QCR控股發佈2026年投資者簡報 總資產95億美元 五年每股盈利年複合增長14%

EX-99.1
2
qcrh-20260722xex99d1.htm
EX-99.1

Exhibit 99.1

Investor Presentation
June 2026

Special Note Concerning Forward-Looking Statements. This document contains, and future oral and written statements of the Company and its management may contain, forward-looking statements
within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The Company intends such forward-looking
statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of
operations, plans, objectives, future performance and business of the Company. Forward-looking statements, which may be based upon beliefs, expectations and assumptions of the Company’s
management and on information currently available to management, are generally identifiable by the use of words such as “believe,” “expect,” “anticipate,” “bode”, “predict,” “suggest,” “project”, “appear,”
“plan,” “intend,” “estimate,” ”annualize,” “may,” “will,” “would,” “could,” “should,” “likely,” “might,” “potential,” “continue,” “annualized,” “target,” “outlook,” as well as the negative forms of those words, or other
similar expressions. Additionally, all statements in this document, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no obligation to update any
statement in light of new information or future events.
Forward-looking statements are not historical facts but instead represent management’s current expectations and forecasts regarding future events, many of which are inherently uncertain and outside of
our control. Actual results may differ, possibly materially, from those currently expected or projected in these forward-looking statements. 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. A number of factors, many of which
are beyond the ability of the Company to control or predict, could cause actual results to differ materially from those in its forward-looking statements. 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.S. economy resulting from actions taken by federal and local governments, including changes in local, state and federal laws and regulations, the threat or
implementation of tariffs, immigration enforcement and changes in foreign policy; (iii) the economic impact of any future terrorist threats and attacks, widespread disease or pandemics, military conflicts,
acts of war or threats thereof (including the Russian invasion of Ukraine, ongoing conflicts in the Middle East, and other adverse external events that can increase levels of political and economic
unpredictability, contribute to rising energy and commodity prices, affect global supply chains, increase the volatility of financial markets, and other
matters beyond our control, and the response of the local, state and national governments to any such adverse external events; (iv) new or revised accounting policies and practices, as may be adopted
by state and federal regulatory agencies, the FASB, the Securities and Exchange Commission (the “SEC”) or the PCAOB; (v) the imposition of tariffs or other governmental policies impacting the value of
products produced by the Company’s commercial borrowers; (vi) increased competition in the financial services sector, including from non-bank competitors such as credit unions, private credit firms,
fintech companies, and digital asset service providers and the inability to attract new customers; (vii) rapid technological changes implemented by us and our third-party vendors, including the development
and implementation of tools incorporating artificial intelligence; (viii) unexpected results of acquisitions, including failure to realize the anticipated benefits of the acquisitions and the possibility that
transaction and integration costs may be greater than anticipated; (ix) the loss of key executives and employees, talent shortages and employee turnover; (x) changes in consumer spending; (xi)
unexpected outcomes and costs of existing or new litigation or other legal proceedings and regulatory actions involving the Company; (xii) the economic impact on the Company and its customers of
climate change, natural disasters and exceptional weather occurrences such as tornadoes, floods and blizzards; (xiii) fluctuations in the value of securities held in our securities portfolio, including as a
result of changes in interest rates; (xiv) credit risk and risks from concentrations (by type of borrower, geographic area, collateral and industry) within our loan portfolio and large loans to certain borrowers
(including CRE loans); (xv) the overall health of the local and national real estate market; (xvi) the ability to maintain an adequate level of allowance for credit losses on loans; (xvii) the concentration of
large deposits from certain clients who have balances above current FDIC insurance limits and who may withdraw deposits to diversify their exposure; (xviii) the ability to successfully manage liquidity risk,
which may increase dependence on non-core funding sources such as brokered deposits, and may negatively impact the Company’s cost of funds; (xix) the level of non-performing assets on our balance
sheet; (xx) interruptions involving our information technology and communications systems or third-party servicers; (xxi) the occurrence of fraudulent activity, breaches or failures of the Company’s or our
third-party vendors’ information security controls or cybersecurity-related incidents, including as a result of sophisticated attacks using artificial intelligence and similar tools or as a result of insider fraud;
(xxii) emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action, damage our reputation or otherwise materially harm our business or
customers; (xxiii) changes in the interest rates and repayment rates of the Company’s assets; (xxiv) the effectiveness of the Company’s risk management framework; and (xxv) the ability of the Company
to manage the risks associated with the foregoing. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such
statements. Additional information concerning the Company and its business, including additional factors that could materially affect the Company’s financial results, is included in the Company’s filings
with the SEC.
FORWARD-LOOKING STATEMENTS
These slides contain non-GAAP financial measures. For purposes of Regulation G, a non-GAAP financial measure is a numerical measure of the registrant’s historical or future financial performance,
financial position or cash flows that excludes amounts, or is subject to adjustments that have the effect of excluding amounts, that are included in the most directly comparable measure calculated and
presented in accordance with GAAP in the statement of income, balance sheet or statement of cash flows (or equivalent statements) of the issuer; or includes amounts, or is subject to adjustments that
have the effect of including amounts, that are excluded from the most directly comparable measure so calculated and presented. In this regard, GAAP refers to generally accepted accounting principles in
the United States. Pursuant to the requirement of Regulation G, the Company has provided reconciliations within the slides, as necessary, of the non-GAAP financial measure to the most directly
comparable GAAP financial measure. For more details on the Company’s non-GAAP measures, refer to the Company’s Annual Report on Form 10-K for the year ended December 31, 2025.
NON-GAAP FINANCIAL MEASURES

3
Our Vision Guides Us.
Exceptional people providing extraordinary performance for
our clients, shareholders, and communities.
Our Mission Drives Us.
We make financial dreams a reality.
QCR Holdings, Inc. is a Midwest-based bank holding company, established in 1993, with a relationship-driven approach. We consistently
deliver strong returns on average assets (ROAA) and boast a track record of profitable growth. Our unique and diversified noninterest income
sources contribute to our upper quartile performance compared to industry peers.
$9.5 billion
in total assets
$7.7 billion
in Wealth
Management AUM
~1,000
dedicated team
members
35
locations across
3 states.
WHO WE ARE

4
WHY INVEST
Distinct Operating Model
✓ Local charter autonomy attracts the best bankers with customized solutions for clients
✓ Leading market position in demographically attractive and growing mid-sized metros
Consistent Top Tier Financial Performance in Every Interest Rate Environment
✓ ~1.47% adjusted return on average assets over the last five years
✓ Tangible book value and earnings per share growth significantly above proxy peers with additional runway
Diversified Sources of Income
✓ Robust wealth management and capital market income streams complement traditional fee income sources
✓ On average, ~33% of total revenue derived over the past 5 years has been from noninterest income compared to ~23% for Proxy Peers
Disciplined Underwriting and Credit Culture
✓ Centralized credit policy-making ensures corporate best practices and maintains global asset quality of portfolio
✓ Overlapping members of credit committees formalizes institution-wide approach to credit
Strong Management Team
✓ Experienced management team with decades of experience at QCRH in multiple organizational positions
✓ Track record of successfully navigating multiple cycles and integrating prudent acquisitions
Delivering Shareholder Value
✓ Substantial stock price outperformance as compared to Proxy Peers over the short and long term
✓ Room for growth and history of delivering industry leading returns
Source: S&P Capital IQ Pro. Five-year averages from 2021 to 2025.

5
QCR HOLDINGS IS A TOP PERFORMER
Source: S&P Capital IQ Pro
(1) Includes banks and thrifts traded on the NYSE, NYSEAM or NASDAQ as of 4/6/2026; excludes merger targets.
(2) Represents average GAAP ROAA from 2021Y through 2025Y.
(3) Defined as having compounded annual growth in tangible book value per share from 12/31/2015 through 12/31/2025 greater than 10%.
(4) Defined as having compounded annual growth in GAAP earnings per share from 2015 through 2025 greater than 15%.
(5) Represents total shareholder return from 4/6/2016 through 4/6/2026.
10-Year
TSR > 250%(5)
10-Year EPS
CAGR > 15%(4)
10-Year TBVPS CAGR > 10%(3)
5-Year Average ROAA > 1.30%(2)
Exchange Traded Depositories
with Assets Between $1B and $20B(1)
10 Institutions
21 Institutions
52 Institutions
208 Institutions
7 Institutions
(including QCRH)

6
Entity States/Region # Locations Deposits Market Share
Quad City Bank & Trust Iowa/Illinois - Quad Cities 5 $2.3B #1
Cedar Rapids Bank & Trust Iowa -Cedar Rapids 8 $1.9B #1
Guaranty Bank Missouri - Springfield 14 $1.9B #2
Community State Bank Iowa - Des Moines/ Ankeny 9 $1.3B #7
Four distinct operating bank charters, managed by local veteran bankers, governed by local Boards of Directors with customized solutions by market
30% of our revenue was derived from noninterest income, totaling $29 million in Q2 2026
Low-Income Housing Tax Credit (“LIHTC”) Lending
• Generates capital markets revenue from long-term
permanent debt financing
Wealth Management
• Broad scope of services with recent expansion in southwest
Missouri and central Iowa
• $7.7 billion in AUM as of 6/30/2026
Correspondent Banking
• Competitive deposit products
• 188 banking relationships
• Approximately $1.5 billion in liquidity
TRADITIONAL BANKING DIFFERENTIATED BUSINESS LINES
Note: Location, deposit data, and market share as of 6/30/25
DIFFERENTIATED BUSINESS LINES DRIVE OUTSTANDING RESULTS

7
$4.4 B
$7.1 B
2020 2025
$4.6 B
$7.2 B
2020 2025
$4.3 B
$7.2 B
2020 2025
$32.16
$57.86
2020 2025
$3.96
$7.64
2020 2025
WE HAVE BUILT A TRACK RECORD OF GROWTH
(1) Defined as total deposits less brokered deposits.
Adjusted Earnings per Share
14%
CAGR
Tangle Book Value per Share
Loans Core Deposits Assets Under Management (1)
12%
CAGR
11%
CAGR
9%
CAGR
10%
CAGR
6/30/26 YTD annualized: $8.36 6/30/26: $61.35
6/30/26: $7.0B 6/30/26: $7.3B 6/30/26: $7.7B

8
CONSISTENTLY DELIVERING EXCEPTIONAL SHAREHOLDER
RETURNS THROUGH SUSTAINED, LONG-TERM GROWTH
Note: Peer data source S&P Capital IQ Pro. Peers per proxy statement filed 4/9/26. Adjusted earnings per share and tangible book value per share as of 12/31/2025.
(1) Represents stock price changes over the 5-year, 10-year, and 20-year periods ending 6/30/2026.
Adjusted
Earnings Per
Share
Tangible
Book Value
Per Share
Stock Price
Performance(1)
5-Year Growth 10-Year Growth 20-Year Growth
80%
20%
QCRH Proxy Peer Median
208%
89%
QCRH Proxy Peer Median
412%
261%
QCRH Proxy Peer Median
102%
20%
QCRH Proxy Peer Median
258%
95%
QCRH Proxy Peer Median
465%
143%
QCRH Proxy Peer Median
93%
49%
QCRH Proxy Peer Median
284%
122%
QCRH Proxy Peer Median
683%
258%
QCRH Proxy Peer Median

9
QCRH Adjusted EPS ($) Adjusted EPS CAGR (%)
5-year 14.0% 9.2%
10-year 14.4% 7.8%
20-year 14.2% 3.5%
Data as of 12/31/25. (1) KRX calculated as the median of the current 50 KRX constituents as of 6/30/2026.
BUILDING A LONG-TERM EPS TRACK RECORD
QCRH KRX(1)
$0.92
$1.84 $1.79 $1.72
$1.99
$2.31
$2.66
$3.08
$3.66
$3.96
$6.27
$6.80 $6.82
$7.03
$7.64
$0
$3
$6
$9
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

10
Data as of 12/31/25.
QCRH TBVPS ($) TBVPS (%)
5-year 12.5% 5.1%
10-year 11.9% 6.4%
20-year 8.5% 5.3%
KRX(2)
TOP TIER TANGIBLE BOOK VALUE PER SHARE GROWTH
QCRH
(1) TBVPS of $40.68, $47.15, $53.75 and 60.89 for 2022, 2023, 2024 and 2025, respectively, excludes the impact of AOCI.
(2) KRX calculated as the median of the current 50 KRX constituents as of 6/30/2026.
$15.92 $17.08
$14.29
$17.50 $18.81 $20.11
$22.70 $24.04
$28.15
$32.16
$38.02 $36.82
$43.81
$50.21
$57.86
$40.68
$47.15
$53.75
$60.89
$0
$20
$40
$60
$80
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022(1) 2023(1) 2024(1) 2025 (1)

11
Adjusted Net Income/Earnings Per Share
CONSISTENT IMPROVEMENT IN SHAREHOLDER RETURN
Adjusted Net Income CAGR from 2020 – 2025: 15.4%
• Top quartile ROAA and ROAE performance
• Adjusted ROAA grew from 1.13% in 2020 to 1.39% in 2025
• Adjusted ROAE grew from 11.17% in 2020 to 12.19% in 2025
• Adjusted efficiency ratio improved from 66.25% in 2019 to 57.63% in 2025
$63
$100
$115 $115 $119
$130
$3.96
$6.27 $6.80 $6.82 $7.03
$7.64
$0.00
2020 2021 2022 2023 2024 2025
Adjusted Net Income
Adjusted EPS
Data as of 12/31/25

12
Our LIHTC business is unique and offers:
• Strong pipelines built on relationships
• Complexity which creates significant barriers to entry by competitors
• Consistent source of revenue in all economic cycles
• Strategic use of securitization and loan sales for long-term sustainability and growth
LOW-INCOME HOUSING TAX CREDIT ("LIHTC") LENDING
(1) Capital markets revenue includes both LIHTC and traditional swap fee income.
(2) The high-point of the company's current 12-month guidance range is $70 million.
$61.0
$41.3
$91.4
$70.1
$64.7
$26.1
$70.0
$0
$20
$40
$60
$80
$100
2021 2022 2023 2024 2025 6/30/26 (2)
Guidance Fee Income
Capital Markets Revenue (1) ($MM)

13
Borrower /
Low Income Housing Project
Tax Credit Equity
Investors Tax Credits
Equity Investment
QCRH
(Lender) Loan Payments Loan
Strong Borrowers
• Experienced low-income housing developers
• Tax credit investors are primarily other banks and corporate investors
• Back-to-back swaps on 15-year fixed rate loans for clients, while QCRH receives floating rate
Overall Positive Impact
• Helps QCRH manage interest rate risk
• QCRH recognizes capital markets revenue
• Increases the availability of much needed affordable housing
• Significant contributor to CRA efforts
LOW INCOME HOUSING TAX CREDIT LOANS
Providing Municipal and Tax Credit Financing Solutions
Back-to-Back Swap & Capital Markets Revenue

14
Built to last
• Permanent federal program with four decades of
bipartisan support
• Scaled national market supporting repeat, multi-project
developer relationships
Consistent performance through cycles
• ~97 percent national occupancy with strong debt service
coverage
• Stable cash flow across economic environments
Structurally low credit risk
• Negligible cumulative foreclosure history
• Risk profile driven by experienced developers and
program design
Expanding pipelines
• Recent program enhancements expected to increase
affordable housing production
• Reinforces long-term pipelines versus one-time
transactions
LIHTC: A DURABLE, RELATIONSHIP DRIVEN PLATFORM
Long-term Legislative Support, Relationships with the Best Developers, Proven Track Record of Performance

15
LOW INCOME HOUSING TAX CREDIT LOANS
Annual LIHTC Foreclosure Rate vs. Conventional Multifamily Delinquency Rate
• Long track record of strong
performance
• Very low Loan-To-Values
• Extremely low historical
industry-wide defaults
• Cumulative foreclosure rate of
0.19% since program
inception in 1986
Data shown from the Cohn Reznick - Affordable House Credit Study, November 2025
LIHTC Industry Strength Offers:

16
Transaction Highlights
• Executed five LIHTC loan securitizations totaling
$930 million via Freddie Mac programs
• Completed two LIHTC construction loan sales
totaling $447 million to private investors
Strategic Impact
• Provide capacity to grow future LIHTC asset and
capital markets revenue generation
• Enhance liquidity and reduce funding costs
• Maintain the LIHTC portfolio within our
established concentration levels
$1.1
$1.6
$1.7
$2.0
$2.4
$2.3
$0.3
$0.4
$0.3 $0.4
$0.0
$1.0
$2.0
$3.0
2021 2022 2023 2024 2025 6/30/26
Sold
LIHTC
LIHTC SECURITIZATION AND LOAN SALE HIGHLIGHTS
Total LIHTC Loans ($B)
Improved NIM Increased liquidity Strengthened capital Managing $10B threshold

17
$4.2
$3.6
$4.1
$4.9
$5.4
$5.8
$1.2
$1.0
$1.2
$1.4
$1.7
$1.9
$0
$2
$4
$6
$8
2021 2022 2023 2024 2025 6/30/26
Brokerage
/IRA
Trust/Inv
Mgmt
$4.6
$5.3
$6.3
$15.3 $14.5
$15.6
$17.9
$19.9
$22.5
$0
$6
$12
$18
$24
2021 2022 2023 2024 2025 6/30/26 (1)
Assets Under Management ($B) Wealth Management Revenue ($M)
• Diverse wealth management solutions serving a wide range of clients
• Over 1,900 new relationships added over the last five years
• Expanded Wealth Management business to Guaranty Bank charter in Q2 2023 and Community State Bank charter in Q2 2024
CAGR from 2021 – 6/30/26: 9.0%
$5.4
$7.1
CAGR from 2021 – 6/30/26: 8.1%
206 321 340 340
Number of New Client Relationships Added
WEALTH MANAGEMENT SERVICES
Broad scope of services including financial planning, tax and custody services, investment
management, estate consulting and trust administration.
469
$7.7
340 (1)
(1) Annualized

18
$2.3
$3.2
$3.8
$4.9
$5.7
$6.1
$6.7
$8.5
$9.0
$9.5 $9.5
$0.6
$0.3
$0.6
$1.2
$0
$2
$4
$6
$8
$10
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 6/30/26
Acquired Assets
Total Assets
(1) Rockford Bank & Trust assets were removed from this data.
CAGR from 2016 – 6/30/26: 16.0%
Total Consolidated Assets ($B)(1)
STRONG ASSET GROWTH
Strong asset growth has been driven by a combination of organic growth and
strategic acquisitions leading to high performing ROAA.
Asset Distribution by Charter
as of 6/30/26
24%
29%
29%
18%

19
CAGR from 2021 – 6/30/26: 9.4%
Commercial Loans Represent 92% of the Loan Portfolio as of 6/30/26
LOAN GROWTH DRIVEN BY COMMERCIAL LENDING
Loans ($B)
$4.7
$6.1
$6.5
$6.8
$7.2 $7.0
$4.3
$5.7
$6.0 $6.3
$6.6 $6.5
$0
$1
$2
$3
$4
$5
$6
$7
$8
2021 2022 2023 2024 2025 6/30/26
Total Loans
Commercial
Loans

20
DIVERSIFIED LOAN PORTFOLIO
Loan Portfolio Composition ($MM)
$7.0 Billion as of 6/30/26
Construction & Land Development ($MM)
Multi-Family ($MM)
(1) C&I includes direct financing leases
C&I (1)
23%
CRE - OO
8%
CRE - NOO
14% Construction &
Land Dev
17%
Multi-Family
27%
1-4 Family RE
9%
Consumer
2% Multi-familty -
LIHTC
81%
Multi-family -
non LIHTC
19%
Construction
LIHTC
48%
Commercial
Construction
46%
Residential
Construction
1%
Land
Development
5%

21
• CRE is 59% of total loans
• CRE-Office represents only 3% of Total Loans
• 16 CRE-Office loans > $3 million (total of $83 million)
• CRE-Office is primarily smaller facilities (three stories or
less) and located within the QCRH footprint
• Negligible non-performing CRE-Office loans of $2.7
million or 4 basis point of total loans and leases
• Over 99% of all CRE loans are performing
CRE and CRE Office
Key Takeaways:
OUR HIGH-PERFORMING CRE PORTFOLIO
Balances are as of 6/30/26. Percentages are of total loans and leases.
(1) Total CRE is calculated in alignment with regulatory definitions which exclude owner-occupied CRE. Percentages in the chart are as a percent of total loans.
TOTAL CRE(1)
$4.2 Billion
CRE -
Office
5%
CRE - Non-Office
20%
Construction & Land Dev
15%
Multi-Family
9%
LIHTC
37%
LIHTC Construction
14%

22
NPAs / Assets ACL – Loans HFI/Total Loans (%)
Focused on maintaining excellent asset quality:
• Conservative reserves for credit losses
• 55% of NPAs consist of five relationships
• NPA % of total assets well below Company's 20-year historical average.
STRONG CREDIT CULTURE
0.56%
0.27% 0.25%
0.05%
0.11%
0.40%
0.50%
0.45%
0.41%
0.00%
0.30%
0.60%
2018 2019 2020 2021 2022 2023 2024 2025 6/30/26
1.43%
1.33% 1.32% 1.24% 1.24% 1.23% 1.26%1.26% 1.24%
2022 2023 2024 2025 6/30/26
QCRH Proxy Peer Median

23
Core Deposits(1) Represent 98% of Total Deposits
(1) Core deposits are defined as total deposits less brokered deposits.
CONSISTENT DEPOSIT GROWTH
Total Deposits ($B)
CAGR from 2021 – 6/30/26: 9.7%
$4.9
$6.0
$6.6
$7.1 $7.4 $7.4
$4.9
$5.9 $6.2
$6.7
$7.2 $7.3
$0
$3
$6
$9
2021 2022 2023 2024 2025 6/30/26
T ot a l De p osi t s
C or e De p osi t s

24
Balances as of 6/30/26.
TOTAL DEPOSIT COMPOSITION
TOTAL
$7.4 Billion
TOTAL
$7.4 Billion
Treasury Management Solutions
• Local dedicated teams of treasury management specialists
• Market leading client-facing technology
• Comprehensive fraud prevention applications
• Innovative payment and disbursement services
• Cash flow and receivables management
Deposit Composition Deposit Base
DDA
57%
Brokered
2%
Time Deposits
11%
Savings
3%
MMDA
27%
Retail
24%
Commercial
60%
Brokered
2%
Correspondent
14%

25
Successful subordinated debt raises in
2019, 2020 and 2022 bolstered total
risk-based capital
9.87%
7.93%
8.75%
9.55%
10.33% 10.71%
14.77% 14.28% 14.29% 14.10% 14.19% 14.13%
10.76%
9.29% 9.67% 10.03% 10.52% 10.68%
0.00%
8.00%
16.00%
2021 2022 (1) 2023 2024 2025 6/30/26(2)
TCE Ratio TRBC Ratio CET 1
Capital Ratios
(1) Capital ratios impacted in Q2 of 2022 due to Guaranty Bank acquisition.
(2) Our TCE ratio would equal 9.84% if adjusted for net unrealized losses after tax on our HTM bond portfolio. Our TRBC ratio would equal 13.24% if adjusted for AOCI and net unrealized losses after tax on our HTM bond portfolio.
STRENGTHENING THE BALANCE SHEET
FOR FUTURE GROWTH
Lowest dividend payout ratio in peer
group retains capital for strong organic
and M&A growth
Strong earnings and securitizations
expand capital organically

26
M&A STRIKE ZONE
A Disciplined Framework for Evaluating Acquisition Opportunities
Year 1 Net Interest Income Exposure (2)
Market Leadership
• Path to top market share
• Scalable franchise
Compelling Financials
• EPS & ROAA accretive
• Limited TBV dilution
Cultural & Management Fit
• Proven leadership team
• Consistent execution
• Aligned values
Geography
• Current1 or contiguous states
• Operational efficiencies
• Existing brand adjacency
Demographics
• Affluent households
• Population growth
• MSA of 200K - 1MM
Franchise Quality
• $1B - $4B in total assets
• Strong core deposits
• Disciplined credit culture
• Consistent profitability
Market Profitability
• High ROAA markets
• Favorable deposit costs
• Strong banking economics
Business Climate
• GDP growth
• Business formation
• Low unemployment
Growth Opportunities
• Wealth management
• Treasury management
• Diversified revenue streams
(1) Excludes Illinois

27
$445
$594
$481
$607
$782
$673
$867
$1,169
$1,021
$1,281
$1,717
$1,342
$0
$200
$400
$600
$800
$1,000
$1,200
$1,400
$1,600
$1,800
$2,000
Total Loans Total Assets Core Deposits
Pre-Acquisition as of 12/31/15 2021 Projection at Acquisition
Actual as of 12/31/21 Actual as of 12/31/25
Community State Bank – Des Moines, IA ($MM)
THE BENEFITS OF THE QCRH M&A MODEL
$5.5
$9.1
$12.8
$19.6
$0
$2
$4
$6
$8
$10
$12
$14
$16
$18
$20
Net Income
11.2%
CAGR
11.2%
CAGR
10.8%
CAGR
13.5%
CAGR