QCR Holdings, Inc. is a multi-bank holding company operating four wholly-owned subsidiary banks serving communities across the Midwest, including the Quad Cities, Cedar Rapids, Des Moines, and Springfield regions. The subsidiary banks provide full-service commercial and consumer banking, trust and asset management services, and generate revenue primarily through net interest income from attracting deposits and investing them in loans and securities, supplemented by noninterest income from trust fees, advisory fees, deposit service charges, and loan sales. The Company's lending operations focus on commercial and industrial loans to small and mid-sized businesses, commercial real estate with emphasis on low-income housing tax credit projects, residential real estate mortgages sold in the secondary market, and consumer loans, while competing on relationship-based banking and local market expertise against larger financial institutions and alternative lenders.