# EDGAR Filing Document

**Accession Number:** 0000906465
**File Stem:** 0001104659-25-070822
**Filing Date:** 2025-7
**Character Count:** 6189
**Document Hash:** bd44161d80c61df3d73e47ff32623bb4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-070822.hdr.sgml**: 20250725

**ACCESSION NUMBER**: 0001104659-25-070822

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20250725

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250725

**DATE AS OF CHANGE**: 20250725

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** QCR HOLDINGS INC
- **CENTRAL INDEX KEY:** 0000906465
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 421397595
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-22208
- **FILM NUMBER:** 251151728

**BUSINESS ADDRESS:**
- **STREET 1:** 3551 7TH STREET
- **CITY:** MOLINE
- **STATE:** IL
- **ZIP:** 61265
- **BUSINESS PHONE:** 3097363580

**MAIL ADDRESS:**
- **STREET 1:** 3551 7TH STREET
- **CITY:** MOLINE
- **STATE:** IL
- **ZIP:** 61265

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** QUAD CITY HOLDINGS INC
- **DATE OF NAME CHANGE:** 19930805

?xml version='1.0' encoding='ASCII'?

**UNITED STATES**

 **SECURITIES AND EXCHANGE COMMISSION**

 **Washington, D.C. 20549**

**Form 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

Date of Report (Date of earliest event Reported): July 25, 2025

**QCR Holdings, Inc.**

(Exact Name of Registrant as Specified in Charter)

---

| | | |
|:---|:---|:---|
| **Delaware** | **0-22208** | **42-1397595** |
| (State or Other Jurisdiction of<br> Incorporation) | (Commission File Number) | (I.R.S. Employer Identification<br> Number) |

---

---

| |
|:---|
| **3551 Seventh Street, Moline, Illinois 61265** |
| (Address of Principal Executive Offices) (Zip Code) |

---

**(309) 736-3584**

(Registrant's telephone number, including area code)

**N/A**

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

◻ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

◻ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

◻ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

◻ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| Common Stock, $1.00 Par Value | QCRH | The Nasdaq Global Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ◻

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ◻

---

| | |
|:---|:---|
| **Item 8.01.** | **Other Events.** |

---

*Redemption of 5.25% Fixed-to-Floating Rate Subordinated Notes due 2030*

On July 25, 2025, QCR Holdings, Inc. (the "<u>Company</u>") issued a notice of full redemption (the "<u>2030 Notice</u>") pursuant to that certain Additional Paying Agent and Co-Registrar Agreement, dated as of September 22, 2020, between Guaranty Federal Bancshares, Inc., as original issuer ("<u>Guaranty</u>"), and Wilmington Trust, National Association, as paying agent and co-registrar ("<u>Wilmington</u>"), as supplemented by that certain First Supplemental to Additional Paying Agent and Co-Registrar Agreement and Note, dated as of April 1, 2022, by and between Wilmington, the Company, as successor issuer, and Guaranty, governing the Company's 5.25% Fixed-to-Floating Rate Subordinated Notes due 2030 (the "<u>2030 Notes</u>").

Pursuant to the 2030 Notice, the Company gave holders of the 2030 Notes notice that it intends to redeem all $20.0 million of the outstanding 2030 Notes on September 30, 2025 (the "<u>2030 Note Redemption Date</u>") at a redemption price equal to 100% of the aggregate principal amount of the 2030 Notes, plus accrued and unpaid interest thereon to, but excluding, the 2030 Note Redemption Date, in an aggregate amount of $20,522,083.

*Redemption of 5.125% Fixed-to-Floating Rate Subordinated Notes due 2030*

On July 25, 2025, the Company issued a notice of full redemption (the "<u>MW Notice</u>") under that certain Subordinated Note Purchase Agreement, dated as of September 14, 2020, by and between the Company and Modern Woodmen of America ("<u>MW</u>"), governing the Company's 5.125% Fixed-to-Floating Rate Subordinated Note due 2030 (the "<u>MW Note</u>").

Pursuant to the MW Notice, the Company gave MW notice that it intends to redeem all $50.0 million of the outstanding MW Note on September 15, 2025 (the "<u>MW Note Redemption Date</u>") at a redemption price equal to 100% of the aggregate principal amount of the MW Note, plus accrued and unpaid interest thereon to, but excluding, the MW Note Redemption Date, in an aggregate amount of $50,633,507.

---

| | |
|:---|:---|
| **Item 9.01.** | **Financial Statements and Exhibits.** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **QCR Holdings, Inc.** | **QCR Holdings, Inc.** |
| Date: July 25, 2025 | By: | /s/ Todd A. Gipple |
|  |  | Todd A. Gipple |
|  |  | President and Chief Executive Officer |

---