On its third-quarter 2026 earnings call, held on Oct. 21, 2026, QCR Holdings (NASDAQ:QCRH) reported record earnings per share. High-margin loan originations and effective balance sheet management continue to expand profitability. Three key takeaways stand out for long-term investors. QCR Holdings is changing how it offloads permanent Low-Income Housing Tax Credit (LIHTC) loans, which finance affordable housing projects. Selling these loans directly to third parties avoids complex securitizations. This approach eliminates first-loss risk retention and frees up Common Equity Tier 1 (CET1) capital, a key measure of bank financial resilience.
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