QCR Holdings
A U.S. bank holding company serving commercial, consumer, wealth-management, and related financial-services customers in the Midwest.
Last updated August 25, 2026
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Overview
QCR Holdings, Inc. is a publicly traded U.S. bank holding company headquartered in Moline, Illinois. Established in 1993, it developed as a multi-bank organization focused on relationship-based commercial banking in the Quad Cities and Cedar Rapids markets, while also providing consumer banking, trust and asset-management services, and commercial leasing. Its operating model is based on wholly owned subsidiary banks that retain strong local identities and concentrate on the financial needs of businesses, institutions, professionals, families, and communities in the Midwest. The group’s principal banking operations include Quad City Bank and Trust, based in Bettendorf, Iowa, and Cedar Rapids Bank and Trust, based in Cedar Rapids, Iowa. Quad City Bank and Trust began operations in 1994, shortly after QCR Holdings was formed, while Cedar Rapids Bank and Trust commenced operations in 2001. These institutions provide core deposit and lending products, including commercial loans, real-estate finance, consumer credit, treasury-management services, and other banking services. Through its broader organization, QCR Holdings also offers trust, investment, and asset-management capabilities. QCR Holdings has expanded and adjusted its geographic footprint through acquisitions and divestitures. It operated First Wisconsin Bank & Trust in Milwaukee, Wisconsin, which began operations in 2006; the company later agreed to sell that subsidiary to National Bancshares, Inc. near the end of 2008. QCR Holdings also operated Rockford Bank and Trust in Illinois before agreeing in 2019 to sell it to Illinois Bank & Trust, a subsidiary of Heartland Financial USA, Inc. The transaction closed on November 30, 2019, and the operating systems conversion was completed on February 7, 2020. In 2022, QCR Holdings expanded through the acquisition of Guaranty Federal Bancshares. In addition to its bank subsidiaries, the company has engaged in commercial leasing through a subsidiary based in Milwaukee. This broader platform allows QCR Holdings to serve businesses with lending, deposits, cash-management, leasing, and fiduciary or investment services rather than relying solely on traditional branch banking. Its positioning is that of a regional banking group with local-market relationships and specialized commercial-finance capabilities, rather than a nationwide consumer-bank brand. QCR Holdings’ publicly traded shares use the ticker QCRH. The company’s public identity is closely connected to the local bank brands through which customers interact with the organization. Available reference material identifies the company as active and headquartered in Moline, Illinois, with its principal activities concentrated in Midwestern U.S. communities.
History
QCR Holdings was established in 1993 as a bank holding company serving communities in and around the Quad Cities of Illinois and Iowa. Its initial operating platform was Quad City Bank and Trust, which began operations in 1994 and is based in Bettendorf, Iowa. The organization’s structure combined a holding-company framework with locally focused subsidiary-bank operations, allowing the group to provide commercial and consumer banking while maintaining market-specific customer relationships. The company broadened its regional presence in 2001 when Cedar Rapids Bank and Trust began operations in Cedar Rapids, Iowa. This added a second principal community-banking market and reinforced QCR Holdings’ concentration on commercial customers and local institutions in eastern Iowa and western Illinois. In addition to banking, the company developed trust and asset-management activities, enabling it to serve investment, fiduciary, and wealth-management needs alongside lending and deposit services. QCR Holdings also pursued activities outside its core Quad Cities and Cedar Rapids banking markets. Its subsidiaries included a commercial-leasing operation in Milwaukee, Wisconsin, and First Wisconsin Bank & Trust, which commenced operations in 2006. Near the end of 2008, QCR Holdings entered into an agreement to sell First Wisconsin Bank & Trust to National Bancshares, Inc. The divestiture reduced the company’s direct presence in Milwaukee while reflecting the continuing adjustment of its subsidiary portfolio. The group later operated Rockford Bank and Trust in Illinois. On August 13, 2019, QCR Holdings announced an agreement to sell that subsidiary to Illinois Bank & Trust, which was owned by Heartland Financial USA, Inc. The transaction closed on November 30, 2019. The acquired bank’s systems conversion was completed on February 7, 2020, marking the operational completion of the transfer. In 2022, QCR Holdings acquired Guaranty Federal Bancshares, adding another banking business to its organization and continuing the company’s use of acquisitions to develop its regional platform. Across its history, QCR Holdings has combined organic banking operations with selective portfolio changes. Its business scope includes commercial and consumer banking, deposit gathering, lending, fiduciary and asset-management services, and commercial leasing. The group’s customer-facing identity is primarily expressed through its subsidiary banks, while QCR Holdings provides the public holding-company structure and manages the overall organization. The company remains headquartered in Moline, Illinois, and its activities are principally associated with Midwestern U.S. communities. Its strategy, as reflected in the available reference material, is centered on regional relationship banking rather than a nationwide branch network. QCR Holdings is publicly listed under the ticker QCRH.
- 2022
Guaranty Federal Bancshares acquisition
[1]QCR Holdings acquires Guaranty Federal Bancshares.
- 2020
Rockford systems conversion is completed
[1]The systems conversion associated with the Rockford Bank and Trust sale is completed on February 7.
- 2019
Agreement to sell Rockford Bank and Trust
[1]QCR Holdings announces the sale of Rockford Bank and Trust to Illinois Bank & Trust, a Heartland Financial USA subsidiary.
- 2008
Agreement to sell First Wisconsin Bank & Trust
[1]QCR Holdings agrees to sell its Milwaukee subsidiary to National Bancshares, Inc.
- 2006
First Wisconsin Bank & Trust begins operations
[1]The company’s Milwaukee subsidiary, First Wisconsin Bank & Trust, commences operations.
- 2001
Cedar Rapids Bank and Trust begins operations
[1]QCR Holdings adds a Cedar Rapids, Iowa banking operation.
- 1994
Quad City Bank and Trust begins operations
[1]The group’s Quad Cities subsidiary bank begins operations from Bettendorf, Iowa.
- 1993
QCR Holdings is founded
[1]QCR Holdings is established as a bank holding company headquartered in Moline, Illinois.
Products and positioning
A relationship-oriented regional bank holding company focused on commercial banking, community banking, wealth management, and related financial services in Midwestern U.S. markets.
Banking
Commercial banking
Commercial banking is a central part of QCR Holdings’ operating model. Through its subsidiary banks, the group serves businesses and institutions with lending, deposit, and relationship-management services. The available reference material identifies the company as focused on the Quad Cities and Cedar Rapids communities, with a regional approach rather than a nationwide consumer-banking footprint.
Banking
Consumer banking
QCR Holdings provides consumer banking through its subsidiary-bank network. The offering encompasses personal banking relationships and related deposit and credit services, although the available reference material does not specify a complete product catalog. Consumer services complement the company’s stronger commercial and community-banking orientation.
Wealth management
Trust and asset management
Trust and asset-management services extend QCR Holdings’ role beyond deposits and lending. These capabilities support fiduciary, investment, and wealth-management needs for individuals, families, institutions, and other customers served by the subsidiary banks. Specific investment products and assets under management are not identified in the supplied reference material.
Commercial finance
Commercial leasing
The company has engaged in commercial leasing through a subsidiary based in Milwaukee, Wisconsin. Leasing provides an additional form of equipment and business financing alongside conventional commercial loans. The supplied sources confirm the activity but do not provide further detail on the subsidiary’s current name, product range, or scale.
Brand decisions
2022
Acquisition of Guaranty Federal BancsharesM&ABackground
QCR Holdings continued to develop its regional banking platform through selective expansion.
Action taken
The company acquired Guaranty Federal Bancshares.
Aftermath
The acquisition expanded QCR Holdings’ banking organization. The supplied reference material does not provide transaction terms, operating details, or integration milestones.
2019
Sale of Rockford Bank and TrustM&ABackground
QCR Holdings operated Rockford Bank and Trust in Illinois as part of its regional banking organization.
Action taken
On August 13, 2019, QCR Holdings announced an agreement to sell Rockford Bank and Trust to Illinois Bank & Trust, a subsidiary of Heartland Financial USA, Inc.
Aftermath
The sale closed on November 30, 2019, and the bank’s systems conversion was completed on February 7, 2020.
2008
Divestiture of First Wisconsin Bank & TrustM&ABackground
QCR Holdings had operated First Wisconsin Bank & Trust in Milwaukee, Wisconsin, which began operations in 2006.
Action taken
The company signed an agreement to sell the subsidiary to National Bancshares, Inc. near the end of 2008.
Aftermath
The transaction reduced QCR Holdings’ direct subsidiary-bank presence in Milwaukee. The supplied sources do not provide financial terms or additional post-transaction details.
Recent events
- 2022
QCR Holdings acquires Guaranty Federal Bancshares[1]
M&A
QCR Holdings expanded its banking organization through the acquisition of Guaranty Federal Bancshares.
- 2019
QCR Holdings agrees to sell Rockford Bank and Trust[1]
M&A
QCR Holdings announced an agreement to sell Rockford Bank and Trust to Illinois Bank & Trust, a Heartland Financial USA subsidiary, on August 13, 2019. The sale closed on November 30, 2019, followed by systems conversion on February 7, 2020.
- 2008
QCR Holdings agrees to sell First Wisconsin Bank & Trust[1]
M&A · Other
QCR Holdings signed an agreement to sell its Milwaukee subsidiary, First Wisconsin Bank & Trust, to National Bancshares, Inc. The transaction represented a divestiture from the company’s Midwest banking portfolio.
Sources2 sources
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