016 | 16.8M2025 | +3.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
QCRH assets
QCRH liabilities and equity
QCRH debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
QCRH balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $183.5M | $516.3M | $501.7M | $468.0M | $450.6M | $509.9M | $434.8M | $479.8M | $404.4M | $385.6M |
| Cash & equivalents | $76.5M | $235.2M | $202.0M | $127.1M | $112.8M | $147.9M | $224.1M | $218.7M | $131.5M | $134.5M |
| Short-term investments | $107.0M | $281.1M | $299.7M | $341.0M | $337.8M | $362.0M | $210.7M | $261.1M | $272.9M | $251.1M |
| Receivables | $32.8M | $16.5M | $30.2M | $30.9M | $43.6M | $64.3M | $87.9M | $118.0M | $141.4M | $165.4M |
| Inventory | $0 | $0 | −$6.36B | −$208.4M | −$140.2M | −$157.0M | −$250.0M | −$254.5M | −$175.2M | −$162.3M |
| Other current assets | $0 | $0 | $6.36B | $208.4M | $140.2M | $157.0M | $250.0M | $254.5M | $175.2M | $162.3M |
| Total current assets | $76.5M | $532.8M | $531.9M | $499.0M | $494.3M | $574.1M | $522.7M | $597.7M | $545.8M | $551.1M |
| Property, plant & equipment (net) | $215.4M | $159.2M | $123.3M | $117.9M | $78.5M | $72.7M | $73.9M | $75.6M | $62.8M | $60.6M |
| Goodwill & intangible assets | $146.7M | $149.7M | $152.8M | $154.4M | $83.4M | $85.4M | $89.7M | $95.3M | $37.4M | $20.5M |
| Long-term investments | $1.31B | $1.20B | $1.01B | $928.1M | $810.2M | $4.75B | $3.86B | $3.69B | $2.93B | $2.37B |
| Other non-current assets | $7.82B | $6.98B | $6.73B | $6.25B | $4.63B | $221.3M | $357.9M | $488.2M | $406.4M | $295.0M |
| Total assets | $9.58B | $9.03B | $8.54B | $7.95B | $6.10B | $5.71B | $4.91B | $4.95B | $3.98B | $3.30B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $5.98B | $4.92B | $4.60B | $3.91B | $3.98B | $3.27B | $2.67B |
| Short-term debt | $2.6M | $1.8M | $1.5M | $129.6M | $19.1M | $20.8M | $13.4M | $72.8M | $218.4M | $124.9M |
| Total current liabilities | $2.6M | $7.06B | $6.52B | $6.11B | $4.52B | $4.15B | $3.92B | $4.05B | $2.86B | $2.79B |
| Long-term debt | $635.9M | $567.7M | $716.8M | $482.0M | $377.1M | $386.0M | $106.2M | $109.7M | $103.5M | $113.5M |
| Other long-term liabilities | $7.82B | $397.9M | $420.0M | $580.3M | $0 | $0 | $343.0M | $317.1M | $157.0M | $108.2M |
| Total liabilities | $8.46B | $8.03B | $7.65B | $7.18B | $167.0M | $171.7M | $4.37B | $4.48B | $260.5M | $3.02B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $16.7M | $16.9M | $16.7M | $16.8M | $15.6M | $15.8M | $15.8M | $15.7M | $13.9M | $169.9M |
| Retained earnings (deficit) | $773.4M | $665.2M | $555.0M | $450.1M | $386.1M | $300.8M | $245.8M | $192.2M | $152.0M | $118.6M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | −$1.6M |
| Accumulated other comprehensive income | −$50.6M | −$59.6M | −$56.0M | −$64.9M | $1.6M | $1.4M | −$1.1M | −$5.5M | −$1.7M | −$2.5M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $1.11B | $997.4M | $886.6M | $772.7M | $5.93B | $5.53B | $535.4M | $473.1M | $3.72B | $286.0M |
| Key figures | ||||||||||
| Total debt | $617.9M | $567.7M | $716.8M | $825.9M | $396.2M | $406.7M | $279.0M | $405.0M | $321.9M | $375.9M |
| Net cash (debt) | −$434.4M | −$51.4M | −$215.1M | −$357.9M | $54.4M | $103.2M | $155.9M | $74.8M | $82.5M | $9.7M |
| Working capital | $73.8M | −$6.53B | −$5.98B | −$5.61B | −$4.03B | −$3.58B | −$3.40B | −$3.45B | −$2.32B | −$2.24B |
| Tangible book value | $965.6M | $847.7M | $733.7M | $618.4M | $5.85B | $5.45B | $445.6M | $377.9M | $3.68B | $265.5M |
| Book value per share | $66.38 | $58.81 | $52.57 | $45.75 | $371.86 | $346.86 | $33.53 | $31.41 | $272.08 | $22.41 |
| Shares outstanding | 16.8M | 17.0M | 16.9M | 16.9M | 15.9M | 16.0M | 16.0M | 15.1M | 13.7M | 12.8M |
| Current ratio | 28.87 | 0.08 | 0.08 | 0.08 | 0.11 | 0.14 | 0.13 | 0.15 | 0.19 | 0.20 |
| Quick ratio | 81.62 | 0.08 | 0.08 | 0.08 | 0.11 | 0.14 | 0.13 | 0.15 | 0.19 | 0.20 |
| Debt / equity | 0.56 | 0.57 | 0.81 | 1.07 | 0.07 | 0.07 | 0.52 | 0.86 | 0.09 | 1.31 |
| Equity / assets | 11.6% | 11.1% | 10.4% | 9.7% | 97.3% | 97.0% | 10.9% | 9.6% | 93.5% | 8.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $111.3M | $80.0M | $183.5M | $278.3M | $289.0M | $370.0M | $516.3M | $541.7M | $476.5M | $444.8M | $501.7M | $445.9M |
| Cash & equivalents | $111.3M | $80.0M | $76.5M | $215.4M | $223.5M | $315.8M | $235.2M | $249.8M | $186.3M | $153.9M | $202.0M | $164.6M |
| Short-term investments | $92.7M | $290.1M | $107.0M | $62.9M | $65.5M | $54.2M | $281.1M | $291.9M | $290.2M | $291.0M | $299.7M | $281.3M |
| Receivables | $29.9M | $7.20B | $32.8M | $10.6M | $12.5M | $14.3M | $16.5M | $18.5M | $25.0M | $27.2M | $30.2M | $33.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$7.14B | −$6.67B | −$6.72B | −$6.36B | −$216.3M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $7.14B | $6.67B | $6.72B | $6.36B | $216.3M |
| Total current assets | $111.3M | $80.0M | $76.5M | $77.6M | $301.5M | $384.3M | $532.8M | $560.2M | $501.5M | $472.0M | $531.9M | $479.2M |
| Property, plant & equipment (net) | $236.1M | $225.4M | $215.4M | $193.2M | $181.8M | $166.1M | $159.2M | $147.5M | $141.1M | $133.2M | $123.3M | $118.9M |
| Goodwill & intangible assets | $145.7M | $146.2M | $146.7M | $147.7M | $148.3M | $149.0M | $149.7M | $150.3M | $151.5M | $152.2M | $152.8M | $153.6M |
| Long-term investments | $1.23B | $1.15B | $1.31B | $1.31B | $1.26B | $1.22B | $1.20B | $1.15B | $1.03B | $1.03B | $1.01B | $896.4M |
| Other non-current assets | $7.79B | $8.01B | $7.82B | $7.84B | $7.35B | $7.23B | $6.98B | $7.08B | $7.04B | $6.81B | $6.73B | $6.89B |
| Total assets | $9.52B | $9.61B | $9.58B | $9.57B | $9.24B | $9.15B | $9.03B | $9.09B | $8.87B | $8.60B | $8.54B | $8.54B |
| Liabilities | ||||||||||||
| Short-term debt | $8.9M | $16.9M | $2.6M | $2.9M | $1.4M | $2.0M | $1.8M | $2.8M | $1.6M | $2.7M | $1.5M | $470,000 |
| Total current liabilities | $8.9M | $16.9M | $2.6M | $2.9M | $7.32B | $7.34B | $7.06B | $6.99B | $6.77B | $6.81B | $6.52B | $6.50B |
| Long-term debt | $651.4M | $416.3M | $635.9M | $573.4M | $508.0M | $427.9M | $567.7M | $657.6M | $767.1M | $486.9M | $716.8M | $416.7M |
| Other long-term liabilities | $7.71B | $8.06B | $7.82B | $7.91B | $364.1M | $362.7M | $397.9M | $467.0M | $402.3M | $395.8M | $420.0M | $799.7M |
| Total liabilities | $8.37B | $8.49B | $8.46B | $8.48B | $8.19B | $8.13B | $8.03B | $8.11B | $7.94B | $7.69B | $7.65B | $7.71B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $16.4M | $16.5M | $16.7M | $16.8M | $16.9M | $16.9M | $16.9M | $16.9M | $16.8M | $16.8M | $16.7M | $16.7M |
| Retained earnings (deficit) | $814.5M | $789.9M | $773.4M | $747.3M | $718.0M | $690.0M | $665.2M | $635.6M | $608.8M | $580.7M | $555.0M | $523.1M |
| Accumulated other comprehensive income | −$48.1M | −$52.5M | −$50.6M | −$52.6M | −$60.9M | −$59.2M | −$59.6M | −$49.6M | −$61.7M | −$61.3M | −$56.0M | −$81.3M |
| Total shareholders' equity | $1.15B | $1.12B | $1.11B | $1.09B | $1.05B | $1.02B | $997.4M | $976.6M | $936.3M | $907.3M | $886.6M | $828.4M |
| Key figures | ||||||||||||
| Total debt | $402.3M | $418.3M | $617.9M | $561.8M | $509.4M | $429.9M | $567.7M | $657.6M | $768.7M | $489.6M | $718.3M | $711.7M |
| Net cash (debt) | −$291.0M | −$338.2M | −$434.4M | −$283.5M | −$220.3M | −$59.9M | −$51.4M | −$115.9M | −$292.2M | −$44.8M | −$216.6M | −$265.8M |
| Working capital | $102.4M | $63.1M | $73.8M | $74.7M | −$7.02B | −$6.96B | −$6.53B | −$6.43B | −$6.26B | −$6.34B | −$5.98B | −$6.02B |
| Tangible book value | $1.00B | $976.3M | $965.6M | $939.2M | $902.2M | $873.8M | $847.7M | $826.3M | $784.9M | $755.2M | $733.7M | $674.8M |
| Book value per share | $69.72 | $67.41 | $66.38 | $64.25 | $61.77 | $60.11 | $58.59 | $57.51 | $55.37 | $53.65 | $52.54 | $49.17 |
| Shares outstanding | 16.5M | 16.7M | 16.8M | 16.9M | 17.0M | 17.0M | 17.0M | 17.0M | 16.9M | 16.9M | 16.9M | 16.8M |
| Current ratio | 12.50 | 4.72 | 28.87 | 27.22 | 0.04 | 0.05 | 0.08 | 0.08 | 0.07 | 0.07 | 0.08 | 0.07 |
| Quick ratio | 15.86 | 429.50 | 81.62 | 101.37 | 0.04 | 0.05 | 0.08 | 0.08 | 0.07 | 0.07 | 0.08 | 0.07 |
| Debt / equity | 0.35 | 0.37 | 0.56 | 0.52 | 0.48 | 0.42 | 0.57 | 0.67 | 0.82 | 0.54 | 0.81 | 0.86 |
| Equity / assets | 12.1% | 11.7% | 11.6% | 11.4% | 11.4% | 11.2% | 11.1% | 10.7% | 10.6% | 10.6% | 10.4% | 9.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
QCRH financial position
At the end of fiscal 2025 (December 31, 2025), QCR had total assets of $9.6 billion (up 6.1% from a year earlier), total liabilities of $8.5 billion and shareholders' equity of $1.1 billion. It held $183.5 million in cash and short-term investments against $617.9 million of debt, net debt of $434.4 million. Its current ratio was 28.87. In the latest quarter (ended June 30, 2026) total assets were $9.5 billion and equity $1.1 billion.
Related: QCRH income statement, QCRH cash flow statement, QCRH key metrics. See the QCRH stock overview for the latest quote and news.
QCRH balance sheet FAQ
What are QCR's total assets?
QCR reported total assets of $9.6 billion at the end of fiscal 2025 (December 31, 2025), compared with $9.0 billion a year earlier.
How much debt does QCR have?
QCR had $617.9 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.56.
How much cash does QCR have?
QCR held $183.5 million in cash and short-term investments at the end of fiscal 2025; with $617.9 million of debt that is net debt of $434.4 million.
What is QCR's book value?
QCR's shareholders' equity (book value) was $1.1 billion at the end of fiscal 2025, or $66.38 per share.
What is QCR's current ratio?
QCR had current assets of $76.5 million and current liabilities of $2.6 million, a current ratio of 28.87 (it can cover its short-term obligations).
How much goodwill does QCR have?
QCR carried $146.7 million of goodwill and intangible assets, 1.5% of total assets, at the end of fiscal 2025.