QCR (QCRH) 10-Q8 Aug 222022 Q2 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2022	Aug. 01, 2022
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Jun. 30, 2022
Entity File Number	0-22208
Entity Registrant Name	QCR HOLDINGS, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	42-1397595
Entity Address, Address Line One	3551 7th Street
Entity Address, City or Town	Moline
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	61265
City Area Code	309
Local Phone Number	736-3580
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, $1.00 Par Value
Trading Symbol	QCRH
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding (in shares)		17,067,732
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Entity Central Index Key	0000906465
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 92,379	$ 37,490
Federal funds sold	2,150	12,370
Interest-bearing deposits at financial institutions	54,382	75,292
Securities held to maturity, at amortized cost, net of allowance for credit losses	508,505	472,385
Securities available for sale, at fair value	371,413	337,830
Total securities	879,918	810,215
Loans receivable held for sale	1,186	3,828
Loans/leases receivable held for investment	5,796,717	4,676,304
Gross loans/leases receivable	5,797,903	4,680,132
Less allowance for credit losses	(92,425)	(78,721)
Net loans/leases receivable	5,705,478	4,601,411
Bank-owned life insurance	95,220	62,424
Premises and equipment, net	115,023	78,530
Restricted investment securities	41,928	19,353
Other real estate owned, net	205
Goodwill	137,607	74,066
Intangibles	18,333	9,349
Derivatives	97,455	222,220
Other assets	152,863	93,412
Total assets	7,392,941	6,096,132
Liabilities and Stockholders' Equity
Noninterest-bearing	1,514,005	1,268,788
Interest-bearing	4,306,652	3,653,984
Total deposits	5,820,657	4,922,772
Short-term borrowings	1,070	3,800
Federal Home Loan Bank advances	400,000	15,000
Subordinated notes	133,562	113,850
Junior subordinated debentures	48,534	38,155
Derivatives	113,305	225,135
Other liabilities	132,675	100,410
Total liabilities	6,649,803	5,419,122
Stockholders' Equity:
Preferred stock, $1 par value; shares authorized 250,000 June 2022 and December 2021 - no shares issued or outstanding
Common stock, $1 par value; shares authorized 20,000,000 June 2022 - 17,064,347 shares issued and outstanding December 2021 - 15,613,460 shares issued and outstanding	17,064	15,613
Additional paid-in capital	375,358	273,768
Retained earnings	400,790	386,077
Accumulated other comprehensive income (loss):
Securities available for sale	(34,787)	5,925
Derivatives	(15,287)	(4,373)
Total stockholders' equity	743,138	677,010
Total liabilities and stockholders' equity	$ 7,392,941	$ 6,096,132

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Jun. 30, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, authorized (in shares)	250,000	250,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, authorized (in shares)	20,000,000	20,000,000
Common stock, issued (in shares)	17,064,347	15,613,460
Common stock, outstanding (in shares)	17,064,347	15,613,460

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest and dividend income:
Loans/leases, including fees	$ 59,804	$ 42,448	$ 104,000	$ 83,781
Securities:
Taxable	3,090	2,132	5,488	4,174
Nontaxable	4,645	4,052	8,795	7,986
Interest-bearing deposits at financial institutions	169	34	204	71
Restricted investment securities	485	237	766	456
Federal funds sold	12		14
Total interest and dividend income	68,205	48,903	119,267	96,468
Interest expense:
Deposits	5,524	3,235	8,661	6,662
Short-term borrowings	3	2	3	3
Federal Home Loan Bank advances	781	16	863	25
Subordinated notes	1,816	1,570	3,370	3,164
Junior subordinated debentures	681	564	1,237	1,123
Total interest expense	8,805	5,387	14,134	10,977
Net interest income	59,400	43,516	105,133	85,491
Provision for credit losses	11,200		8,284	6,713
Net interest income after provision for loan/lease losses	48,200	43,516	96,849	78,778
Noninterest income:
Revenue	90,987	68,199	157,682	139,253
Gains on sales of residential real estate loans, net	809	1,184	1,302	2,521
Gains on sales of government guaranteed portions of loans, net			19
Swap fee income/capitals markets revenue	13,004	9,568	19,426	23,125
Securities losses, net		(88)		(88)
Earnings on bank-owned life insurance	350	451	696	922
Other	1,173	1,449	2,688	3,135
Total noninterest income	22,782	19,296	38,415	42,785
Noninterest expenses:
Salaries and employee benefits	29,972	23,044	53,599	47,891
Occupancy and equipment expense	5,978	3,965	9,915	8,073
Professional and data processing fees	4,365	3,702	8,036	7,145
Acquisition costs	1,973		3,824
Post-acquisition compensation, transition and integration costs	4,796		4,796
Disposition costs				8
FDIC insurance, other insurance and regulatory fees	1,394	986	2,704	2,051
Loan/lease expense	761	457	1,028	757
Net cost of (income from) and gains/losses on operations of other real estate	59	(113)	58	(74)
Advertising and marketing	1,198	853	1,959	1,480
Bank service charges	610	572	1,151	1,095
Correspondent banking expense	213	198	412	398
Intangibles amortization	787	508	1,280	1,016
Other	2,142	1,503	3,811	3,063
Total noninterest expenses	54,248	35,675	92,573	72,903
Net income before income taxes	16,734	27,137	42,691	48,660
Federal and state income tax expense	1,492	4,788	3,825	8,329
Net income	$ 15,242	$ 22,349	$ 38,866	$ 40,331
Basic earnings per common share	$ 0.88	$ 1.41	$ 2.36	$ 2.55
Diluted earnings per common share	$ 0.87	$ 1.39	$ 2.33	$ 2.52
Weighted average common shares outstanding	17,345,324	15,813,932	16,485,218	15,808,788
Weighted average common and common equivalent shares outstanding	17,549,107	16,045,239	16,700,682	16,035,394
Cash dividends declared per common share	$ 0.06	$ 0.06	$ 0.12	$ 0.12
Trust department fees
Noninterest income:
Revenue	$ 2,497	$ 2,848	$ 5,460	$ 5,649
Investment advisory and management fees
Noninterest income:
Revenue	983	1,039	2,019	1,979
Deposit service fees
Noninterest income:
Revenue	2,223	1,492	3,778	2,900
Debit card fees
Noninterest income:
Revenue	1,499	1,084	2,506	2,059
Correspondent banking fees
Noninterest income:
Revenue	$ 244	$ 269	$ 521	$ 583

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 15,242	$ 22,349	$ 38,866	$ 40,331
Other comprehensive income (loss):
Unrealized holding gains (losses) arising during the period before tax	(24,575)	4,663	(53,745)	(1,096)
Less reclassification adjustment for losses included in net income before tax		(88)		(88)
Unrealized gains (losses) on securities available for sale	(24,575)	4,751	(53,745)	(1,008)
Unrealized holding gains (losses) arising during the period before tax	(7,414)	492	(14,272)	3,725
Less reclassification adjustment for caplet amortization before tax	(241)	(163)	(462)	(314)
Unrealized gains (losses) on derivatives	(7,173)	655	(13,810)	4,039
Other comprehensive income (loss), before tax	(31,748)	5,406	(67,555)	3,031
Tax expense (benefit)	(7,462)	1,227	(15,929)	603
Other comprehensive income (loss), net of tax	(24,286)	4,179	(51,626)	2,428
Comprehensive income (loss)	$ (9,044)	$ 26,528	$ (12,760)	$ 42,759

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Total
Balance (Accounting Standards Update 2016-13) at Dec. 31, 2020			$ (937)		$ (937)
Balance at Dec. 31, 2020	$ 15,806	$ 275,807	300,804	$ 1,376	593,793
Net income			17,982		17,982
Other comprehensive (loss), net of tax				(1,751)	(1,751)
Common cash dividends declared			(949)		(949)
Stock-based compensation expense		841			841
Issuance of common stock under employee benefit plans	38	(298)			(260)
Balance at Mar. 31, 2021	15,844	276,350	316,900	(375)	608,719
Balance (Accounting Standards Update 2016-13) at Dec. 31, 2020			(937)		(937)
Balance at Dec. 31, 2020	15,806	275,807	300,804	1,376	593,793
Net income					40,331
Other comprehensive (loss), net of tax					2,428
Balance at Jun. 30, 2021	15,764	275,485	335,424	3,803	630,476
Balance at Mar. 31, 2021	15,844	276,350	316,900	(375)	608,719
Net income			22,349		22,349
Other comprehensive (loss), net of tax				4,179	4,179
Common cash dividends declared			(951)		(951)
Repurchase and cancellation of shares of common stock as a result of share repurchase program	(100)	(1,826)	(2,874)		(4,800)
Stock-based compensation expense		520			520
Issuance of common stock under employee benefit plans	20	440			460
Balance at Jun. 30, 2021	15,764	275,485	335,424	3,803	630,476
Balance at Dec. 31, 2021	15,613	273,768	386,077	1,552	677,010
Net income			23,624		23,624
Other comprehensive (loss), net of tax				(27,340)	(27,340)
Common cash dividends declared			(939)		(939)
Repurchase and cancellation of shares of common stock as a result of share repurchase program	(77)	(1,338)	(3,000)		(4,415)
Stock-based compensation expense		751			751
Issuance of common stock under employee benefit plans	44	(811)			(767)
Balance at Mar. 31, 2022	15,580	272,370	405,762	(25,788)	667,924
Balance at Dec. 31, 2021	15,613	273,768	386,077	1,552	677,010
Net income					38,866
Other comprehensive (loss), net of tax					(51,626)
Balance at Jun. 30, 2022	17,064	375,358	400,790	(50,074)	743,138
Balance at Mar. 31, 2022	15,580	272,370	405,762	(25,788)	667,924
Net income			15,242		15,242
Other comprehensive (loss), net of tax				(24,286)	(24,286)
Common cash dividends declared			(1,059)		(1,059)
Issuance of shares of common stock as a result of the acquisition	2,071	115,143			117,214
Repurchase and cancellation of shares of common stock as a result of share repurchase program	(603)	(13,258)	(19,155)		(33,016)
Stock-based compensation expense		545			545
Issuance of common stock under employee benefit plans	16	558			574
Balance at Jun. 30, 2022	$ 17,064	$ 375,358	$ 400,790	$ (50,074)	$ 743,138

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended
	Jun. 30, 2022	Mar. 31, 2022	Jun. 30, 2021	Mar. 31, 2021
Cash dividends declared per common share	$ 0.06		$ 0.06
Retained Earnings [Member]
Cash dividends declared per common share	$ 0.06	$ 0.06	$ 0.06	$ 0.06
Common Stock [Member]
Repurchase and cancellation of common stock as a result of share repurchase program (in shares)	602,500	77,500	100,000
Issuance of shares of common stock as a result of the acquisition, net of issuance cost (in shares)	2,071,291

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2022	Jun. 30, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income		$ 38,866	$ 40,331
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation		3,619	2,701
Provision for credit losses	$ 11,200	8,284	6,713
Stock-based compensation expense		1,296	1,361
Deferred compensation expense accrued		1,939	2,302
Gains on other real estate owned, net			(389)
Amortization of premiums on securities, net		575	1,092
Caplet amortization		462	314
Mark to market gains on unhedged derivatives, net		(1,338)	(91)
Securities losses, net			88
Loans originated for sale		(53,057)	(115,649)
Proceeds on sales of loans		60,235	117,469
Gains on sales of residential real estate loans	(809)	(1,302)	(2,521)
Gains on sales of government guaranteed portions of loans		(19)
(Gains) losses on sales and disposals of premises and equipment		60	(22)
Amortization of intangibles	787	1,280	1,016
Accretion of acquisition fair value adjustments, net		(1,813)	(795)
Increase in cash value of bank-owned life insurance		(696)	(922)
Increase in other assets		(19,837)	(14,322)
Increase (decrease) in other liabilities		15,076	(5,941)
Net cash provided by operating activities		53,630	32,735
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in federal funds sold		10,220	7,740
Net (increase) decrease in interest-bearing deposits at financial institutions		38,044	(844)
Proceeds from sales of other real estate owned			1,407
Activity in securities portfolio:
Purchases		(134,700)	(108,565)
Calls, maturities and redemptions		18,111	70,539
Paydowns		24,166	40,395
Sales		111,375	23,874
Activity in restricted investment securities:
Purchases		(22,514)	(2,280)
Redemptions		2,159	46
Net increase in loans/leases originated and held for investment		(314,744)	(170,969)
Purchase of premises and equipment		(23,965)	(4,773)
Proceeds from sales of premises and equipment		50	22
Net cash acquired from acquisition		144,973
Net cash used in investing activities		(146,825)	(143,408)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposit accounts		(178,688)	89,798
Net increase (decrease) in short-term borrowings		(2,730)	1,640
Activity in Federal Home Loan Bank advances:
Net change in short-term and overnight advances		385,000	25,000
Prepayments		(16,000)
Activity in other borrowings:
Prepayments of subordinated notes			(5,000)
Payment of cash dividends on common stock		(1,874)	(1,896)
Proceeds (payment) from issuance of common stock, net		(193)	200
Repurchase and cancellation of shares		(37,431)	(4,800)
Net cash provided by financing activities		148,084	104,942
Net increase (decrease) in cash and due from banks		54,889	(5,731)
Cash and due from banks, beginning		37,490	61,329
Cash and due from banks, ending	92,379	92,379	55,598
Supplemental disclosure of cash flow information, cash payments (receipts) for:
Interest		13,779	12,257
Income/franchise taxes		(190)	21,310
Supplemental schedule of noncash investing activities:
Change in accumulated other comprehensive income, unrealized losses on securities available for sale and derivative instruments, net		(51,626)	2,427
Transfers of loans to other real estate owned		150	2,812
Due to broker for purchases of securities			1,000
Decrease in the fair value of back-to-back interest rate swap assets and liabilities		(131,410)	(31,297)
Dividends payable		1,059	$ 951
ASSETS
Cash and due from banks	171,844	171,844
Interest-bearing deposits at financial institutions	17,134	17,134
Securities	143,017	143,017
Loans/leases receivable, net	801,697	801,697
Bank-owned life insurance	32,100	32,100
Premises and equipment	16,257	16,257
Restricted investment securities	2,220	2,220
Other real estate owned	55	55
Intangibles	10,264	10,264
Other assets	23,685	23,685
Total assets acquired	1,218,273	1,218,273
LIABILITIES
Deposits	1,076,573	1,076,573
FHLB advances	16,000	16,000
Subordinated debentures	19,621	19,621
Junior subordinated debentures	10,310	10,310
Other liabilities	15,225	15,225
Total liabilities assumed	1,137,729	1,137,729
Net assets acquired	$ 80,544	80,544
Additional Cash Flow Elements and Supplemental Cash Flow Information [Abstract]
Cash paid		26,871
Common stock		117,214
Total consideration paid		144,085
Goodwill		63,541
Net cash paid		$ 144,973

Note 1 - SUMMARY OF SIGNIFICANT

Note 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
Note 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Jun. 30, 2022
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of presentation The financial information of the Company included herein has been prepared in accordance with GAAP for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. Any differences appearing between the numbers presented in financial statements and management's discussion and analysis are due to rounding. The results of the interim period ended June 30, 2022 are not necessarily indicative of the results expected for the year ending December 31, 2022, or for any other period. The acronyms and abbreviations identified below are used throughout this Quarterly Report on Form 10-Q. It may be helpful to refer back to this page as you read this report. Allowance: Allowance for credit losses GB: Guaranty Bank, formerly known as Springfield First AOCI: Accumulated other comprehensive income (loss) Community Bank ASC: Accounting Standards Codification GFED: Guaranty Federal Bancshares, Inc. ASU: Accounting Standards Update HTM: Held to maturity Bates Companies: Bates Financial Advisors, Inc., Bates LIBOR: London Inter-Bank Offered Rate Financial Services, Inc., Bates Securities, Inc. and LIHTC: Low-income housing tax credit Bates Financial Group, Inc. m2: m2 Equipment Finance, LLC BOLI: Bank-owned life insurance NIM: Net interest margin Caps: Interest rate cap derivatives NPA: Nonperforming asset CARES Act: Coronavirus Aid, Relief and Economy NPL: Nonperforming loan Security Act OBS: Off-balance sheet CECL: Current Expected Credit Losses OREO: Other real estate owned Community National: Community National Bancorporation OTTI: Other-than-temporary impairment COVID-19: Coronavirus Disease 2019 PCAOB: Public Company Accounting Oversight Board CRBT: Cedar Rapids Bank & Trust Company PCD: Purchased credit deteriorated loan CRE: Commercial real estate PCI: Purchased credit impaired CSB: Community State Bank PPP: Paycheck Protection Program C&I: Commercial and industrial Provision: Provision for credit losses EBA: Excess balance account QCBT: Quad City Bank & Trust Company EPS: Earnings per share ROAA: Return on average assets Exchange Act: Securities Exchange Act of 1934, as ROAE: Return on average equity amended SBA: U.S. Small Business Administration FASB: Financial Accounting Standards Board SEC: Securities and Exchange Commission FDIC: Federal Deposit Insurance Corporation SFCB: Springfield First Community Bank Federal Reserve: Board of Governors of the Federal SFG: Specialty Finance Group Reserve System TA: Tangible assets FHLB: Federal Home Loan Bank TCE: Tangible common equity FRB: Federal Reserve Bank of Chicago TDRs: Troubled debt restructurings TEY: Tax equivalent yield The Company: QCR Holdings, Inc. The Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiaries which include the accounts of four commercial banks: QCBT, CRBT, CSB and GB. All are state-chartered commercial banks and all are members of the Federal Reserve system. On April 1, 2022, the Company completed its previously announced acquisition of GFED. See Note 2 to the Consolidated Financial Statements for further discussion. The combined bank changed its name to Guaranty Bank. The Company also engages in direct financing lease contracts through m2, a wholly-owned subsidiary of QCBT. All material intercompany transactions and balances have been eliminated in consolidation. Pending accounting developments Reference Rate Reform Management has assessed the impacts of ASU 2020-04 and the related opportunities and risks involved in the LIBOR transition. In April 2022, the FASB issued ASU 2022-02, Troubled Debt Restructurings and Vintage Disclosures

Note 2 - ACQUISITION

Note 2 - ACQUISITION	6 Months Ended
Note 2 - ACQUISITION	Jun. 30, 2022
ACQUISITION
ACQUISITION	NOTE 2 – ACQUISITION On April 1, 2022, the Company completed its previously announced acquisition of GFED and on April 2, 2022 merged Guaranty Bank into SFCB, the Company’s Springfield-based charter. The combined bank changed its name to Guaranty Bank. Stockholders of GFED received for each share of GFED common stock owned, at the election of each stockholder, subject to proration and adjustment, (1) $30.50 in cash, (2) 0.58775 shares of the Company’s common stock, or (3) mixed consideration of $6.10 in cash and 0.4702 shares of the Company’s common stock. On March 31, 2022, the last trading date before the closing, the Company’s common stock closed at $56.59, resulting in stock consideration valued at $117.2 million and total cash consideration paid by the Company of $26.9 million. The Company funded the cash portion of the purchase price through operating cash. The acquisition of GFED supports the strategic goals of the Company. It allows for increased product and service capabilities of the combined bank and it will result in strong growth in Springfield, MO and its surrounding communities. The Company accounted for the business combination under the acquisition method of accounting in accordance with ASC 805. The Company recognized the full fair value of the assets acquired and liabilities assumed at the acquisition date, net of applicable income tax effects. The Company considers all purchase accounting adjustments as provisional and fair values are subject to refinement for up to one year after the closing date due to timing of third party reports and management’s reviews of reports. The excess of the consideration paid over the fair value of the net assets acquired is recorded as goodwill. This goodwill is not deductible for tax purpose. The fair values of the assets acquired and liabilities assumed including the consideration paid and resulting goodwill is as follows: As of April 1, 2022 (dollars in thousands) ASSETS Cash and due from banks $ 171,844 Interest-bearing deposits at financial institutions 17,134 Securities 143,017 Loans/leases receivable, net 801,697 Bank-owned life insurance 32,100 Premises and equipment 16,257 Restricted investment securities 2,220 Other real estate owned 55 Intangibles 10,264 Other assets 23,685 Total assets acquired $ 1,218,273 LIABILITIES Deposits $ 1,076,573 FHLB advances 16,000 Subordinated notes 19,621 Junior subordinated debentures 10,310 Other liabilities 15,225 Total liabilities assumed $ 1,137,729 Net assets acquired $ 80,544 CONSIDERATION PAID: Cash $ 26,871 Common stock 117,214 Total consideration paid $ 144,085 Goodwill $ 63,541 The Company acquired loans both with and without evidence of credit quality deterioration since origination. Acquired loans are recorded at their fair value at the time of acquisition with no carryover from the acquired institution’s previously recorded allowance for loan and lease losses. Acquired loans are accounted for under ASC 326, Financial Instruments – Credit Losses The fair value of acquired loans recorded at the time of acquisition is based upon several factors, including the timing and payment of expected cash flows, as adjusted for estimated credit losses and prepayments, and then discounting these cash flows using comparable market rates. The resulting fair value adjustment is recorded in the form of a premium or discount to the unpaid principal balance of the respective loans. As it relates to acquired loans that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination (“PCD”), the net premium or net discount is adjusted to reflect the Company’s allowance for credit losses recorded for PCD loans at the time of acquisition, and the remaining fair value adjustment is accreted or amortized into interest income over the remaining life of the respective loans. As it relates to loans not classified as PCD (“non-PCD”) loans, the credit loss and yield components of their fair value adjustment are aggregated, and the resulting net premium or net discount is accreted or amortized into interest income over the remaining life of the respective loans. The Company recorded an accretable discount of $12.0 million on the non-PCD loans. The Company also recorded an ACL for non-PCD loans at the time of acquisition through provision expense of $11.0 million. The carrying amount of loans acquired and classified as PCD is as follows: Guaranty Bank April 1, 2022 (dollars in thousands) Principal balance of PCD loans at acquisition $ 38,711 Allowance for credit losses at acquisition (5,902) Non-credit discount at acquisition (1,366) Fair value of PCD loans at acquisition $ 31,443 Premises and equipment acquired with a fair value of $16.3 million includes sixteen branch locations. The fair value was determined with the assistance of a third party appraiser. The assets and related fair value adjustments will be recognized as an increase in depreciation expense over 39 years. The Company recorded a core deposit intangible totaling $10.3 million which is the portion of the acquisition purchase price that represents the value assigned to the existing deposit base. The core deposit intangible has a finite life and is amortized using an accelerated method over the estimated useful life of the deposits (estimated to be ten years). The following table presents the changes in the carrying amount of core deposit intangibles, gross carrying amount, accumulated amortization, and net book value: June 30, 2022 (dollars in thousands) Balance at acquisition $ 10,264 Amortization expense (294) Balance at the end of the period $ 9,970 Gross carrying amount $ 10,264 Accumulated amortization (294) Net book value $ 9,970 The following presents the remaining estimated amortization of the core deposit intangible: Year ending, December 31, Amount (dollars in thousands) 2022 $ 589 2023 1,162 2024 1,138 2025 1,109 2026 1,076 Thereafter 4,896 $ 9,970 The following table presents the assumed borrowings as of the acquisition date: Amount Rate Terms Maturity Date Collateral (dollars in thousands) FHLB advance 6,500 0.59% monthly interest payments; principal due at maturity 5/15/2023 commercial and residential real estate loans FHLB advance 6,500 0.82% monthly interest payments; principal due at maturity 5/15/2025 commercial and residential real estate loans FHLB advance 3,000 1.12% monthly interest payments; principal due at maturity 5/17/2027 commercial and residential real estate loans Subordinated notes 19,621 5.25% monthly interest payments; principal due at maturity 9/30/2030 unsecured Junior subordinated debentures 10,310 4.09% monthly interest payments; principal due at maturity 2/23/2036 unsecured Fair value of borrowings assumed $ 45,931 The Company prepaid the $16.0 million of FHLB advances in full shortly after closing. During the first six months of 2022, the Company incurred $3.8 million of expenses related to the acquisition, comprised primarily of legal, accounting, investment banking costs and personnel costs and $4.8 million of post-acquisition, compensation, transition and integration costs, comprised primarily of personnel costs, IT integration and data conversion costs related to the acquisition. GB results are included in the consolidated statements of income effective on the acquisition date. Unaudited pro forma combined operating results for the three and six months ended June 30, 2022 and 2021, giving effect to the GFED acquisition as if it had occurred as of January 1, 2021, are as follow: Three Months Ended June 30, For the Six Months Ended June 30, 2022 2021 2022 2021 (dollars in thousands, except per share data) Net interest income $ 59,400 $ 53,324 $ 115,136 $ 104,650 Noninterest income $ 22,782 $ 22,112 $ 40,652 $ 48,216 Net income $ 15,242 $ 25,609 $ 41,365 $ 46,549 Earnings per common share: Basic $ 0.88 $ 1.43 $ 2.23 $ 2.60 Diluted $ 0.87 $ 1.41 $ 2.20 $ 2.57

Note 3 - INVESTMENT SECURITIES

Note 3 - INVESTMENT SECURITIES	6 Months Ended
Note 3 - INVESTMENT SECURITIES	Jun. 30, 2022
Notes to Financial Statements
Investment Securities	NOTE 3– INVESTMENT SECURITIES The amortized cost and fair value of investment securities as of June 30, 2022 and December 31, 2021 are summarized as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost* Gains (Losses) Value (dollars in thousands) June 30, 2022: Securities HTM: Municipal securities $ 507,653 $ 5,359 $ (16,108) $ 496,904 Other securities 1,050 — — 1,050 $ 508,703 $ 5,359 $ (16,108) $ 497,954 Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 22,424 $ 22 $ (1,998) $ 20,448 Residential mortgage-backed and related securities 86,000 42 (4,795) 81,247 Municipal securities 241,074 122 (38,211) 202,985 Asset-backed securities 20,056 112 (212) 19,956 Other securities 47,768 93 (1,084) 46,777 $ 417,322 $ 391 $ (46,300) $ 371,413 * HTM securities shown on the balance sheet of $508.5 million represents amortized cost of $508.7 million, net of allowance for credit losses of $198 thousand as of June 30, 2022. Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) December 31, 2021: Securities HTM: Municipal securities $ 471,533 $ 49,715 $ — $ 521,248 Other securities 1,050 — (1) 1,049 $ 472,583 $ 49,715 $ (1) $ 522,297 Securities AFS: U.S. govt. sponsored agency securities $ 23,370 $ 254 $ (296) $ 23,328 Residential mortgage-backed and related securities 92,431 2,672 (780) 94,323 Municipal securities 163,253 5,228 (215) 168,266 Asset-backed securities 26,372 752 — 27,124 Other securities 24,568 251 (30) 24,789 $ 329,994 $ 9,157 $ (1,321) $ 337,830 * HTM securities shown on the balance sheet of $472.4 million represents amortized cost of $472.6 million, net of allowance for credit losses of $198 thousand as of December 31, 2021. The Company's HTM municipal securities consist largely of private issues of municipal debt. The large majority of the municipalities are located within the Midwest. The municipal debt investments are underwritten using specific guidelines with ongoing monitoring. The Company's residential mortgage-backed and related securities portfolio consists entirely of government sponsored or government guaranteed securities. The Company has not invested in private mortgage-backed securities or pooled trust preferred securities. Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of June 30, 2022 and December 31, 2021, are summarized as follows: Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) June 30, 2022: Securities HTM: Municipal securities $ 68,468 $ (7,786) $ 95,070 $ (8,322) $ 163,538 $ (16,108) Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 16,574 $ (1,359) $ 2,482 $ (639) $ 19,056 $ (1,998) Residential mortgage-backed and related securities 59,731 (2,073) 18,215 (2,722) 77,946 (4,795) Municipal securities 185,244 (37,071) 3,828 (1,140) 189,072 (38,211) Asset-backed securities 10,722 (212) — — 10,722 (212) Other securities 32,950 (1,084) — — 32,950 (1,084) $ 305,221 $ (41,799) $ 24,525 $ (4,501) $ 329,746 $ (46,300) Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) December 31, 2021: Securities HTM: Other securities $ 1,049 $ (1) $ — $ — $ 1,049 $ (1) Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 9,802 $ (156) $ 3,035 $ (140) $ 12,837 $ (296) Residential mortgage-backed and related securities 5,363 (67) 19,406 (713) 24,769 (780) Municipal securities 13,287 (211) 1,001 (4) 14,288 (215) Other securities 4,528 (30) — — 4,528 (30) $ 32,980 $ (464) $ 23,442 $ (857) $ 56,422 $ (1,321) At June 30, 2022, the investment portfolio included 699 securities. Of this number, 463 securities were in an unrealized loss position. The aggregate losses of these securities totaled approximately 6.74% of the total amortized cost of the portfolio. Of these 463 securities, there were 91 The following table presents the activity in the allowance for credit losses for held to maturity securities by major security type for the three and six months ended June 30, 2022 and 2021. Three Months Ended June 30, 2022 Three Months Ended June 30, 2021 Six Months Ended June 30, 2022 Six Months Ended June 30, 2021 Municipal Other Municipal Other Municipal Other Municipal Other securities securities Total securities securities Total securities securities Total securities securities Total Allowance for credit losses: Beginning balance $ 198 $ — $ 198 $ 173 $ 1 $ 174 $ 198 $ — $ 198 $ — $ — $ — Impact of adopting ASU 2016-13 — — — — — — — — — 182 1 183 Provision for credit loss expense — — — — — — — — — (9) — (9) Balance, ending $ 198 $ — $ 198 $ 173 $ 1 $ 174 $ 198 $ — $ 198 $ 173 $ 1 $ 174 All sales of securities for the three and six months ended June 30, 2022 and June 30, 2021 were securities identified as AFS. Three Months Ended Six Months Ended June 30, 2022 June 30, 2021 June 30, 2022 June 30, 2021 Proceeds from sales of securities $ 111,375 $ 4,334 $ 111,375 $ 23,874 Gross gains from sales of securities — — — — Gross losses from sales of securities — (88) — (88) Upon the GFED acquisition, the Company sold a large portion of the acquired securities portfolio to improve the efficiency of the combined balance sheets. The amortized cost and fair value of securities as of June 30, 2022 by contractual maturity are shown below. Expected maturities of residential mortgage-backed and related securities and asset-backed securities may differ from contractual maturities because the residential mortgages underlying the securities may be prepaid without any penalties. Therefore, these securities are not included in the maturity categories in the following table. Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 2,968 $ 2,974 Due after one year through five years 16,632 16,589 Due after five years 489,103 478,391 $ 508,703 $ 497,954 Securities AFS: Due in one year or less $ 6,773 $ 6,772 Due after one year through five years 4,129 4,162 Due after five years 300,364 259,276 311,266 270,210 Residential mortgage-backed and related securities 86,000 81,247 Asset-backed securities 20,056 19,956 $ 417,322 $ 371,413 Portions of the U.S. government sponsored agency securities and municipal securities contain call options, which, at the discretion of the issuer, terminate the security at par and at predetermined dates prior to the stated maturity, summarized as follows: Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 309,349 $ 305,321 Securities AFS: Municipal securities 236,628 198,515 Other securities 46,347 45,405 $ 282,975 $ 243,920 As of June 30, 2022, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 119 issuers with fair values totaling $116.4 million and revenue bonds issued by 185 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $583.5 million. The Company also held investments in general obligation bonds in 22 states, including eight states in which the aggregate fair value exceeded $5.0 million, and in revenue bonds in 29 states, including 12 states in which the aggregate fair value exceeded $5.0 million. As of December 31, 2021, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 113 issuers with fair values totaling $114.5 million and revenue bonds issued by 165 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $575.0 million. The Company also held investments in general obligation bonds in 20 states, including seven Both general obligation and revenue bonds are diversified across many issuers. As of June 30, 2022 and as of December 31, 2021, the Company held revenue bonds of one issuer, located in Ohio, of which the aggregate book or market value exceeded 5% of the Company’s stockholders’ equity. The issuer’s financial condition is strong and the source of repayment is diversified. The Company monitors the investments and concentration closely. Of the general obligation and revenue bonds in the Company's portfolio, the majority are unrated bonds that represent small, private issuances. All unrated bonds were underwritten according to loan underwriting standards and have an average loan risk rating of 2, indicating very high quality. Additionally, many of these bonds are funding essential municipal services such as water, sewer, education, and medical facilities. The Company's municipal securities are owned by the four charters, whose investment policies set forth limits for various subcategories within the municipal securities portfolio. The investments of each charter are monitored individually, and as of June 2022, all were within policy limitations approved by the Company’s board of directors. Policy limits are calculated as a percentage of each charter's total risk-based capital. As of June 30, 2022, the Company's standard monitoring of its municipal securities portfolio had not uncovered any facts or circumstances resulting in significantly different credit ratings than those assigned by a nationally recognized statistical rating organization, or in the case of unrated bonds, the rating assigned using the credit underwriting standards.

Note 4- LOANS LEASES RECEIVABLE

Note 4- LOANS LEASES RECEIVABLE	6 Months Ended
Note 4- LOANS LEASES RECEIVABLE	Jun. 30, 2022
Notes to Financial Statements
LOANS/LEASES RECEIVABLE	NOTE 4 – LOANS/LEASES RECEIVABLE The composition of the loan/lease portfolio as of June 30, 2022 and December 31, 2021 is presented as follows: June 30, 2022 December 31, 2021 (dollars in thousands) C&I: C&I - revolving $ 322,258 $ 248,483 C&I - other * 1,403,689 1,346,602 1,725,947 1,595,085 CRE - owner occupied 628,565 421,701 CRE - non-owner occupied 889,530 646,500 Construction and land development 1,080,372 918,571 Multi-family 860,742 600,412 Direct financing leases 40,050 45,191 1-4 family real estate* 473,141 377,361 Consumer 99,556 75,311 5,797,903 4,680,132 Allowance for credit losses (92,425) (78,721) $ 5,705,478 $ 4,601,411 ** Direct financing leases: Net minimum lease payments to be received $ 43,888 $ 49,362 Estimated unguaranteed residual values of leased assets 165 165 Unearned lease/residual income (4,003) (4,336) 40,050 45,191 Plus deferred lease origination costs, net of fees 387 568 40,437 45,759 Less allowance for credit losses (1,589) (1,546) $ 38,848 $ 44,213 * Includes equipment financing agreements outstanding at m2, totaling $253.4 million and $225.1 million as of June 30, 2022 and December 31, 2021, respectively and PPP loans totaling $79 thousand and $28.2 million as of June 30, 2022 and December 31, 2021, respectively. Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. * Includes residential real estate loans held for sale totaling $1.2 million and $3.8 million as of June 30, 2022 and December 31, 2021, respectively. Included in the amortized cost of the loan portfolio is $13.0 million of remaining discounts on acquired loans. Accrued interest on loans, which is excluded from the amortized cost of loans, totaled $19.4 million and $15.0 million at June 30, 2022 and December 31, 2021, respectively, and was included in other assets on the consolidated balance sheets. The aging of the loan/lease portfolio by classes of loans/leases as of June 30, 2022 and December 31, 2021 is presented as follows: As of June 30, 2022 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I: C&I - revolving $ 322,258 $ — $ — $ — $ — $ 322,258 C&I - other 1,397,799 3,136 1,038 1 1,715 1,403,689 CRE - owner occupied 626,209 — — — 2,356 628,565 CRE - non-owner occupied 882,587 — — — 6,943 889,530 Construction and land development 1,071,748 — 63 — 8,561 1,080,372 Multi-family 860,742 — — — — 860,742 Direct financing leases 38,940 213 43 — 854 40,050 1-4 family real estate 469,737 96 165 267 2,876 473,141 Consumer 99,194 50 43 — 269 99,556 $ 5,769,214 $ 3,495 $ 1,352 $ 268 $ 23,574 $ 5,797,903 As a percentage of total loan/lease portfolio 99.51 % 0.06 % 0.02 % 0.00 % 0.41 % 100.00 % As of December 31, 2021 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I C&I - revolving $ 248,483 $ — $ — $ — $ — $ 248,483 C&I - other 1,337,034 859 7,308 1 1,400 1,346,602 CRE - owner occupied 421,701 — — — — 421,701 CRE - non-owner occupied 646,500 — — — — 646,500 Construction and land development 918,498 — — — 73 918,571 Multi-family 600,412 — — — — 600,412 Direct financing leases 44,174 10 160 — 847 45,191 1-4 family real estate 374,912 1,325 716 — 408 377,361 Consumer 75,272 8 — — 31 75,311 $ 4,666,986 $ 2,202 $ 8,184 $ 1 $ 2,759 $ 4,680,132 As a percentage of total loan/lease portfolio 99.57 % 0.05 % 0.17 % 0.00 % 0.06 % 100.00 % NPLs by classes of loans/leases as of June 30, 2022 and December 31, 2021 are presented as follows: As of June 30, 2022 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 1 1,547 168 1,716 7.20 CRE - owner occupied — 1,859 497 2,356 9.88 CRE - non-owner occupied — 70 6,873 6,943 29.12 Construction and land development — 6,879 1,682 8,561 35.91 Multi-family — — — — - Direct financing leases — 854 — 854 3.58 1-4 family real estate 267 1,575 1,301 3,143 13.18 Consumer — 269 — 269 1.13 $ 268 $ 13,053 $ 10,521 $ 23,842 100.00 % As of December 31, 2021 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 1 1,130 270 1,401 50.77 CRE - owner occupied — — — — - CRE - non-owner occupied — — — — - Construction and land development — 73 — 73 2.64 Multi-family — — — — - Direct financing leases — 115 732 847 30.69 1-4 family real estate — 408 — 408 14.78 Consumer — 31 — 31 1.12 $ 1 $ 1,757 $ 1,002 $ 2,760 100.00 % The Company did not recognize any interest income on nonaccrual loans during the three and six months ended June 30, 2022 and 2021. Changes in the ACL loans/leases by portfolio segment for the three and six months ended June 30, 2022 and 2021, respectively, are presented as follows: Three Months Ended June 30, 2022 CRE CRE Construction 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Family Revolving Other* Occupied Occupied Development Family Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 3,619 $ 25,437 $ 7,897 $ 7,857 $ 14,671 $ 10,336 $ 4,154 $ 815 $ 74,786 Initial ACL recorded for PCD loans 600 7 2,481 1,076 1,100 481 137 20 5,902 Provision 960 2,864 686 3,309 617 1,966 1,222 517 12,141 Charge-offs — (426) — (193) — — — (1) (620) Recoveries — 211 1 — — — — 4 216 Balance, ending $ 5,179 $ 28,093 $ 11,065 $ 12,049 $ 16,388 $ 12,783 $ 5,513 $ 1,355 $ 92,425 Six Months Ended June 30, 2022 CRE CRE Construction 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Family Revolving Other* Occupied Occupied Development Family Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 3,907 $ 25,982 $ 8,501 $ 8,549 $ 16,972 $ 9,339 $ 4,541 $ 930 $ 78,721 Initial ACL recorded for PCD loans 600 7 2,481 1,076 1,100 481 137 20 5,902 Provision** 672 2,533 77 2,489 (1,684) 2,963 835 407 8,292 Charge-offs — (875) — (193) — — — (8) (1,076) Recoveries — 446 6 128 — — — 6 586 Balance, ending $ 5,179 $ 28,093 $ 11,065 $ 12,049 $ 16,388 $ 12,783 $ 5,513 $ 1,355 $ 92,425 * Included within the C&I – Other column are ACL on leases with a beginning balance of $1.5 million, provision of $185 thousand, charge-offs of $109 thousand and recoveries of $48 thousand. ACL on leases was $1.6 million as of June 30, 2022. Provision for the three and six months ended June 30, 2022, included $11.0 million related to the acquired Guaranty Bank non-PCD loans. * Included within the C&I - Other column are ACL on leases with a beginning balance of $1.5 million, provision of $158 thousand, charge-offs of $223 thousand and recoveries of $108 thousand. ACL on leases was $1.6 million as of June 30, 2022. Three Months Ended June 30, 2021 CRE CRE Construction Direct Residential 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Financing Real Family C&I Revolving Other* CRE Occupied Occupied Development Family Leases Estate Real Estate Consumer Total (dollars in thousands) Balance, beginning $ — $ 3,547 $ 33,167 $ — $ 9,147 $ 11,155 $ 12,327 $ 6,278 $ — $ — $ 5,165 $ 1,045 $ 81,831 Provision — (370) (2) — (1,121) (376) 1,313 849 — — (105) (329) (141) Charge-offs — — (998) — — (1,876) — (150) — — (646) (4) (3,674) Recoveries — — 158 — (6) 8 — — — — 511 207 878 Balance, ending $ — $ 3,177 $ 32,325 $ — $ 8,020 $ 8,911 $ 13,640 $ 6,977 $ — $ — $ 4,925 $ 919 $ 78,894 Six Months Ended June 30, 2021 CRE CRE Construction Direct Residential 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Financing Real Family C&I Revolving Other** CRE Occupied Occupied Development Family Leases Estate Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 35,421 $ — $ — $ 42,161 $ — $ — $ — $ — $ 1,764 $ 3,732 $ — $ 1,298 $ 84,376 Adoption of ASU 2016-13 (35,421) 2,982 29,130 (42,161) 8,696 11,428 11,999 5,836 (1,764) (3,732) 5,042 (137) (8,102) Provision — 195 4,547 — (670) (662) 1,641 1,291 — — 56 (546) 5,852 Charge-offs — — (1,666) — — (1,876) — (150) — — (690) (5) (4,387) Recoveries — — 314 — (6) 21 — — — — 517 309 1,155 Balance, ending $ — $ 3,177 $ 32,325 $ — $ 8,020 $ 8,911 $ 13,640 $ 6,977 $ — $ — $ 4,925 $ 919 $ 78,894 * Included within the C&I – Other column are ACL on leases with adoption impact of $2.2 million, negative provision of $144 thousand, charge-offs of $130 thousand and recoveries of $58 thousand. ACL on leases was $2.0 million as of June 30, 2021. ** Included within the C&I – Other column are ACL on leases with a beginning balance of $1.8 million, adoption impact of $685 thousand, negative provision of $279 thousand, charge-offs of $328 thousand and recoveries of $134 thousand. ACL on leases was $2.0 million as of June 30, 2021. The composition of the ACL loans/leases by portfolio segment based on evaluation method are as follows: As of June 30, 2022 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I - revolving $ 3,458 $ 318,800 $ 322,258 $ 933 $ 4,246 $ 5,179 C&I - other* 12,569 1,431,170 1,443,739 2,410 25,683 28,093 16,027 1,749,970 1,765,997 3,343 29,929 33,272 CRE - owner occupied 24,440 604,125 628,565 3,046 8,019 11,065 CRE - non-owner occupied 28,618 860,912 889,530 826 11,223 12,049 Construction and land development 18,986 1,061,386 1,080,372 1,669 14,719 16,388 Multi-family 1,300 859,442 860,742 393 12,390 12,783 1-4 family real estate 4,978 468,163 473,141 418 5,095 5,513 Consumer 609 98,947 99,556 59 1,296 1,355 $ 94,958 $ 5,702,945 $ 5,797,903 $ 9,754 $ 82,671 $ 92,425 * Included within the C&I – Other category are leases individually evaluated of $854 thousand with a related allowance for credit losses of $351 thousand and leases collectively evaluated of $39.3 million with a related allowance for credit losses of $1.2 million. As of December 31, 2021 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I - revolving $ 2,638 $ 245,845 $ 248,483 $ 168 $ 3,739 $ 3,907 C&I - other* 13,456 1,378,337 1,391,793 743 25,239 25,982 16,094 1,624,182 1,640,276 911 28,978 29,889 CRE - owner occupied 3,841 417,860 421,701 1,264 7,237 8,501 CRE - non-owner occupied 25,006 621,494 646,500 — 8,549 8,549 Construction and land development 10,436 908,135 918,571 11 16,961 16,972 Multi-family — 600,412 600,412 — 9,339 9,339 1-4 family real estate 2,950 374,411 377,361 329 4,212 4,541 Consumer 350 74,961 75,311 39 891 930 $ 58,677 $ 4,621,455 $ 4,680,132 $ 2,554 $ 76,167 $ 78,721 * Included within the C&I – Other category are leases individually evaluated of $847 thousand with a related allowance for credit losses of $35 thousand and leases collectively evaluated of $44.4 million with a related allowance for credit losses of $1.5 million. The following table presents the amortized cost basis of collateral dependent loans, by the primary collateral type, which are individually evaluated to determine expected credit losses as of June 30, 2022 and December 31, 2021: As of June 30, 2022 Non Commercial Owner-occupied Owner-Occupied Owner Occupied Assets CRE Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - revolving $ 3,353 $ — $ — $ — $ — $ 105 $ — $ 3,458 C&I - other* 2,063 214 — — 122 7,637 2,533 12,569 5,416 214 — — 122 7,742 2,533 16,027 CRE - owner occupied — 24,374 — 66 — — — 24,440 CRE - non-owner occupied — — 28,618 — — — — 28,618 Construction and land development — — 18,986 — — — — 18,986 Multi-family — — 1,300 — — — — 1,300 1-4 family real estate — — 2,017 2,961 — — — 4,978 Consumer — — — 602 — — 7 609 $ 5,416 $ 24,802 $ 50,921 $ 3,629 $ 122 $ 7,742 $ 2,540 $ 94,958 * Included within the C&I – Other category are leases individually evaluated of $854 thousand with primary collateral of equipment. As of December 31, 2021 Non Commercial Owner-Occupied Owner Occupied Assets Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - revolving $ 2,518 $ — $ — $ — $ 120 $ — $ 2,638 C&I - other* 683 — 2,471 134 9,877 291 13,456 3,201 — 2,471 134 9,997 291 16,094 CRE - owner occupied — — 3,841 — — — 3,841 CRE - non-owner occupied — 25,006 — — — — 25,006 Construction and land development — 10,362 74 — — — 10,436 Multi-family — — — — — — — 1-4 family real estate — 817 2,133 — — — 2,950 Consumer — — 340 — 1 9 350 $ 3,201 $ 36,185 $ 8,859 $ 134 $ 9,998 $ 300 $ 58,677 * Included within the C&I – Other category are leases individually evaluated of $847 thousand with primary collateral of equipment. For certain C&I loans, all CRE loans, certain construction and land development loans, all multifamily loans and certain 1-4 family residential loans, the Company’s credit quality indicator consists of internally assigned risk ratings. Each such loan is assigned a risk rating upon origination. The risk rating is reviewed every 15 months, at a minimum, and on an as-needed basis depending on the specific circumstances of the loan. For certain C&I loans (including equipment financing agreements and direct financing leases), certain construction and land development, certain 1-4 family real estate loans, and all consumer loans, the Company’s credit quality indicator is performance determined by delinquency status. Delinquency status is updated daily by the Company’s loan system. The following tables show the credit quality indicator of loans by class of receivable and year of origination as of June 30, 2022: As of June 30, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2022 2021 2020 2019 2018 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 316,980 $ 316,980 Special Mention (Rating 6) — — — — — — 1,820 1,820 Substandard (Rating 7) — — — — — — 3,458 3,458 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 322,258 $ 322,258 C&I - other Pass (Ratings 1 through 5) $ 250,926 $ 298,050 $ 275,254 $ 116,262 $ 78,628 $ 120,831 $ — $ 1,139,951 Special Mention (Rating 6) 365 20 19 20 — 323 — 747 Substandard (Rating 7) 2,396 205 763 5,729 348 165 — 9,606 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 253,687 $ 298,275 $ 276,036 $ 122,011 $ 78,976 $ 121,319 $ — $ 1,150,304 CRE - owner occupied Pass (Ratings 1 through 5) $ 91,565 $ 184,453 $ 168,819 $ 48,013 $ 31,918 $ 58,119 $ 16,268 $ 599,155 Special Mention (Rating 6) 1,730 — 2,915 — 145 1,786 — 6,576 Substandard (Rating 7) 1,981 1,073 16,802 1,260 1,218 500 — 22,834 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 95,276 $ 185,526 $ 188,536 $ 49,273 $ 33,281 $ 60,405 $ 16,268 $ 628,565 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 178,954 $ 216,956 $ 203,144 $ 92,322 $ 60,792 $ 58,123 $ 6,379 $ 816,670 Special Mention (Rating 6) 1,825 4,244 13,809 1,757 15,733 7,205 — 44,573 Substandard (Rating 7) — 720 11,895 15,391 — — 281 28,287 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 180,779 $ 221,920 $ 228,848 $ 109,470 $ 76,525 $ 65,328 $ 6,660 $ 889,530 Construction and land development Pass (Ratings 1 through 5) $ 184,842 $ 358,523 $ 254,180 $ 77,982 $ 34,553 $ — $ 19,253 $ 929,333 Special Mention (Rating 6) 328 163 — — — — — 491 Substandard (Rating 7) 4,794 11,814 — — — 25 — 16,633 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 189,964 $ 370,500 $ 254,180 $ 77,982 $ 34,553 $ 25 $ 19,253 $ 946,457 Multi-family Pass (Ratings 1 through 5) $ 139,369 $ 266,098 $ 233,484 $ 102,945 $ 104,833 $ 10,066 $ 2,598 $ 859,393 Special Mention (Rating 6) — 49 — — — — — 49 Substandard (Rating 7) — — 1,300 — — — — 1,300 Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 139,369 $ 266,147 $ 234,784 $ 102,945 $ 104,833 $ 10,066 $ 2,598 $ 860,742 1-4 family real estate Pass (Ratings 1 through 5) $ 23,427 $ 41,055 $ 18,981 $ 13,400 $ 5,895 $ 6,567 $ 2,297 $ 111,622 Special Mention (Rating 6) — 302 — — — — — 302 Substandard (Rating 7) — — 177 — 430 198 — 805 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 23,427 $ 41,357 $ 19,158 $ 13,400 $ 6,325 $ 6,765 $ 2,297 $ 112,729 Consumer Pass (Ratings 1 through 5) $ 168 $ 859 $ 465 $ 92 $ 206 $ 716 $ 1,650 $ 4,156 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — — — — — 125 — 125 Doubtful (Rating 8) — — — — — — — — Total Consumer $ 168 $ 859 $ 465 $ 92 $ 206 $ 841 $ 1,650 $ 4,281 Total $ 882,670 $ 1,384,584 $ 1,202,007 $ 475,173 $ 334,699 $ 264,749 $ 370,984 $ 4,914,866 As of June 30, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2022 2021 2020 2019 2018 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 117,018 $ 85,405 $ 33,432 $ 12,475 $ 3,539 $ 390 $ — $ 252,259 Nonperforming 47 1,007 62 10 — — — 1,126 Total C&I - other $ 117,065 $ 86,412 $ 33,494 $ 12,485 $ 3,539 $ 390 $ — $ 253,385 Construction and land development Performing $ 61,963 $ 57,234 $ 6,234 $ 4,747 $ 218 $ 471 $ 757 $ 131,624 Nonperforming 524 — 1,767 — — — — 2,291 Total Construction and land development $ 62,487 $ 57,234 $ 8,001 $ 4,747 $ 218 $ 471 $ 757 $ 133,915 Direct financing leases Performing $ 15,481 $ 6,173 $ 7,528 $ 5,914 $ 3,234 $ 866 $ — $ 39,196 Nonperforming — 779 75 — — — — 854 Total Direct financing leases $ 15,481 $ 6,952 $ 7,603 $ 5,914 $ 3,234 $ 866 $ — $ 40,050 1-4 family real estate Performing $ 46,135 $ 119,804 $ 100,058 $ 20,613 $ 13,705 $ 57,076 $ 950 $ 358,341 Nonperforming — 85 1,728 7 — 251 — 2,071 Total 1-4 family real estate $ 46,135 $ 119,889 $ 101,786 $ 20,620 $ 13,705 $ 57,327 $ 950 $ 360,412 Consumer Performing $ 6,124 $ 5,263 $ 4,333 $ 1,992 $ 1,588 $ 1,742 $ 73,964 $ 95,006 Nonperforming 149 12 13 14 33 48 — 269 Total Consumer $ 6,273 $ 5,275 $ 4,346 $ 2,006 $ 1,621 $ 1,790 $ 73,964 $ 95,275 Total $ 247,441 $ 275,762 $ 155,230 $ 45,772 $ 22,317 $ 60,844 $ 75,671 $ 883,037 * Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual and accruing loans/leases that are greater than or equal to 90 days past due. The following tables show the credit quality indicator of loans by class of receivable and year of origination as of December 31, 2021: As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2021 2020 2019 2018 2017 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 245,212 $ 245,212 Special Mention (Rating 6) — — — — — — 633 633 Substandard (Rating 7) — — — — — — 2,638 2,638 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 248,483 $ 248,483 C&I - other Pass (Ratings 1 through 5) $ 391,532 $ 362,256 $ 133,678 $ 82,177 $ 83,419 $ 53,310 $ — $ 1,106,372 Special Mention (Rating 6) 3,580 373 349 — 336 2 — 4,640 Substandard (Rating 7) 506 2,366 7,138 396 55 46 — 10,507 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 395,618 $ 364,995 $ 141,165 $ 82,573 $ 83,810 $ 53,358 $ — $ 1,121,519 CRE - owner occupied Pass (Ratings 1 through 5) $ 118,014 $ 143,045 $ 47,660 $ 30,523 $ 17,038 $ 46,185 $ 11,477 $ 413,942 Special Mention (Rating 6) 637 — — 233 1,846 1,202 — 3,918 Substandard (Rating 7) — — 2,080 1,239 522 — — 3,841 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 118,651 $ 143,045 $ 49,740 $ 31,995 $ 19,406 $ 47,387 $ 11,477 $ 421,701 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 176,813 $ 145,712 $ 88,697 $ 63,849 $ 55,752 $ 28,808 $ 8,592 $ 568,223 Special Mention (Rating 6) 7,295 20,881 1,802 12,230 5,494 5,580 — 53,282 Substandard (Rating 7) 1,105 6,297 15,563 1,087 943 — — 24,995 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 185,213 $ 172,890 $ 106,062 $ 77,166 $ 62,189 $ 34,388 $ 8,592 $ 646,500 Construction and land development Pass (Ratings 1 through 5) $ 394,045 $ 248,360 $ 126,941 $ 106,790 $ 3,012 $ — $ 13,277 $ 892,425 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) 10,362 — — — — — — 10,362 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 404,407 $ 248,360 $ 126,941 $ 106,790 $ 3,012 $ — $ 13,277 $ 902,787 Multi-family Pass (Ratings 1 through 5) $ 266,120 $ 197,224 $ 74,033 $ 47,486 $ 5,609 $ 7,376 $ 2,564 $ 600,412 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — — — — — — — — Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 266,120 $ 197,224 $ 74,033 $ 47,486 $ 5,609 $ 7,376 $ 2,564 $ 600,412 1-4 family real estate Pass (Ratings 1 through 5) $ 47,097 $ 24,029 $ 16,188 $ 7,569 $ 5,845 $ 5,213 $ 3,079 $ 109,020 Special Mention (Rating 6) 37 — — — — — — 37 Substandard (Rating 7) — 178 — 437 201 — — 816 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 47,134 $ 24,207 $ 16,188 $ 8,006 $ 6,046 $ 5,213 $ 3,079 $ 109,873 Consumer Pass (Ratings 1 through 5) $ 1,558 $ 487 $ 108 $ 216 $ — $ 824 $ 2,031 $ 5,224 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — — — 137 — — — 137 Doubtful (Rating 8) — — — — — — — — Total Consumer $ 1,558 $ 487 $ 108 $ 353 $ — $ 824 $ 2,031 $ 5,361 Total $ 1,418,701 $ 1,151,208 $ 514,237 $ 354,369 $ 180,072 $ 148,546 $ 289,503 $ 4,056,636 As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2021 2020 2019 2018 2017 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 117,163 $ 54,261 $ 33,390 $ 14,274 $ 4,200 $ 455 $ — $ 223,743 Nonperforming 95 177 644 368 42 14 — 1,340 Total C&I - other $ 117,258 $ 54,438 $ 34,034 $ 14,642 $ 4,242 $ 469 $ — $ 225,083 Direct financing leases Performing $ 6,690 $ 12,130 $ 11,638 $ 9,235 $ 3,695 $ 956 $ — $ 44,344 Nonperforming — 732 — 52 18 45 — 847 Total Direct financing leases $ 6,690 $ 12,862 $

Note 5 - DERIVATIVES AND HEDGIN

Note 5 - DERIVATIVES AND HEDGING ACTIVITIES	6 Months Ended
Note 5 - DERIVATIVES AND HEDGING ACTIVITIES	Jun. 30, 2022
Notes to Financial Statements
Derivatives and Hedging Activities	NOTE 5 – DERIVATIVES AND HEDGING ACTIVITIES Derivatives are summarized as follows as of June 30, 2022 and December 31, 2021: June 30, 2022 December 31, 2021 (dollars in thousands) Assets: Interest rate caps - hedged $ 6,108 $ 927 Interest rate caps 1,576 238 Interest rate swaps - hedged 126 — Interest rate swaps 89,645 221,055 $ 97,455 $ 222,220 Liabilities: Interest rate swaps - hedged $ (23,660) $ (4,080) Interest rate swaps (89,645) (221,055) $ (113,305) $ (225,135) The Company uses interest rate swap and cap instruments to manage interest rate risk related to the variability of interest payments due to changes in interest rates. The Company has entered into interest rate caps to hedge against the risk of rising interest rates on liabilities. The liabilities consist of $300.0 million of deposits and the benchmark rates hedged vary at 1-month LIBOR, 3-month LIBOR and the Prime Rate. The interest rate caps are designated as cash flow hedges in accordance with ASC 815. An initial premium of $3.5 million was paid upfront for the caps executed. The details of the interest rate caps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Strike Rate June 30, 2022 December 31, 2021 (dollars in thousands) Deposits 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.75 % $ 122 $ 5 Deposits 1/1/2020 1/1/2023 Derivatives - Assets 50,000 1.57 % 219 11 Deposits 1/1/2020 1/1/2023 Derivatives - Assets 25,000 1.80 % 109 5 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.75 % 529 60 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 50,000 1.57 % 1,081 125 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.80 % 540 62 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.75 % 861 161 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 50,000 1.57 % 1,765 332 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.80 % 882 166 $ 300,000 $ 6,108 $ 927 For derivative instruments that are designated as unhedged, the change in fair value of the derivative instrument is recognized into current earnings. The details of the unhedged interest rate caps are as follows: Balance Sheet Fair Value as of Effective Date Maturity Date Location Notional Amount Strike Rate June 30, 2022 December 31, 2021 (dollars in thousands) 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.90 % $ 119 $ 3 2/1/2020 2/1/2024 Derivatives - Assets 25,000 1.90 % 555 62 3/1/2020 3/1/2025 Derivatives - Assets 25,000 1.90 % 902 173 $ 75,000 $ 1,576 $ 238 The Company has entered into interest rate swaps to hedge against the risk of declining interest rates on floating rate loans. All of the interest rate swaps are designated as cash flow hedges in accordance with ASC 815. The details of the interest rate swaps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate June 30, 2022 December 31, 2021 (dollars in thousands) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities $ 35,000 1.40 % 1.79 % $ (4,038) $ (17) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 50,000 1.40 % 1.79 % (5,768) (25) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 40,000 1.40 % 1.79 % (4,627) (34) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 25,000 1.40 % 1.79 % (2,884) (13) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 15,000 1.91 % 1.79 % (630) N/A Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 50,000 1.91 % 1.79 % (2,100) N/A Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 35,000 1.91 % 1.79 % (1,470) N/A Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 50,000 1.91 % 1.79 % (2,100) N/A $ 300,000 $ (23,617) $ (89) The Company has entered into interest rate swaps to hedge against the risk of rising rates on its variable rate trust preferred securities. All of the interest rate swaps are designated as cash flow hedges in accordance with ASC 815. The details of the interest rate swaps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate June 30, 2022 December 31, 2021 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Derivatives - Liabilities $ 10,000 3.86 % 5.85 % $ (12) $ (1,035) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Derivatives - Liabilities 8,000 3.86 % 5.85 % (9) (828) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Derivatives - Liabilities 10,000 1.79 % 4.54 % (3) (996) Community National Statutory Trust II 9/20/2018 9/20/2028 Derivatives - Liabilities 3,000 3.10 % 5.17 % (4) (309) Community National Statutory Trust III 9/15//2018 9/15/2028 Derivatives - Liabilities 3,500 2.58 % 4.75 % (7) (360) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Derivatives - Liabilities 4,500 2.58 % 4.75 % (8) (463) Guaranty Statutory Trust II* 12/15/2005 2/23/2036 Derivatives - Liabilities 10,310 2.95 % 4.09 % 126 N/A $ 49,310 $ 83 $ (3,991) *Acquired on 4/1/2022 with GFED acquisition. Changes in fair values of derivative financial instruments accounted for as cash flow hedges, to the extent that they are included in the assessment of effectiveness, are recorded as a component of AOCI. The Company has also entered into interest rate swap contracts that are not designated as hedging instruments. These derivative contracts relate to transactions in which the Company enters into an interest rate swap with a customer while at the same time entering into an equal and offsetting interest rate swap with a third-party financial institution. Additionally, the Company receives an upfront, non-refundable fee from the counterparty, dependent upon the pricing that is recognized upon receipt from the counterparty. Because the Company acts as an intermediary for the customer, changes in the fair value of the underlying derivative contracts, for the most part, offset each other and do not significantly impact the Company’s results of operations. Interest rate swaps that are not designated as hedging instruments are summarized as follows: June 30, 2022 December 31, 2021 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ 2,213,781 $ 89,645 $ 2,024,599 $ 221,055 Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 2,213,781 $ 89,645 $ 2,024,599 $ 221,055 The effect of cash flow hedging and fair value accounting on the consolidated statements of income for the three and six months ended June 30, 2022 and June 30, 2021 are as follows: Three Months Ended June 30, 2022 Three Months Ended June 30, 2021 Interest and Interest Interest and Interest Dividend Income Expense Dividend Income Expense (dollars in thousands) Income and expense line items presented in the consolidated statements of income $ 68,205 $ 8,805 $ 48,903 $ 5,387 The effects of cash flow hedging: Gain (loss) on cash flow hedges: Interest rate caps on deposits - 241 - 163 Interest rate swaps on variable rate loans 671 - - - Interest rate swaps on junior subordinated debentures - 196 - 276 Six Months Ended June 30, 2022 Six Months Ended June 30, 2021 Interest and Interest Interest and Interest Dividend Income Expense Dividend Income Expense (dollars in thousands) Income and expense line items presented in the consolidated statements of income $ 119,267 $ 14,134 $ 96,468 $ 10,977 The effects of cash flow hedging: Gain (loss) on cash flow hedges: Interest rate caps on deposits - 462 314 Interest rate swaps on variable rate loans 1,142 - - - Interest rate swaps on junior subordinated debentures - 463 - 545 The Company’s hedged interest rate swaps and non-hedged interest rate swaps are collateralized with cash and investment securities with carrying values as follows: June 30, 2022 December 31, 2021 (dollars in thousands) Cash $ 1,720 $ 21,100 U.S treasuries and govt. sponsored agency securities 3,497 3,555 Municipal securities 109,018 139,166 Residential mortgage-backed and related securities 55,895 65,104 $ 170,130 $ 228,925 The Company may be exposed to credit risk in the event of non-performance by the counterparties to its interest rate derivative agreements. The Company assesses the credit risk of its financial institution counterparties by monitoring publicly available credit rating and financial information. Additionally, the Company manages financial institution counterparty credit risk by entering into interest rate derivatives only with primary and highly rated counterparties, and uses ISDA master agreements, central clearing mechanisms and counterparty limits. The agreements contain bilateral collateral agreements with the amount of collateral to be posted generally governed by the settlement value of outstanding swaps. The Company manages the risk of default by its borrower/customer counterparties through its normal loan underwriting and credit monitoring policies and procedures. The Company underwrites the combination of the base loan amount and potential swap exposure and focuses on high quality borrowers with strong collateral values. The majority of the Company’s swapped loan portfolio consists of loans on projects, with loan-to-values including the potential swap exposure that is below 65%. The Company does not currently anticipate any losses from failure of interest rate derivative counterparties to honor their obligations.

Note 6 - INCOME TAXES

Note 6 - INCOME TAXES	6 Months Ended
Note 6 - INCOME TAXES	Jun. 30, 2022
Notes to Financial Statements
INCOME TAXES	NOTE 6 – IN COME TAXES A reconciliation of the expected federal income tax expense to the income tax expense included in the consolidated statements of income is as follows for the three and six months ended June 30, 2022 and June 30, 2021: For the Three Months Ended June 30, For the Six Months Ended June 30, 2022 2021 2022 2021 % of % of % of % of Pretax Pretax Pretax Pretax Amount Income Amount Income Amount Income Amount Income (dollars in thousands) Computed "expected" tax expense $ 3,514 21.0 % $ 5,699 21.0 % $ 8,965 21.0 % $ 10,219 21.0 % Tax exempt income, net (2,476) (14.8) (1,802) (6.6) (4,698) (11.0) (3,521) (7.2) Bank-owned life insurance (73) (0.4) (95) (0.4) (146) (0.3) (194) (0.4) State income taxes, net of federal benefit, current year 982 5.9 1,247 4.6 2,273 5.3 2,271 4.7 Provision adjustment from accounting method change — — — — (1,181) (2.8) — — Tax credits (289) (1.7) (57) (0.2) (531) (1.2) (114) (0.2) Income from tax credit equity investments 158 0.9 — — (143) (0.3) — — Acquisition costs 242 1.4 — — 372 0.9 — — Excess tax benefit on stock options exercised and restricted stock awards vested (40) (0.2) (40) (0.1) (474) (1.1) (204) (0.4) Other (526) (3.2) (164) (0.7) (612) (1.5) (128) (0.3) Federal and state income tax expense $ 1,492 8.9 % $ 4,788 17.6 % $ 3,825 9.0 % $ 8,329 17.2 %

Note 7 - EARNINGS PER SHARE

Note 7 - EARNINGS PER SHARE	6 Months Ended
Note 7 - EARNINGS PER SHARE	Jun. 30, 2022
Notes to Financial Statements
EARNINGS PER SHARE	NOTE 7 - EARNINGS PER SHARE The following information was used in the computation of EPS on a basic and diluted basis: Three months ended Six months ended June 30, June 30, 2022 2021 2022 2021 (dollars in thousands, except share data) Net income $ 15,242 $ 22,349 $ 38,866 $ 40,331 Basic EPS $ 0.88 $ 1.41 $ 2.36 $ 2.55 Diluted EPS $ 0.87 $ 1.39 $ 2.33 $ 2.52 Weighted average common shares outstanding 17,345,324 15,813,932 16,485,218 15,808,788 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 203,783 231,307 215,464 226,606 Weighted average common and common equivalent shares outstanding 17,549,107 16,045,239 16,700,682 16,035,394

Note 8- FAIR VALUE

Note 8- FAIR VALUE	6 Months Ended
Note 8- FAIR VALUE	Jun. 30, 2022
Fair Value
Fair Value	NOTE 8 – FAIR VALUE Accounting guidance on fair value measurement uses a hierarchy intended to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy includes three levels and is based upon the valuation techniques used to measure assets and liabilities. The three levels are as follows: ● Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in markets; ● Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and ● Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Assets and liabilities measured at fair value on a recurring basis comprise the following at June 30, 2022 and December 31, 2021: Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (dollars in thousands) June 30, 2022: Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 20,448 $ — $ 20,448 $ — Residential mortgage-backed and related securities 81,247 — 81,247 — Municipal securities 202,985 — 202,985 — Asset-backed securities 19,956 — 19,956 — Other securities 46,777 — 46,777 — Derivatives 97,455 — 97,455 — Total assets measured at fair value $ 468,868 $ — $ 468,868 $ — Derivatives $ 113,305 $ — $ 113,305 $ — Total liabilities measured at fair value $ 113,305 $ — $ 113,305 $ — December 31, 2021: Securities AFS: U.S. govt. sponsored agency securities $ 23,328 $ — $ 23,328 $ — Residential mortgage-backed and related securities 94,323 — 94,323 — Municipal securities 168,266 — 168,266 — Asset-backed securities 27,124 — 27,124 — Other securities 24,789 — 24,789 — Derivatives 222,220 — 222,220 — Total assets measured at fair value $ 560,050 $ — $ 560,050 $ — Derivatives $ 225,135 $ — $ 225,135 $ — Total liabilities measured at fair value $ 225,135 $ — $ 225,135 $ — The securities AFS portfolio consists of securities whereby the Company obtains fair values from an independent pricing service. The fair values are determined by pricing models that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems (Level 2 inputs). Interest rate caps are used for the purpose of hedging interest rate risk on deposits. The interest rate caps are further described in Note 5 to the Consolidated Financial Statements. The fair values are determined by pricing models that consider observable market data for derivative instruments with similar structures (Level 2 inputs). Interest rate swaps are used for the purpose of hedging interest rate risk on loans and subordinated debt. The interest rate swaps are further described in Note 5 to the Consolidated Financial Statements. The fair values are determined by comparing the contract rate on the swap with the then-current market rate for the remaining term of the transaction (Level 2 inputs). Interest rate swaps are also executed for select commercial customers. The interest rate swaps are further described in Note 5 to the Consolidated Financial Statements. The fair values are determined by comparing the contract rate on the swap with the then-current market rate for the remaining term of the transaction (Level 2 inputs). Certain financial assets are measured at fair value on a non-recurring basis; that is, the assets are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when a loan/lease is collaterally dependent). Assets measured at fair value on a non-recurring basis comprise the following at June 30, 2022 and December 31, 2021: Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) June 30, 2022: Loans/leases evaluated individually $ 49,334 $ — $ — $ 49,334 OREO 221 — — 221 $ 49,555 $ — $ — $ 49,555 December 31, 2021: Loans/leases evaluated individually $ 6,618 $ — $ — $ 6,618 Loans/leases evaluated individually are valued at the lower of cost or fair value, and are classified as Level 3 in the fair value hierarchy. Fair value is measured based on the value of the collateral securing these loans/leases. Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable, and is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values are discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. The following table presents additional quantitative information about assets measured at fair value on a non-recurring basis for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information about Level Fair Value Measurements Fair Value Fair Value June 30, December 31, 2022 2021 Valuation Technique Unobservable Input Range (dollars in thousands) Loans/leases evaluated individually $ 49,334 $ 6,618 Appraisal of collateral Appraisal adjustments -10.00 % to -30.00 % For the loans/leases evaluated individually, the Company records carrying value at fair value less disposal or selling costs. The amounts reported in the tables above are fair values before the adjustment for disposal or selling costs. There have been no changes in valuation techniques used for any assets or liabilities measured at fair value during the three months ended June 30, 2022 and 2021. The following table presents the carrying values and estimated fair values of financial assets and liabilities carried on the Company's consolidated balance sheets, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis: Fair Value As of June 30, 2022 As of December 31, 2021 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 92,379 $ 92,379 $ 37,490 $ 37,490 Federal funds sold Level 2 2,150 2,150 12,370 12,370 Interest-bearing deposits at financial institutions Level 2 54,382 54,382 75,292 75,292 Investment securities: HTM Level 2 508,505 497,954 472,385 522,297 AFS Level 2 371,413 371,413 337,830 337,830 Loans/leases receivable, net Level 3 45,680 49,334 6,128 6,618 Loans/leases receivable, net Level 2 5,659,798 5,662,328 4,595,283 4,478,899 Derivatives Level 2 97,455 97,455 222,220 222,220 Deposits: Nonmaturity deposits Level 2 5,259,509 5,259,509 4,501,424 4,501,424 Time deposits Level 2 561,148 546,315 421,348 419,453 Short-term borrowings Level 2 1,070 1,070 3,800 3,800 FHLB advances Level 2 400,000 400,000 15,000 15,000 Subordinated notes Level 2 133,562 136,175 113,850 116,203 Junior subordinated debentures Level 2 48,534 41,970 38,155 31,072 Derivatives Level 2 113,305 113,305 225,135 225,135

Note 9 - BUSINESS SEGMENT INFOR

Note 9 - BUSINESS SEGMENT INFORMATION	6 Months Ended
Note 9 - BUSINESS SEGMENT INFORMATION	Jun. 30, 2022
Notes to Financial Statements
Business Segment Information	NOTE 9 – BUSINESS SEGMENT INFORMATION Selected financial and descriptive information is required to be disclosed for reportable operating segments, applying a “management perspective” as the basis for identifying reportable segments. The management perspective is determined by the view that management takes of the segments within the Company when making operating decisions, allocating resources, and measuring performance. The segments of the Company have been defined by the structure of the Company's internal organization, focusing on the financial information that the Company's operating decision-makers routinely use to make decisions about operating matters. The Company’s Commercial Banking business is geographically divided by markets into the operating segments which are the four subsidiary banks wholly owned by the Company: QCBT, CRBT, CSB, and GB. Each of these operating segments offers similar products and services, but is managed separately due to different pricing, product demand, and consumer markets. Each offers commercial, consumer, and mortgage loans and deposit services. The Company's All Other segment includes the corporate operations of the parent and operations of all other consolidated subsidiaries and/or defined operating segments that fall below the segment reporting thresholds. Selected financial information on the Company's business segments is presented as follows as of and for the three and six months ended June 30, 2022 and 2021: Commercial Banking Intercompany Consolidated QCBT CRBT CSB GB* All other Eliminations Total (dollars in thousands) Three Months Ended June 30, 2022 Total revenue $ 23,722 $ 31,715 $ 12,091 $ 23,669 $ 26,795 $ (27,005) $ 90,987 Net interest income 18,540 15,093 9,851 18,065 (2,494) 345 59,400 Provision for credit losses 617 (165) 100 10,648 — — 11,200 Net income (loss) from continuing operations 8,425 13,256 3,374 1,027 15,612 (26,452) 15,242 Goodwill 3,223 14,980 9,888 109,516 — — 137,607 Intangibles — 1,463 2,340 14,530 — — 18,333 Total assets 2,122,852 1,985,198 1,221,406 2,037,364 949,955 (923,834) 7,392,941 Three Months Ended June 30, 2021 Total revenue $ 21,676 $ 26,498 $ 10,809 $ 9,181 $ 137 $ (102) $ 68,199 Net interest income 16,152 14,005 8,672 6,479 (2,119) 327 43,516 Provision for loan/lease losses 136 (692) 756 (200) — — — Net income (loss) from continuing operations 8,679 11,145 3,109 3,685 22,320 (26,589) 22,349 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,946 2,979 5,440 — — 10,365 Total assets 2,059,634 1,913,761 1,079,930 850,067 81,076 (179,303) 5,805,165 Six Months Ended June 30, 2022 Total revenue $ 46,202 $ 56,926 $ 23,407 $ 31,513 $ 55,707 $ (56,073) $ 157,682 Net interest income 35,854 29,416 19,182 24,593 (4,603) 691 105,133 Provision for loan/lease losses (642) (936) (285) 10,147 — — 8,284 Net income (loss) from continuing operations 18,395 24,385 7,500 4,131 39,439 (54,984) 38,866 Goodwill 3,223 14,980 9,888 109,516 — — 137,607 Intangibles — 1,463 2,340 14,530 — — 18,333 Total assets 2,122,852 1,985,198 1,221,406 2,037,364 949,955 (923,834) 7,392,941 Six Months Ended June 30, 2021 Total revenue $ 42,960 $ 56,855 $ 21,232 $ 17,927 $ 503 $ (224) $ 139,253 Net interest income 31,938 27,611 17,040 12,548 (4,221) 575 85,491 Provision for loan/lease losses 2,248 1,492 2,122 851 — — 6,713 Net income (loss) from continuing operations 15,843 22,541 5,171 5,954 40,268 (49,446) 40,331 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,946 2,979 5,440 — — 10,365 Total assets 2,059,634 1,913,761 1,079,930 850,067 81,076 (179,303) 5,805,165 * On April 1, 2022, the Company acquired GFED and merged its subsidiary bank, Guaranty Bank, into Springfield First Community Bank with the combined bank operating under the Guaranty Bank name.

Note 10 - REGULATORY CAPITAL RE

Note 10 - REGULATORY CAPITAL REQUIREMENTS	6 Months Ended
Note 10 - REGULATORY CAPITAL REQUIREMENTS	Jun. 30, 2022
Notes to Financial Statements
REGULATORY CAPITAL REQUIREMENTS	NOTE 10 – REGULATORY CAPITAL REQUIREMENTS The Company (on a consolidated basis) and the subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and the subsidiary banks' financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the subsidiary banks must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain OBS items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the subsidiary banks to maintain minimum amounts and ratios (set forth in the following table) of total common equity Tier 1 and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets, each as defined by regulation. Management believes, as of June 30, 2022 and December 31, 2021, that the Company and the subsidiary banks met all capital adequacy requirements to which they are subject. Under the regulatory framework for prompt corrective action, to be categorized as “well capitalized,” an institution must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 leverage and common equity Tier 1 ratios as set forth in the following tables. The Company and the subsidiary banks’ actual capital amounts and ratios as of June 30, 2022 and December 31, 2021 are presented in the following tables (dollars in thousands). As of June 30, 2022 and December 31, 2021, each of the subsidiary banks met such capital requirements to be “well capitalized”. For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio ( dollars in thousands) As of June 30, 2022: Company: Total risk-based capital $ 907,484 13.40 % $ 543,913 > 8.00 % $ 713,885 > 10.50 % $ 679,891 > 10.00 % Tier 1 risk-based capital 689,200 10.18 407,934 > 6.00 577,907 > 8.50 543,913 > 8.00 Tier 1 leverage 689,200 9.61 286,877 > 4.00 286,877 > 4.00 358,596 > 5.00 Common equity Tier 1 640,666 9.46 305,951 > 4.50 475,923 > 7.00 441,929 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 257,008 13.73 % $ 149,733 > 8.00 % $ 196,525 > 10.50 % $ 187,166 > 10.00 % Tier 1 risk-based capital 233,523 12.48 112,300 > 6.00 159,091 > 8.50 149,733 > 8.00 Tier 1 leverage 233,523 10.74 87,009 > 4.00 87,009 > 4.00 108,761 > 5.00 Common equity Tier 1 233,523 12.48 84,225 > 4.50 131,016 > 7.00 121,658 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 276,943 14.39 % $ 153,929 > 8.00 % $ 202,032 > 10.50 % $ 192,412 > 10.00 % Tier 1 risk-based capital 252,865 13.14 115,447 > 6.00 163,550 > 8.50 153,929 > 8.00 Tier 1 leverage 252,865 12.99 77,854 > 4.00 77,854 > 4.00 97,318 > 5.00 Common equity Tier 1 252,865 13.14 86,585 > 4.50 134,688 > 7.00 125,067 > 6.50 Community State Bank: Total risk-based capital $ 132,136 11.84 % $ 89,251 > 8.00 % $ 117,142 > 10.50 % $ 111,563 > 10.00 % Tier 1 risk-based capital 118,157 10.59 66,938 > 6.00 94,829 > 8.50 89,251 > 8.00 Tier 1 leverage 118,157 9.92 47,630 > 4.00 47,630 > 4.00 59,537 > 5.00 Common equity Tier 1 118,157 10.59 50,204 > 4.50 78,094 > 7.00 72,516 > 6.50 Guaranty Bank: Total risk-based capital $ 220,292 12.08 % $ 148,137 > 8.00 % $ 194,429 > 10.50 % $ 185,171 > 10.00 % Tier 1 risk-based capital 197,467 10.83 111,103 > 6.00 157,395 > 8.50 148,137 > 8.00 Tier 1 leverage 197,467 10.62 74,370 > 4.00 74,370 > 4.00 92,963 > 5.00 Common equity Tier 1 197,467 10.83 83,327 > 4.50 129,620 > 7.00 120,361 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio ( dollars in thousands) As of December 31, 2021: Company: Total risk-based capital $ 814,629 14.77 % $ 441,100 > 8.00 % $ 578,944 > 10.50 % $ 551,375 > 10.00 % Tier 1 risk-based capital 631,649 11.46 330,825 > 6.00 468,669 > 8.50 441,100 > 8.00 Tier 1 leverage 631,649 10.46 241,579 > 4.00 241,579 > 4.00 301,974 > 5.00 Common equity Tier 1 593,494 10.76 248,119 > 4.50 385,962 > 7.00 358,394 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 247,658 13.29 % $ 149,126 > 8.00 % $ 195,727 > 10.50 % $ 186,407 > 10.00 % Tier 1 risk-based capital 224,253 12.03 111,844 > 6.00 158,446 > 8.50 149,126 > 8.00 Tier 1 leverage 224,253 10.45 85,873 > 4.00 85,873 > 4.00 107,341 > 5.00 Common equity Tier 1 224,253 12.03 83,883 > 4.50 130,485 > 7.00 121,164 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 277,673 14.85 % $ 149,595 > 8.00 % $ 196,343 > 10.50 % $ 186,993 > 10.00 % Tier 1 risk-based capital 254,279 13.60 112,196 > 6.00 158,944 > 8.50 149,595 > 8.00 Tier 1 leverage 254,279 12.59 80,777 > 4.00 80,777 > 4.00 100,971 > 5.00 Common equity Tier 1 254,279 13.60 84,147 > 4.50 130,895 > 7.00 121,546 > 6.50 Community State Bank: Total risk-based capital $ 123,365 11.95 % $ 82,601 > 8.00 % $ 108,413 > 10.50 % $ 103,251 > 10.00 % Tier 1 risk-based capital 110,410 10.69 61,951 > 6.00 87,763 > 8.50 82,601 > 8.00 Tier 1 leverage 110,410 9.67 45,676 > 4.00 45,676 > 4.00 57,095 > 5.00 Common equity Tier 1 110,410 10.69 46,463 > 4.50 72,276 > 7.00 67,113 > 6.50 Springfield First Community Bank: Total risk-based capital $ 101,067 13.39 % $ 60,369 > 8.00 % $ 79,235 > 10.50 % $ 75,462 > 10.00 % Tier 1 risk-based capital 91,625 12.14 45,277 > 6.00 64,142 > 8.50 60,369 > 8.00 Tier 1 leverage 91,625 11.08 33,088 > 4.00 33,088 > 4.00 41,360 > 5.00 Common equity Tier 1 91,625 12.14 33,958 > 4.50 52,823 > 7.00 49,050 > 6.50

Note 1 - SUMMARY OF SIGNIFICA_2

Note 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2022
Accounting Policies
Basis of presentation	Basis of presentation The financial information of the Company included herein has been prepared in accordance with GAAP for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. Any differences appearing between the numbers presented in financial statements and management's discussion and analysis are due to rounding. The results of the interim period ended June 30, 2022 are not necessarily indicative of the results expected for the year ending December 31, 2022, or for any other period. The acronyms and abbreviations identified below are used throughout this Quarterly Report on Form 10-Q. It may be helpful to refer back to this page as you read this report. Allowance: Allowance for credit losses GB: Guaranty Bank, formerly known as Springfield First AOCI: Accumulated other comprehensive income (loss) Community Bank ASC: Accounting Standards Codification GFED: Guaranty Federal Bancshares, Inc. ASU: Accounting Standards Update HTM: Held to maturity Bates Companies: Bates Financial Advisors, Inc., Bates LIBOR: London Inter-Bank Offered Rate Financial Services, Inc., Bates Securities, Inc. and LIHTC: Low-income housing tax credit Bates Financial Group, Inc. m2: m2 Equipment Finance, LLC BOLI: Bank-owned life insurance NIM: Net interest margin Caps: Interest rate cap derivatives NPA: Nonperforming asset CARES Act: Coronavirus Aid, Relief and Economy NPL: Nonperforming loan Security Act OBS: Off-balance sheet CECL: Current Expected Credit Losses OREO: Other real estate owned Community National: Community National Bancorporation OTTI: Other-than-temporary impairment COVID-19: Coronavirus Disease 2019 PCAOB: Public Company Accounting Oversight Board CRBT: Cedar Rapids Bank & Trust Company PCD: Purchased credit deteriorated loan CRE: Commercial real estate PCI: Purchased credit impaired CSB: Community State Bank PPP: Paycheck Protection Program C&I: Commercial and industrial Provision: Provision for credit losses EBA: Excess balance account QCBT: Quad City Bank & Trust Company EPS: Earnings per share ROAA: Return on average assets Exchange Act: Securities Exchange Act of 1934, as ROAE: Return on average equity amended SBA: U.S. Small Business Administration FASB: Financial Accounting Standards Board SEC: Securities and Exchange Commission FDIC: Federal Deposit Insurance Corporation SFCB: Springfield First Community Bank Federal Reserve: Board of Governors of the Federal SFG: Specialty Finance Group Reserve System TA: Tangible assets FHLB: Federal Home Loan Bank TCE: Tangible common equity FRB: Federal Reserve Bank of Chicago TDRs: Troubled debt restructurings TEY: Tax equivalent yield The Company: QCR Holdings, Inc.
Principles of consolidation	The Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiaries which include the accounts of four commercial banks: QCBT, CRBT, CSB and GB. All are state-chartered commercial banks and all are members of the Federal Reserve system. On April 1, 2022, the Company completed its previously announced acquisition of GFED. See Note 2 to the Consolidated Financial Statements for further discussion. The combined bank changed its name to Guaranty Bank. The Company also engages in direct financing lease contracts through m2, a wholly-owned subsidiary of QCBT. All material intercompany transactions and balances have been eliminated in consolidation.
Pending accounting developments	Pending accounting developments Reference Rate Reform Management has assessed the impacts of ASU 2020-04 and the related opportunities and risks involved in the LIBOR transition. In April 2022, the FASB issued ASU 2022-02, Troubled Debt Restructurings and Vintage Disclosures

Note 02 - ACQUISITION (Tables)

Note 02 - ACQUISITION (Tables)	6 Months Ended
Note 02 - ACQUISITION (Tables)	Jun. 30, 2022
ACQUISITION
Fair values of the assets acquired and liabilities assumed	As of April 1, 2022 (dollars in thousands) ASSETS Cash and due from banks $ 171,844 Interest-bearing deposits at financial institutions 17,134 Securities 143,017 Loans/leases receivable, net 801,697 Bank-owned life insurance 32,100 Premises and equipment 16,257 Restricted investment securities 2,220 Other real estate owned 55 Intangibles 10,264 Other assets 23,685 Total assets acquired $ 1,218,273 LIABILITIES Deposits $ 1,076,573 FHLB advances 16,000 Subordinated notes 19,621 Junior subordinated debentures 10,310 Other liabilities 15,225 Total liabilities assumed $ 1,137,729 Net assets acquired $ 80,544 CONSIDERATION PAID: Cash $ 26,871 Common stock 117,214 Total consideration paid $ 144,085 Goodwill $ 63,541
Schedule of carrying amount of loans acquired and classified	Guaranty Bank April 1, 2022 (dollars in thousands) Principal balance of PCD loans at acquisition $ 38,711 Allowance for credit losses at acquisition (5,902) Non-credit discount at acquisition (1,366) Fair value of PCD loans at acquisition $ 31,443
Schedule of changes in the carrying amount of core deposit	June 30, 2022 (dollars in thousands) Balance at acquisition $ 10,264 Amortization expense (294) Balance at the end of the period $ 9,970 Gross carrying amount $ 10,264 Accumulated amortization (294) Net book value $ 9,970
Estimated amortization of intangible assets	Year ending, December 31, Amount (dollars in thousands) 2022 $ 589 2023 1,162 2024 1,138 2025 1,109 2026 1,076 Thereafter 4,896 $ 9,970
Schedule of FHLB advances and other borrowings	Amount Rate Terms Maturity Date Collateral (dollars in thousands) FHLB advance 6,500 0.59% monthly interest payments; principal due at maturity 5/15/2023 commercial and residential real estate loans FHLB advance 6,500 0.82% monthly interest payments; principal due at maturity 5/15/2025 commercial and residential real estate loans FHLB advance 3,000 1.12% monthly interest payments; principal due at maturity 5/17/2027 commercial and residential real estate loans Subordinated notes 19,621 5.25% monthly interest payments; principal due at maturity 9/30/2030 unsecured Junior subordinated debentures 10,310 4.09% monthly interest payments; principal due at maturity 2/23/2036 unsecured Fair value of borrowings assumed $ 45,931
Schedule of unaudited pro forma combined operating results	Three Months Ended June 30, For the Six Months Ended June 30, 2022 2021 2022 2021 (dollars in thousands, except per share data) Net interest income $ 59,400 $ 53,324 $ 115,136 $ 104,650 Noninterest income $ 22,782 $ 22,112 $ 40,652 $ 48,216 Net income $ 15,242 $ 25,609 $ 41,365 $ 46,549 Earnings per common share: Basic $ 0.88 $ 1.43 $ 2.23 $ 2.60 Diluted $ 0.87 $ 1.41 $ 2.20 $ 2.57

Note 3 - INVESTMENT SECURITIES

Note 3 - INVESTMENT SECURITIES (Tables)	6 Months Ended
Note 3 - INVESTMENT SECURITIES (Tables)	Jun. 30, 2022
Notes Tables
Amortized cost and fair value of investment securities	Gross Gross Amortized Unrealized Unrealized Fair Cost* Gains (Losses) Value (dollars in thousands) June 30, 2022: Securities HTM: Municipal securities $ 507,653 $ 5,359 $ (16,108) $ 496,904 Other securities 1,050 — — 1,050 $ 508,703 $ 5,359 $ (16,108) $ 497,954 Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 22,424 $ 22 $ (1,998) $ 20,448 Residential mortgage-backed and related securities 86,000 42 (4,795) 81,247 Municipal securities 241,074 122 (38,211) 202,985 Asset-backed securities 20,056 112 (212) 19,956 Other securities 47,768 93 (1,084) 46,777 $ 417,322 $ 391 $ (46,300) $ 371,413 * HTM securities shown on the balance sheet of $508.5 million represents amortized cost of $508.7 million, net of allowance for credit losses of $198 thousand as of June 30, 2022. Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) December 31, 2021: Securities HTM: Municipal securities $ 471,533 $ 49,715 $ — $ 521,248 Other securities 1,050 — (1) 1,049 $ 472,583 $ 49,715 $ (1) $ 522,297 Securities AFS: U.S. govt. sponsored agency securities $ 23,370 $ 254 $ (296) $ 23,328 Residential mortgage-backed and related securities 92,431 2,672 (780) 94,323 Municipal securities 163,253 5,228 (215) 168,266 Asset-backed securities 26,372 752 — 27,124 Other securities 24,568 251 (30) 24,789 $ 329,994 $ 9,157 $ (1,321) $ 337,830 * HTM securities shown on the balance sheet of $472.4 million represents amortized cost of $472.6 million, net of allowance for credit losses of $198 thousand as of December 31, 2021.
Securities have been in a continuous unrealized loss position	Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) June 30, 2022: Securities HTM: Municipal securities $ 68,468 $ (7,786) $ 95,070 $ (8,322) $ 163,538 $ (16,108) Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 16,574 $ (1,359) $ 2,482 $ (639) $ 19,056 $ (1,998) Residential mortgage-backed and related securities 59,731 (2,073) 18,215 (2,722) 77,946 (4,795) Municipal securities 185,244 (37,071) 3,828 (1,140) 189,072 (38,211) Asset-backed securities 10,722 (212) — — 10,722 (212) Other securities 32,950 (1,084) — — 32,950 (1,084) $ 305,221 $ (41,799) $ 24,525 $ (4,501) $ 329,746 $ (46,300) Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) December 31, 2021: Securities HTM: Other securities $ 1,049 $ (1) $ — $ — $ 1,049 $ (1) Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 9,802 $ (156) $ 3,035 $ (140) $ 12,837 $ (296) Residential mortgage-backed and related securities 5,363 (67) 19,406 (713) 24,769 (780) Municipal securities 13,287 (211) 1,001 (4) 14,288 (215) Other securities 4,528 (30) — — 4,528 (30) $ 32,980 $ (464) $ 23,442 $ (857) $ 56,422 $ (1,321)
Activity in allowance for credit losses	Three Months Ended June 30, 2022 Three Months Ended June 30, 2021 Six Months Ended June 30, 2022 Six Months Ended June 30, 2021 Municipal Other Municipal Other Municipal Other Municipal Other securities securities Total securities securities Total securities securities Total securities securities Total Allowance for credit losses: Beginning balance $ 198 $ — $ 198 $ 173 $ 1 $ 174 $ 198 $ — $ 198 $ — $ — $ — Impact of adopting ASU 2016-13 — — — — — — — — — 182 1 183 Provision for credit loss expense — — — — — — — — — (9) — (9) Balance, ending $ 198 $ — $ 198 $ 173 $ 1 $ 174 $ 198 $ — $ 198 $ 173 $ 1 $ 174
Realized gain (loss) on investments	Three Months Ended Six Months Ended June 30, 2022 June 30, 2021 June 30, 2022 June 30, 2021 Proceeds from sales of securities $ 111,375 $ 4,334 $ 111,375 $ 23,874 Gross gains from sales of securities — — — — Gross losses from sales of securities — (88) — (88)
Investments classified by maturity date	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 2,968 $ 2,974 Due after one year through five years 16,632 16,589 Due after five years 489,103 478,391 $ 508,703 $ 497,954 Securities AFS: Due in one year or less $ 6,773 $ 6,772 Due after one year through five years 4,129 4,162 Due after five years 300,364 259,276 311,266 270,210 Residential mortgage-backed and related securities 86,000 81,247 Asset-backed securities 20,056 19,956 $ 417,322 $ 371,413
Schedule of investment in callable securities	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 309,349 $ 305,321 Securities AFS: Municipal securities 236,628 198,515 Other securities 46,347 45,405 $ 282,975 $ 243,920

Note 4 - LOANS LEASES RECEIVABL

Note 4 - LOANS LEASES RECEIVABLE (Tables)	6 Months Ended
Note 4 - LOANS LEASES RECEIVABLE (Tables)	Jun. 30, 2022
Notes Tables
Composition of the loan/lease portfolio	June 30, 2022 December 31, 2021 (dollars in thousands) C&I: C&I - revolving $ 322,258 $ 248,483 C&I - other * 1,403,689 1,346,602 1,725,947 1,595,085 CRE - owner occupied 628,565 421,701 CRE - non-owner occupied 889,530 646,500 Construction and land development 1,080,372 918,571 Multi-family 860,742 600,412 Direct financing leases 40,050 45,191 1-4 family real estate* 473,141 377,361 Consumer 99,556 75,311 5,797,903 4,680,132 Allowance for credit losses (92,425) (78,721) $ 5,705,478 $ 4,601,411 ** Direct financing leases: Net minimum lease payments to be received $ 43,888 $ 49,362 Estimated unguaranteed residual values of leased assets 165 165 Unearned lease/residual income (4,003) (4,336) 40,050 45,191 Plus deferred lease origination costs, net of fees 387 568 40,437 45,759 Less allowance for credit losses (1,589) (1,546) $ 38,848 $ 44,213 * Includes equipment financing agreements outstanding at m2, totaling $253.4 million and $225.1 million as of June 30, 2022 and December 31, 2021, respectively and PPP loans totaling $79 thousand and $28.2 million as of June 30, 2022 and December 31, 2021, respectively. Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. * Includes residential real estate loans held for sale totaling $1.2 million and $3.8 million as of June 30, 2022 and December 31, 2021, respectively.
Aging of the loan/lease portfolio by classes of loans/leases	As of June 30, 2022 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I: C&I - revolving $ 322,258 $ — $ — $ — $ — $ 322,258 C&I - other 1,397,799 3,136 1,038 1 1,715 1,403,689 CRE - owner occupied 626,209 — — — 2,356 628,565 CRE - non-owner occupied 882,587 — — — 6,943 889,530 Construction and land development 1,071,748 — 63 — 8,561 1,080,372 Multi-family 860,742 — — — — 860,742 Direct financing leases 38,940 213 43 — 854 40,050 1-4 family real estate 469,737 96 165 267 2,876 473,141 Consumer 99,194 50 43 — 269 99,556 $ 5,769,214 $ 3,495 $ 1,352 $ 268 $ 23,574 $ 5,797,903 As a percentage of total loan/lease portfolio 99.51 % 0.06 % 0.02 % 0.00 % 0.41 % 100.00 % As of December 31, 2021 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I C&I - revolving $ 248,483 $ — $ — $ — $ — $ 248,483 C&I - other 1,337,034 859 7,308 1 1,400 1,346,602 CRE - owner occupied 421,701 — — — — 421,701 CRE - non-owner occupied 646,500 — — — — 646,500 Construction and land development 918,498 — — — 73 918,571 Multi-family 600,412 — — — — 600,412 Direct financing leases 44,174 10 160 — 847 45,191 1-4 family real estate 374,912 1,325 716 — 408 377,361 Consumer 75,272 8 — — 31 75,311 $ 4,666,986 $ 2,202 $ 8,184 $ 1 $ 2,759 $ 4,680,132 As a percentage of total loan/lease portfolio 99.57 % 0.05 % 0.17 % 0.00 % 0.06 % 100.00 %
NPLs by classes of loans/leases	As of June 30, 2022 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 1 1,547 168 1,716 7.20 CRE - owner occupied — 1,859 497 2,356 9.88 CRE - non-owner occupied — 70 6,873 6,943 29.12 Construction and land development — 6,879 1,682 8,561 35.91 Multi-family — — — — - Direct financing leases — 854 — 854 3.58 1-4 family real estate 267 1,575 1,301 3,143 13.18 Consumer — 269 — 269 1.13 $ 268 $ 13,053 $ 10,521 $ 23,842 100.00 % As of December 31, 2021 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 1 1,130 270 1,401 50.77 CRE - owner occupied — — — — - CRE - non-owner occupied — — — — - Construction and land development — 73 — 73 2.64 Multi-family — — — — - Direct financing leases — 115 732 847 30.69 1-4 family real estate — 408 — 408 14.78 Consumer — 31 — 31 1.12 $ 1 $ 1,757 $ 1,002 $ 2,760 100.00 %
Allowance for credit losses on financing receivables	Changes in the ACL loans/leases by portfolio segment for the three and six months ended June 30, 2022 and 2021, respectively, are presented as follows: Three Months Ended June 30, 2022 CRE CRE Construction 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Family Revolving Other* Occupied Occupied Development Family Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 3,619 $ 25,437 $ 7,897 $ 7,857 $ 14,671 $ 10,336 $ 4,154 $ 815 $ 74,786 Initial ACL recorded for PCD loans 600 7 2,481 1,076 1,100 481 137 20 5,902 Provision 960 2,864 686 3,309 617 1,966 1,222 517 12,141 Charge-offs — (426) — (193) — — — (1) (620) Recoveries — 211 1 — — — — 4 216 Balance, ending $ 5,179 $ 28,093 $ 11,065 $ 12,049 $ 16,388 $ 12,783 $ 5,513 $ 1,355 $ 92,425 Six Months Ended June 30, 2022 CRE CRE Construction 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Family Revolving Other* Occupied Occupied Development Family Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 3,907 $ 25,982 $ 8,501 $ 8,549 $ 16,972 $ 9,339 $ 4,541 $ 930 $ 78,721 Initial ACL recorded for PCD loans 600 7 2,481 1,076 1,100 481 137 20 5,902 Provision** 672 2,533 77 2,489 (1,684) 2,963 835 407 8,292 Charge-offs — (875) — (193) — — — (8) (1,076) Recoveries — 446 6 128 — — — 6 586 Balance, ending $ 5,179 $ 28,093 $ 11,065 $ 12,049 $ 16,388 $ 12,783 $ 5,513 $ 1,355 $ 92,425 * Included within the C&I – Other column are ACL on leases with a beginning balance of $1.5 million, provision of $185 thousand, charge-offs of $109 thousand and recoveries of $48 thousand. ACL on leases was $1.6 million as of June 30, 2022. Provision for the three and six months ended June 30, 2022, included $11.0 million related to the acquired Guaranty Bank non-PCD loans. * Included within the C&I - Other column are ACL on leases with a beginning balance of $1.5 million, provision of $158 thousand, charge-offs of $223 thousand and recoveries of $108 thousand. ACL on leases was $1.6 million as of June 30, 2022. Three Months Ended June 30, 2021 CRE CRE Construction Direct Residential 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Financing Real Family C&I Revolving Other* CRE Occupied Occupied Development Family Leases Estate Real Estate Consumer Total (dollars in thousands) Balance, beginning $ — $ 3,547 $ 33,167 $ — $ 9,147 $ 11,155 $ 12,327 $ 6,278 $ — $ — $ 5,165 $ 1,045 $ 81,831 Provision — (370) (2) — (1,121) (376) 1,313 849 — — (105) (329) (141) Charge-offs — — (998) — — (1,876) — (150) — — (646) (4) (3,674) Recoveries — — 158 — (6) 8 — — — — 511 207 878 Balance, ending $ — $ 3,177 $ 32,325 $ — $ 8,020 $ 8,911 $ 13,640 $ 6,977 $ — $ — $ 4,925 $ 919 $ 78,894 Six Months Ended June 30, 2021 CRE CRE Construction Direct Residential 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Financing Real Family C&I Revolving Other** CRE Occupied Occupied Development Family Leases Estate Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 35,421 $ — $ — $ 42,161 $ — $ — $ — $ — $ 1,764 $ 3,732 $ — $ 1,298 $ 84,376 Adoption of ASU 2016-13 (35,421) 2,982 29,130 (42,161) 8,696 11,428 11,999 5,836 (1,764) (3,732) 5,042 (137) (8,102) Provision — 195 4,547 — (670) (662) 1,641 1,291 — — 56 (546) 5,852 Charge-offs — — (1,666) — — (1,876) — (150) — — (690) (5) (4,387) Recoveries — — 314 — (6) 21 — — — — 517 309 1,155 Balance, ending $ — $ 3,177 $ 32,325 $ — $ 8,020 $ 8,911 $ 13,640 $ 6,977 $ — $ — $ 4,925 $ 919 $ 78,894 * Included within the C&I – Other column are ACL on leases with adoption impact of $2.2 million, negative provision of $144 thousand, charge-offs of $130 thousand and recoveries of $58 thousand. ACL on leases was $2.0 million as of June 30, 2021. ** Included within the C&I – Other column are ACL on leases with a beginning balance of $1.8 million, adoption impact of $685 thousand, negative provision of $279 thousand, charge-offs of $328 thousand and recoveries of $134 thousand. ACL on leases was $2.0 million as of June 30, 2021. The composition of the ACL loans/leases by portfolio segment based on evaluation method are as follows: As of June 30, 2022 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I - revolving $ 3,458 $ 318,800 $ 322,258 $ 933 $ 4,246 $ 5,179 C&I - other* 12,569 1,431,170 1,443,739 2,410 25,683 28,093 16,027 1,749,970 1,765,997 3,343 29,929 33,272 CRE - owner occupied 24,440 604,125 628,565 3,046 8,019 11,065 CRE - non-owner occupied 28,618 860,912 889,530 826 11,223 12,049 Construction and land development 18,986 1,061,386 1,080,372 1,669 14,719 16,388 Multi-family 1,300 859,442 860,742 393 12,390 12,783 1-4 family real estate 4,978 468,163 473,141 418 5,095 5,513 Consumer 609 98,947 99,556 59 1,296 1,355 $ 94,958 $ 5,702,945 $ 5,797,903 $ 9,754 $ 82,671 $ 92,425 * Included within the C&I – Other category are leases individually evaluated of $854 thousand with a related allowance for credit losses of $351 thousand and leases collectively evaluated of $39.3 million with a related allowance for credit losses of $1.2 million. As of December 31, 2021 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I - revolving $ 2,638 $ 245,845 $ 248,483 $ 168 $ 3,739 $ 3,907 C&I - other* 13,456 1,378,337 1,391,793 743 25,239 25,982 16,094 1,624,182 1,640,276 911 28,978 29,889 CRE - owner occupied 3,841 417,860 421,701 1,264 7,237 8,501 CRE - non-owner occupied 25,006 621,494 646,500 — 8,549 8,549 Construction and land development 10,436 908,135 918,571 11 16,961 16,972 Multi-family — 600,412 600,412 — 9,339 9,339 1-4 family real estate 2,950 374,411 377,361 329 4,212 4,541 Consumer 350 74,961 75,311 39 891 930 $ 58,677 $ 4,621,455 $ 4,680,132 $ 2,554 $ 76,167 $ 78,721 * Included within the C&I – Other category are leases individually evaluated of $847 thousand with a related allowance for credit losses of $35 thousand and leases collectively evaluated of $44.4 million with a related allowance for credit losses of $1.5 million.
Schedule of loans receivable by collateral type	As of June 30, 2022 Non Commercial Owner-occupied Owner-Occupied Owner Occupied Assets CRE Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - revolving $ 3,353 $ — $ — $ — $ — $ 105 $ — $ 3,458 C&I - other* 2,063 214 — — 122 7,637 2,533 12,569 5,416 214 — — 122 7,742 2,533 16,027 CRE - owner occupied — 24,374 — 66 — — — 24,440 CRE - non-owner occupied — — 28,618 — — — — 28,618 Construction and land development — — 18,986 — — — — 18,986 Multi-family — — 1,300 — — — — 1,300 1-4 family real estate — — 2,017 2,961 — — — 4,978 Consumer — — — 602 — — 7 609 $ 5,416 $ 24,802 $ 50,921 $ 3,629 $ 122 $ 7,742 $ 2,540 $ 94,958 * Included within the C&I – Other category are leases individually evaluated of $854 thousand with primary collateral of equipment. As of December 31, 2021 Non Commercial Owner-Occupied Owner Occupied Assets Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - revolving $ 2,518 $ — $ — $ — $ 120 $ — $ 2,638 C&I - other* 683 — 2,471 134 9,877 291 13,456 3,201 — 2,471 134 9,997 291 16,094 CRE - owner occupied — — 3,841 — — — 3,841 CRE - non-owner occupied — 25,006 — — — — 25,006 Construction and land development — 10,362 74 — — — 10,436 Multi-family — — — — — — — 1-4 family real estate — 817 2,133 — — — 2,950 Consumer — — 340 — 1 9 350 $ 3,201 $ 36,185 $ 8,859 $ 134 $ 9,998 $ 300 $ 58,677 * Included within the C&I – Other category are leases individually evaluated of $847 thousand with primary collateral of equipment.
Schedule of financing receivable credit quality indicators based on internally assigned Risk rating	As of June 30, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2022 2021 2020 2019 2018 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 316,980 $ 316,980 Special Mention (Rating 6) — — — — — — 1,820 1,820 Substandard (Rating 7) — — — — — — 3,458 3,458 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 322,258 $ 322,258 C&I - other Pass (Ratings 1 through 5) $ 250,926 $ 298,050 $ 275,254 $ 116,262 $ 78,628 $ 120,831 $ — $ 1,139,951 Special Mention (Rating 6) 365 20 19 20 — 323 — 747 Substandard (Rating 7) 2,396 205 763 5,729 348 165 — 9,606 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 253,687 $ 298,275 $ 276,036 $ 122,011 $ 78,976 $ 121,319 $ — $ 1,150,304 CRE - owner occupied Pass (Ratings 1 through 5) $ 91,565 $ 184,453 $ 168,819 $ 48,013 $ 31,918 $ 58,119 $ 16,268 $ 599,155 Special Mention (Rating 6) 1,730 — 2,915 — 145 1,786 — 6,576 Substandard (Rating 7) 1,981 1,073 16,802 1,260 1,218 500 — 22,834 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 95,276 $ 185,526 $ 188,536 $ 49,273 $ 33,281 $ 60,405 $ 16,268 $ 628,565 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 178,954 $ 216,956 $ 203,144 $ 92,322 $ 60,792 $ 58,123 $ 6,379 $ 816,670 Special Mention (Rating 6) 1,825 4,244 13,809 1,757 15,733 7,205 — 44,573 Substandard (Rating 7) — 720 11,895 15,391 — — 281 28,287 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 180,779 $ 221,920 $ 228,848 $ 109,470 $ 76,525 $ 65,328 $ 6,660 $ 889,530 Construction and land development Pass (Ratings 1 through 5) $ 184,842 $ 358,523 $ 254,180 $ 77,982 $ 34,553 $ — $ 19,253 $ 929,333 Special Mention (Rating 6) 328 163 — — — — — 491 Substandard (Rating 7) 4,794 11,814 — — — 25 — 16,633 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 189,964 $ 370,500 $ 254,180 $ 77,982 $ 34,553 $ 25 $ 19,253 $ 946,457 Multi-family Pass (Ratings 1 through 5) $ 139,369 $ 266,098 $ 233,484 $ 102,945 $ 104,833 $ 10,066 $ 2,598 $ 859,393 Special Mention (Rating 6) — 49 — — — — — 49 Substandard (Rating 7) — — 1,300 — — — — 1,300 Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 139,369 $ 266,147 $ 234,784 $ 102,945 $ 104,833 $ 10,066 $ 2,598 $ 860,742 1-4 family real estate Pass (Ratings 1 through 5) $ 23,427 $ 41,055 $ 18,981 $ 13,400 $ 5,895 $ 6,567 $ 2,297 $ 111,622 Special Mention (Rating 6) — 302 — — — — — 302 Substandard (Rating 7) — — 177 — 430 198 — 805 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 23,427 $ 41,357 $ 19,158 $ 13,400 $ 6,325 $ 6,765 $ 2,297 $ 112,729 Consumer Pass (Ratings 1 through 5) $ 168 $ 859 $ 465 $ 92 $ 206 $ 716 $ 1,650 $ 4,156 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — — — — — 125 — 125 Doubtful (Rating 8) — — — — — — — — Total Consumer $ 168 $ 859 $ 465 $ 92 $ 206 $ 841 $ 1,650 $ 4,281 Total $ 882,670 $ 1,384,584 $ 1,202,007 $ 475,173 $ 334,699 $ 264,749 $ 370,984 $ 4,914,866 As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2021 2020 2019 2018 2017 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 245,212 $ 245,212 Special Mention (Rating 6) — — — — — — 633 633 Substandard (Rating 7) — — — — — — 2,638 2,638 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 248,483 $ 248,483 C&I - other Pass (Ratings 1 through 5) $ 391,532 $ 362,256 $ 133,678 $ 82,177 $ 83,419 $ 53,310 $ — $ 1,106,372 Special Mention (Rating 6) 3,580 373 349 — 336 2 — 4,640 Substandard (Rating 7) 506 2,366 7,138 396 55 46 — 10,507 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 395,618 $ 364,995 $ 141,165 $ 82,573 $ 83,810 $ 53,358 $ — $ 1,121,519 CRE - owner occupied Pass (Ratings 1 through 5) $ 118,014 $ 143,045 $ 47,660 $ 30,523 $ 17,038 $ 46,185 $ 11,477 $ 413,942 Special Mention (Rating 6) 637 — — 233 1,846 1,202 — 3,918 Substandard (Rating 7) — — 2,080 1,239 522 — — 3,841 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 118,651 $ 143,045 $ 49,740 $ 31,995 $ 19,406 $ 47,387 $ 11,477 $ 421,701 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 176,813 $ 145,712 $ 88,697 $ 63,849 $ 55,752 $ 28,808 $ 8,592 $ 568,223 Special Mention (Rating 6) 7,295 20,881 1,802 12,230 5,494 5,580 — 53,282 Substandard (Rating 7) 1,105 6,297 15,563 1,087 943 — — 24,995 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 185,213 $ 172,890 $ 106,062 $ 77,166 $ 62,189 $ 34,388 $ 8,592 $ 646,500 Construction and land development Pass (Ratings 1 through 5) $ 394,045 $ 248,360 $ 126,941 $ 106,790 $ 3,012 $ — $ 13,277 $ 892,425 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) 10,362 — — — — — — 10,362 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 404,407 $ 248,360 $ 126,941 $ 106,790 $ 3,012 $ — $ 13,277 $ 902,787 Multi-family Pass (Ratings 1 through 5) $ 266,120 $ 197,224 $ 74,033 $ 47,486 $ 5,609 $ 7,376 $ 2,564 $ 600,412 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — — — — — — — — Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 266,120 $ 197,224 $ 74,033 $ 47,486 $ 5,609 $ 7,376 $ 2,564 $ 600,412 1-4 family real estate Pass (Ratings 1 through 5) $ 47,097 $ 24,029 $ 16,188 $ 7,569 $ 5,845 $ 5,213 $ 3,079 $ 109,020 Special Mention (Rating 6) 37 — — — — — — 37 Substandard (Rating 7) — 178 — 437 201 — — 816 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 47,134 $ 24,207 $ 16,188 $ 8,006 $ 6,046 $ 5,213 $ 3,079 $ 109,873 Consumer Pass (Ratings 1 through 5) $ 1,558 $ 487 $ 108 $ 216 $ — $ 824 $ 2,031 $ 5,224 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — — — 137 — — — 137 Doubtful (Rating 8) — — — — — — — — Total Consumer $ 1,558 $ 487 $ 108 $ 353 $ — $ 824 $ 2,031 $ 5,361 Total $ 1,418,701 $ 1,151,208 $ 514,237 $ 354,369 $ 180,072 $ 148,546 $ 289,503 $ 4,056,636
Schedule of financing receivable credit quality indicators based on delinquency status	As of June 30, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2022 2021 2020 2019 2018 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 117,018 $ 85,405 $ 33,432 $ 12,475 $ 3,539 $ 390 $ — $ 252,259 Nonperforming 47 1,007 62 10 — — — 1,126 Total C&I - other $ 117,065 $ 86,412 $ 33,494 $ 12,485 $ 3,539 $ 390 $ — $ 253,385 Construction and land development Performing $ 61,963 $ 57,234 $ 6,234 $ 4,747 $ 218 $ 471 $ 757 $ 131,624 Nonperforming 524 — 1,767 — — — — 2,291 Total Construction and land development $ 62,487 $ 57,234 $ 8,001 $ 4,747 $ 218 $ 471 $ 757 $ 133,915 Direct financing leases Performing $ 15,481 $ 6,173 $ 7,528 $ 5,914 $ 3,234 $ 866 $ — $ 39,196 Nonperforming — 779 75 — — — — 854 Total Direct financing leases $ 15,481 $ 6,952 $ 7,603 $ 5,914 $ 3,234 $ 866 $ — $ 40,050 1-4 family real estate Performing $ 46,135 $ 119,804 $ 100,058 $ 20,613 $ 13,705 $ 57,076 $ 950 $ 358,341 Nonperforming — 85 1,728 7 — 251 — 2,071 Total 1-4 family real estate $ 46,135 $ 119,889 $ 101,786 $ 20,620 $ 13,705 $ 57,327 $ 950 $ 360,412 Consumer Performing $ 6,124 $ 5,263 $ 4,333 $ 1,992 $ 1,588 $ 1,742 $ 73,964 $ 95,006 Nonperforming 149 12 13 14 33 48 — 269 Total Consumer $ 6,273 $ 5,275 $ 4,346 $ 2,006 $ 1,621 $ 1,790 $ 73,964 $ 95,275 Total $ 247,441 $ 275,762 $ 155,230 $ 45,772 $ 22,317 $ 60,844 $ 75,671 $ 883,037 * Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual and accruing loans/leases that are greater than or equal to 90 days past due. As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2021 2020 2019 2018 2017 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 117,163 $ 54,261 $ 33,390 $ 14,274 $ 4,200 $ 455 $ — $ 223,743 Nonperforming 95 177 644 368 42 14 — 1,340 Total C&I - other $ 117,258 $ 54,438 $ 34,034 $ 14,642 $ 4,242 $ 469 $ — $ 225,083 Direct financing leases Performing $ 6,690 $ 12,130 $ 11,638 $ 9,235 $ 3,695 $ 956 $ — $ 44,344 Nonperforming — 732 — 52 18 45 — 847 Total Direct financing leases $ 6,690 $ 12,862 $ 11,638 $ 9,287 $ 3,713 $ 1,001 $ — $ 45,191 Construction and land development Performing $ 12,857 $ 2,080 $ — $ 494 $ — $ — $ 280 $ 15,711 Nonperforming — — — — 73 — — 73 Total Construction and land development $ 12,857 $ 2,080 $ — $ 494 $ 73 $ — $ 280 $ 15,784 1-4 family real estate Performing $ 104,005 $ 78,713 $ 19,001 $ 10,784 $ 10,533 $ 43,976 $ 68 $ 267,080 Nonperforming — — — 106 — 302 — 408 Total 1-4 family real estate $ 104,005 $ 78,713 $ 19,001 $ 10,890 $ 10,533 $ 44,278 $ 68 $ 267,488 Consumer Performing $ 4,891 $ 4,020 $ 2,114 $ 1,660 $ 593 $ 1,230 $ 55,411 $ 69,919 Nonperforming — — 15 — 15 1 — 31 Total Consumer $ 4,891 $ 4,020 $ 2,129 $ 1,660 $ 608 $ 1,231 $ 55,411 $ 69,950 Total $ 245,701 $ 152,113 $ 66,802 $ 36,973 $ 19,169 $ 46,979 $ 55,759 $ 623,496
Number and recorded investment of TDRs, by type of concession	For the three months ended June 30, 2022 For the six months ended June 30, 2022 Pre- Post- Pre- Post- Number of Modification Modification Number of Modification Modification Loans/ Recorded Recorded Specific Loans/ Recorded Recorded Specific Classes of Loans/Leases Leases Investment Investment Allowance Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay Direct Financing Leases 1 $ 51 $ 51 $ — 1 $ 51 $ 51 $ — For the three months ended June 30, 2021 For the six months ended June 30, 2021 Pre- Post- Pre- Post- Number of Modification Modification Number of Modification Modification Loans/ Recorded Recorded Specific Loans/ Recorded Recorded Specific Classes of Loans/Leases Leases Investment Investment Allowance Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Extension of Maturity Consumer 1 $ 2,532 $ 2,532 $ 182 1 $ 2,532 $ 2,532 $ 182 CONCESSION - Interest Rate Adjusted Below Market 1-4 family real estate 1 $ 54 $ 54 $ 6 1 $ 54 $ 54 $ 6 Consumer 1 13 13 1 1 13 13 1 2 $ 67 $ 67 $ 7 2 $ 67 $ 67 $ 7 TOTAL 3 $ 2,599 $ 2,599 $ 189 3 $ 2,599 $ 2,599 $ 189
Unfunded Loan Commitment
Notes Tables
Financing receivable credit quality indicators	Three Months Ended Six Months Ended June 30, 2022 June 30, 2021 June 30, 2022 June 30, 2021 (dollars in thousands) Balance, beginning $ 7,819 $ 9,846 $ 6,886 $ — Impact of adopting ASU 2016-13 — — — 9,117 Provisions (credited) to expense (941) 141 (8) 870 Balance, ending $ 6,878 $ 9,987 $ 6,878 $ 9,987 * Provision for the three and six months ended June 30, 2022, included $1.4 million related to the acquired Guaranty Bank OBS exposures

Note 5 - DERIVATIVES AND HEDG_2

Note 5 - DERIVATIVES AND HEDGING ACTIVITIES (Tables)	6 Months Ended
Note 5 - DERIVATIVES AND HEDGING ACTIVITIES (Tables)	Jun. 30, 2022
Notes Tables
Summary of derivatives	June 30, 2022 December 31, 2021 (dollars in thousands) Assets: Interest rate caps - hedged $ 6,108 $ 927 Interest rate caps 1,576 238 Interest rate swaps - hedged 126 — Interest rate swaps 89,645 221,055 $ 97,455 $ 222,220 Liabilities: Interest rate swaps - hedged $ (23,660) $ (4,080) Interest rate swaps (89,645) (221,055) $ (113,305) $ (225,135)
Schedule of hedged interest rate swaps and non-hedged interest rate swaps are collateralized by investment securities with carrying values	June 30, 2022 December 31, 2021 (dollars in thousands) Cash $ 1,720 $ 21,100 U.S treasuries and govt. sponsored agency securities 3,497 3,555 Municipal securities 109,018 139,166 Residential mortgage-backed and related securities 55,895 65,104 $ 170,130 $ 228,925
Summary of impact of AOCI	Three Months Ended June 30, 2022 Three Months Ended June 30, 2021 Interest and Interest Interest and Interest Dividend Income Expense Dividend Income Expense (dollars in thousands) Income and expense line items presented in the consolidated statements of income $ 68,205 $ 8,805 $ 48,903 $ 5,387 The effects of cash flow hedging: Gain (loss) on cash flow hedges: Interest rate caps on deposits - 241 - 163 Interest rate swaps on variable rate loans 671 - - - Interest rate swaps on junior subordinated debentures - 196 - 276 Six Months Ended June 30, 2022 Six Months Ended June 30, 2021 Interest and Interest Interest and Interest Dividend Income Expense Dividend Income Expense (dollars in thousands) Income and expense line items presented in the consolidated statements of income $ 119,267 $ 14,134 $ 96,468 $ 10,977 The effects of cash flow hedging: Gain (loss) on cash flow hedges: Interest rate caps on deposits - 462 314 Interest rate swaps on variable rate loans 1,142 - - - Interest rate swaps on junior subordinated debentures - 463 - 545
Interest rate cap
Notes Tables
Schedule of interest rate caps	Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Strike Rate June 30, 2022 December 31, 2021 (dollars in thousands) Deposits 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.75 % $ 122 $ 5 Deposits 1/1/2020 1/1/2023 Derivatives - Assets 50,000 1.57 % 219 11 Deposits 1/1/2020 1/1/2023 Derivatives - Assets 25,000 1.80 % 109 5 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.75 % 529 60 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 50,000 1.57 % 1,081 125 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.80 % 540 62 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.75 % 861 161 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 50,000 1.57 % 1,765 332 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.80 % 882 166 $ 300,000 $ 6,108 $ 927
Changes in the fair value of the underlying derivative contracts	Balance Sheet Fair Value as of Effective Date Maturity Date Location Notional Amount Strike Rate June 30, 2022 December 31, 2021 (dollars in thousands) 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.90 % $ 119 $ 3 2/1/2020 2/1/2024 Derivatives - Assets 25,000 1.90 % 555 62 3/1/2020 3/1/2025 Derivatives - Assets 25,000 1.90 % 902 173 $ 75,000 $ 1,576 $ 238
Interest rate swap
Notes Tables
Schedule of interest rate caps	Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate June 30, 2022 December 31, 2021 (dollars in thousands) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities $ 35,000 1.40 % 1.79 % $ (4,038) $ (17) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 50,000 1.40 % 1.79 % (5,768) (25) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 40,000 1.40 % 1.79 % (4,627) (34) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 25,000 1.40 % 1.79 % (2,884) (13) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 15,000 1.91 % 1.79 % (630) N/A Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 50,000 1.91 % 1.79 % (2,100) N/A Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 35,000 1.91 % 1.79 % (1,470) N/A Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 50,000 1.91 % 1.79 % (2,100) N/A $ 300,000 $ (23,617) $ (89) Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate June 30, 2022 December 31, 2021 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Derivatives - Liabilities $ 10,000 3.86 % 5.85 % $ (12) $ (1,035) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Derivatives - Liabilities 8,000 3.86 % 5.85 % (9) (828) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Derivatives - Liabilities 10,000 1.79 % 4.54 % (3) (996) Community National Statutory Trust II 9/20/2018 9/20/2028 Derivatives - Liabilities 3,000 3.10 % 5.17 % (4) (309) Community National Statutory Trust III 9/15//2018 9/15/2028 Derivatives - Liabilities 3,500 2.58 % 4.75 % (7) (360) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Derivatives - Liabilities 4,500 2.58 % 4.75 % (8) (463) Guaranty Statutory Trust II* 12/15/2005 2/23/2036 Derivatives - Liabilities 10,310 2.95 % 4.09 % 126 N/A $ 49,310 $ 83 $ (3,991)
Changes in the fair value of the underlying derivative contracts	June 30, 2022 December 31, 2021 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ 2,213,781 $ 89,645 $ 2,024,599 $ 221,055 Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 2,213,781 $ 89,645 $ 2,024,599 $ 221,055

Note 6 - INCOME TAXES (Tables)

Note 6 - INCOME TAXES (Tables)	6 Months Ended
Note 6 - INCOME TAXES (Tables)	Jun. 30, 2022
Notes Tables
Reconciliation of the expected federal income tax expense	For the Three Months Ended June 30, For the Six Months Ended June 30, 2022 2021 2022 2021 % of % of % of % of Pretax Pretax Pretax Pretax Amount Income Amount Income Amount Income Amount Income (dollars in thousands) Computed "expected" tax expense $ 3,514 21.0 % $ 5,699 21.0 % $ 8,965 21.0 % $ 10,219 21.0 % Tax exempt income, net (2,476) (14.8) (1,802) (6.6) (4,698) (11.0) (3,521) (7.2) Bank-owned life insurance (73) (0.4) (95) (0.4) (146) (0.3) (194) (0.4) State income taxes, net of federal benefit, current year 982 5.9 1,247 4.6 2,273 5.3 2,271 4.7 Provision adjustment from accounting method change — — — — (1,181) (2.8) — — Tax credits (289) (1.7) (57) (0.2) (531) (1.2) (114) (0.2) Income from tax credit equity investments 158 0.9 — — (143) (0.3) — — Acquisition costs 242 1.4 — — 372 0.9 — — Excess tax benefit on stock options exercised and restricted stock awards vested (40) (0.2) (40) (0.1) (474) (1.1) (204) (0.4) Other (526) (3.2) (164) (0.7) (612) (1.5) (128) (0.3) Federal and state income tax expense $ 1,492 8.9 % $ 4,788 17.6 % $ 3,825 9.0 % $ 8,329 17.2 %

Note 7 - EARNINGS PER SHARE (Ta

Note 7 - EARNINGS PER SHARE (Tables)	6 Months Ended
Note 7 - EARNINGS PER SHARE (Tables)	Jun. 30, 2022
Earnings per Share
Schedule of computation of earnings per share on a basic and diluted basis	Three months ended Six months ended June 30, June 30, 2022 2021 2022 2021 (dollars in thousands, except share data) Net income $ 15,242 $ 22,349 $ 38,866 $ 40,331 Basic EPS $ 0.88 $ 1.41 $ 2.36 $ 2.55 Diluted EPS $ 0.87 $ 1.39 $ 2.33 $ 2.52 Weighted average common shares outstanding 17,345,324 15,813,932 16,485,218 15,808,788 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 203,783 231,307 215,464 226,606 Weighted average common and common equivalent shares outstanding 17,549,107 16,045,239 16,700,682 16,035,394

Note 8 - FAIR VALUE (Tables)

Note 8 - FAIR VALUE (Tables)	6 Months Ended
Note 8 - FAIR VALUE (Tables)	Jun. 30, 2022
Notes Tables
Schedule of assets measured at fair value	Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (dollars in thousands) June 30, 2022: Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 20,448 $ — $ 20,448 $ — Residential mortgage-backed and related securities 81,247 — 81,247 — Municipal securities 202,985 — 202,985 — Asset-backed securities 19,956 — 19,956 — Other securities 46,777 — 46,777 — Derivatives 97,455 — 97,455 — Total assets measured at fair value $ 468,868 $ — $ 468,868 $ — Derivatives $ 113,305 $ — $ 113,305 $ — Total liabilities measured at fair value $ 113,305 $ — $ 113,305 $ — December 31, 2021: Securities AFS: U.S. govt. sponsored agency securities $ 23,328 $ — $ 23,328 $ — Residential mortgage-backed and related securities 94,323 — 94,323 — Municipal securities 168,266 — 168,266 — Asset-backed securities 27,124 — 27,124 — Other securities 24,789 — 24,789 — Derivatives 222,220 — 222,220 — Total assets measured at fair value $ 560,050 $ — $ 560,050 $ — Derivatives $ 225,135 $ — $ 225,135 $ — Total liabilities measured at fair value $ 225,135 $ — $ 225,135 $ — Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) June 30, 2022: Loans/leases evaluated individually $ 49,334 $ — $ — $ 49,334 OREO 221 — — 221 $ 49,555 $ — $ — $ 49,555 December 31, 2021: Loans/leases evaluated individually $ 6,618 $ — $ — $ 6,618
Schedule of assets measured at fair value, valuation techniques	Quantitative Information about Level Fair Value Measurements Fair Value Fair Value June 30, December 31, 2022 2021 Valuation Technique Unobservable Input Range (dollars in thousands) Loans/leases evaluated individually $ 49,334 $ 6,618 Appraisal of collateral Appraisal adjustments -10.00 % to -30.00 %
Schedule of assets and liabilities measured at fair value	Fair Value As of June 30, 2022 As of December 31, 2021 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 92,379 $ 92,379 $ 37,490 $ 37,490 Federal funds sold Level 2 2,150 2,150 12,370 12,370 Interest-bearing deposits at financial institutions Level 2 54,382 54,382 75,292 75,292 Investment securities: HTM Level 2 508,505 497,954 472,385 522,297 AFS Level 2 371,413 371,413 337,830 337,830 Loans/leases receivable, net Level 3 45,680 49,334 6,128 6,618 Loans/leases receivable, net Level 2 5,659,798 5,662,328 4,595,283 4,478,899 Derivatives Level 2 97,455 97,455 222,220 222,220 Deposits: Nonmaturity deposits Level 2 5,259,509 5,259,509 4,501,424 4,501,424 Time deposits Level 2 561,148 546,315 421,348 419,453 Short-term borrowings Level 2 1,070 1,070 3,800 3,800 FHLB advances Level 2 400,000 400,000 15,000 15,000 Subordinated notes Level 2 133,562 136,175 113,850 116,203 Junior subordinated debentures Level 2 48,534 41,970 38,155 31,072 Derivatives Level 2 113,305 113,305 225,135 225,135

Note 9 - BUSINESS SEGMENT INF_2

Note 9 - BUSINESS SEGMENT INFORMATION (Tables)	6 Months Ended
Note 9 - BUSINESS SEGMENT INFORMATION (Tables)	Jun. 30, 2022
Notes Tables
Schedule of business segment information	Commercial Banking Intercompany Consolidated QCBT CRBT CSB GB* All other Eliminations Total (dollars in thousands) Three Months Ended June 30, 2022 Total revenue $ 23,722 $ 31,715 $ 12,091 $ 23,669 $ 26,795 $ (27,005) $ 90,987 Net interest income 18,540 15,093 9,851 18,065 (2,494) 345 59,400 Provision for credit losses 617 (165) 100 10,648 — — 11,200 Net income (loss) from continuing operations 8,425 13,256 3,374 1,027 15,612 (26,452) 15,242 Goodwill 3,223 14,980 9,888 109,516 — — 137,607 Intangibles — 1,463 2,340 14,530 — — 18,333 Total assets 2,122,852 1,985,198 1,221,406 2,037,364 949,955 (923,834) 7,392,941 Three Months Ended June 30, 2021 Total revenue $ 21,676 $ 26,498 $ 10,809 $ 9,181 $ 137 $ (102) $ 68,199 Net interest income 16,152 14,005 8,672 6,479 (2,119) 327 43,516 Provision for loan/lease losses 136 (692) 756 (200) — — — Net income (loss) from continuing operations 8,679 11,145 3,109 3,685 22,320 (26,589) 22,349 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,946 2,979 5,440 — — 10,365 Total assets 2,059,634 1,913,761 1,079,930 850,067 81,076 (179,303) 5,805,165 Six Months Ended June 30, 2022 Total revenue $ 46,202 $ 56,926 $ 23,407 $ 31,513 $ 55,707 $ (56,073) $ 157,682 Net interest income 35,854 29,416 19,182 24,593 (4,603) 691 105,133 Provision for loan/lease losses (642) (936) (285) 10,147 — — 8,284 Net income (loss) from continuing operations 18,395 24,385 7,500 4,131 39,439 (54,984) 38,866 Goodwill 3,223 14,980 9,888 109,516 — — 137,607 Intangibles — 1,463 2,340 14,530 — — 18,333 Total assets 2,122,852 1,985,198 1,221,406 2,037,364 949,955 (923,834) 7,392,941 Six Months Ended June 30, 2021 Total revenue $ 42,960 $ 56,855 $ 21,232 $ 17,927 $ 503 $ (224) $ 139,253 Net interest income 31,938 27,611 17,040 12,548 (4,221) 575 85,491 Provision for loan/lease losses 2,248 1,492 2,122 851 — — 6,713 Net income (loss) from continuing operations 15,843 22,541 5,171 5,954 40,268 (49,446) 40,331 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,946 2,979 5,440 — — 10,365 Total assets 2,059,634 1,913,761 1,079,930 850,067 81,076 (179,303) 5,805,165 * On April 1, 2022, the Company acquired GFED and merged its subsidiary bank, Guaranty Bank, into Springfield First Community Bank with the combined bank operating under the Guaranty Bank name.

Note 10 - REGULATORY CAPITAL _2

Note 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)	6 Months Ended
Note 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)	Jun. 30, 2022
Notes Tables
Schedule of the company and the subsidiary banks actual capital amounts and ratios	For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio ( dollars in thousands) As of June 30, 2022: Company: Total risk-based capital $ 907,484 13.40 % $ 543,913 > 8.00 % $ 713,885 > 10.50 % $ 679,891 > 10.00 % Tier 1 risk-based capital 689,200 10.18 407,934 > 6.00 577,907 > 8.50 543,913 > 8.00 Tier 1 leverage 689,200 9.61 286,877 > 4.00 286,877 > 4.00 358,596 > 5.00 Common equity Tier 1 640,666 9.46 305,951 > 4.50 475,923 > 7.00 441,929 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 257,008 13.73 % $ 149,733 > 8.00 % $ 196,525 > 10.50 % $ 187,166 > 10.00 % Tier 1 risk-based capital 233,523 12.48 112,300 > 6.00 159,091 > 8.50 149,733 > 8.00 Tier 1 leverage 233,523 10.74 87,009 > 4.00 87,009 > 4.00 108,761 > 5.00 Common equity Tier 1 233,523 12.48 84,225 > 4.50 131,016 > 7.00 121,658 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 276,943 14.39 % $ 153,929 > 8.00 % $ 202,032 > 10.50 % $ 192,412 > 10.00 % Tier 1 risk-based capital 252,865 13.14 115,447 > 6.00 163,550 > 8.50 153,929 > 8.00 Tier 1 leverage 252,865 12.99 77,854 > 4.00 77,854 > 4.00 97,318 > 5.00 Common equity Tier 1 252,865 13.14 86,585 > 4.50 134,688 > 7.00 125,067 > 6.50 Community State Bank: Total risk-based capital $ 132,136 11.84 % $ 89,251 > 8.00 % $ 117,142 > 10.50 % $ 111,563 > 10.00 % Tier 1 risk-based capital 118,157 10.59 66,938 > 6.00 94,829 > 8.50 89,251 > 8.00 Tier 1 leverage 118,157 9.92 47,630 > 4.00 47,630 > 4.00 59,537 > 5.00 Common equity Tier 1 118,157 10.59 50,204 > 4.50 78,094 > 7.00 72,516 > 6.50 Guaranty Bank: Total risk-based capital $ 220,292 12.08 % $ 148,137 > 8.00 % $ 194,429 > 10.50 % $ 185,171 > 10.00 % Tier 1 risk-based capital 197,467 10.83 111,103 > 6.00 157,395 > 8.50 148,137 > 8.00 Tier 1 leverage 197,467 10.62 74,370 > 4.00 74,370 > 4.00 92,963 > 5.00 Common equity Tier 1 197,467 10.83 83,327 > 4.50 129,620 > 7.00 120,361 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio ( dollars in thousands) As of December 31, 2021: Company: Total risk-based capital $ 814,629 14.77 % $ 441,100 > 8.00 % $ 578,944 > 10.50 % $ 551,375 > 10.00 % Tier 1 risk-based capital 631,649 11.46 330,825 > 6.00 468,669 > 8.50 441,100 > 8.00 Tier 1 leverage 631,649 10.46 241,579 > 4.00 241,579 > 4.00 301,974 > 5.00 Common equity Tier 1 593,494 10.76 248,119 > 4.50 385,962 > 7.00 358,394 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 247,658 13.29 % $ 149,126 > 8.00 % $ 195,727 > 10.50 % $ 186,407 > 10.00 % Tier 1 risk-based capital 224,253 12.03 111,844 > 6.00 158,446 > 8.50 149,126 > 8.00 Tier 1 leverage 224,253 10.45 85,873 > 4.00 85,873 > 4.00 107,341 > 5.00 Common equity Tier 1 224,253 12.03 83,883 > 4.50 130,485 > 7.00 121,164 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 277,673 14.85 % $ 149,595 > 8.00 % $ 196,343 > 10.50 % $ 186,993 > 10.00 % Tier 1 risk-based capital 254,279 13.60 112,196 > 6.00 158,944 > 8.50 149,595 > 8.00 Tier 1 leverage 254,279 12.59 80,777 > 4.00 80,777 > 4.00 100,971 > 5.00 Common equity Tier 1 254,279 13.60 84,147 > 4.50 130,895 > 7.00 121,546 > 6.50 Community State Bank: Total risk-based capital $ 123,365 11.95 % $ 82,601 > 8.00 % $ 108,413 > 10.50 % $ 103,251 > 10.00 % Tier 1 risk-based capital 110,410 10.69 61,951 > 6.00 87,763 > 8.50 82,601 > 8.00 Tier 1 leverage 110,410 9.67 45,676 > 4.00 45,676 > 4.00 57,095 > 5.00 Common equity Tier 1 110,410 10.69 46,463 > 4.50 72,276 > 7.00 67,113 > 6.50 Springfield First Community Bank: Total risk-based capital $ 101,067 13.39 % $ 60,369 > 8.00 % $ 79,235 > 10.50 % $ 75,462 > 10.00 % Tier 1 risk-based capital 91,625 12.14 45,277 > 6.00 64,142 > 8.50 60,369 > 8.00 Tier 1 leverage 91,625 11.08 33,088 > 4.00 33,088 > 4.00 41,360 > 5.00 Common equity Tier 1 91,625 12.14 33,958 > 4.50 52,823 > 7.00 49,050 > 6.50

Note 1 - SUMMARY OF SIGNIFICA_3

Note 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	Jun. 30, 2022 subsidiary
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Number of subsidiaries commercial banks	4

Note 02 - ACQUISITION (Details)

Note 02 - ACQUISITION (Details) $ / shares in Units, $ in Thousands			3 Months Ended	6 Months Ended
	Apr. 01, 2022 USD ($) item $ / shares shares	Mar. 31, 2022 USD ($) $ / shares	Jun. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)
Business Acquisition [Line Items]
Business Combination, Consideration Transferred				$ 144,085
Prepaid of FHLB advances				16,000
Acquisition costs			$ 1,973	3,824
Post-acquisition, compensation, transition and integration costs				4,800
Premises and equipment			16,257	16,257
Core deposit intangible			$ 10,264	$ 10,264
Guaranty Federal Bancshares, Inc
Business Acquisition [Line Items]
Business combination consideration in cash (per share) \| $ / shares	$ 30.50
Business acquisition, equity interest issued or issuable, number of shares \| shares	0.58775
Business combination mixed consideration in cash (per share) \| $ / shares	$ 6.10
Business combination shares issuable mixed consideration \| shares	0.4702
Business acquisition, share price \| $ / shares		$ 56.59
Business Combination, Consideration Transferred	$ 144,085	$ 26,900
Business combination, stock consideration		$ 117,200
Premises and equipment	$ 16,257
Number of branch locations acquired \| item	16
Useful life	39 years
Core deposit intangible	$ 10,264
Estimated useful life of deposits	10 years
Accretable discount of non-PCD loans	$ 12,000
Provision for non-PCD loans acquired.	$ 11,000

Note 02 - ACQUISITION - Fair va

Note 02 - ACQUISITION - Fair value of Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands			6 Months Ended
	Apr. 01, 2022	Mar. 31, 2022	Jun. 30, 2022
ASSETS
Cash and due from banks			$ 171,844
Interest-bearing deposits at financial institutions			17,134
Securities			143,017
Loans/leases receivable, net			801,697
Bank-owned life insurance			32,100
Premises and equipment			16,257
Restricted investment securities			2,220
Other real estate owned			55
Intangibles			10,264
Other assets			23,685
Total assets acquired			1,218,273
LIABILITIES
Deposits			1,076,573
FHLB advances			16,000
Junior subordinated debentures			10,310
Other liabilities			15,225
Total liabilities assumed			1,137,729
Net assets acquired			80,544
Consideration paid:
Common stock			117,214
Total consideration paid			144,085
Goodwill			$ 63,541
Guaranty Federal Bancshares, Inc
ASSETS
Cash and due from banks	$ 171,844
Interest-bearing deposits at financial institutions	17,134
Securities	143,017
Loans/leases receivable, net	801,697
Bank-owned life insurance	32,100
Premises and equipment	16,257
Restricted investment securities	2,220
Other real estate owned	55
Intangibles	10,264
Other assets	23,685
Total assets acquired	1,218,273
LIABILITIES
Deposits	1,076,573
FHLB advances	16,000
Subordinated notes	19,621
Junior subordinated debentures	10,310
Other liabilities	15,225
Total liabilities assumed	1,137,729
Net assets acquired	80,544
Consideration paid:
Cash paid	26,871
Common stock	117,214
Total consideration paid	144,085	$ 26,900
Goodwill	$ 63,541

Note 02 - ACQUISITION - Purchas

Note 02 - ACQUISITION - Purchased Loans (Details) - Guaranty Bank $ in Thousands	Apr. 01, 2022 USD ($)
Business Acquisition [Line Items]
Principal balance of PCD loans at acquisition	$ 38,711
Allowance for credit losses at acquisition	(5,902)
Non-credit discount at acquisition	(1,366)
Fair value of PCD loans at acquisition	$ 31,443

Note 02 - ACQUISITION - Core De

Note 02 - ACQUISITION - Core Deposit Intangibles (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Changes in intangible assets
Balance at the beginning of period			$ 9,349
Amortization of intangibles	$ 787	$ 508	1,280	$ 1,016
Balance at the end of the period	18,333	10,365	18,333	10,365
Net book value	18,333	10,365	18,333	10,365
Estimated amortization of intangible assets
Net book value	18,333	$ 10,365	18,333	$ 10,365
Core deposit intangible
Changes in intangible assets
Balance at the beginning of period	10,264
Amortization of intangibles	(294)
Balance at the end of the period	9,970		9,970
Gross carrying amount	10,264		10,264
Accumulated amortization	(294)		(294)
Net book value	9,970		9,970
Estimated amortization of intangible assets
2022	589		589
2023	1,162		1,162
2024	1,138		1,138
2025	1,109		1,109
2026	1,076		1,076
Thereafter	4,896		4,896
Net book value	$ 9,970		$ 9,970

Note 02 - ACQUISITION - FHLB Ad

Note 02 - ACQUISITION - FHLB Advances and Other Borrowings (Details) - USD ($)	Jun. 30, 2022	Apr. 01, 2022
Business Acquisition [Line Items]
FHLB advances	$ 16,000,000
Subordinated debentures	$ 19,621,000
Total Fair value of FHLB and other borrowings assumed		$ 45,931
FHLB advance maturing on 15 May 2023 \| Collateral Pledged.
Business Acquisition [Line Items]
FHLB advances		$ 6,500
Rate (as a percent)		0.59%
FHLB advance maturing on 15 May 2025 \| Collateral Pledged.
Business Acquisition [Line Items]
FHLB advances		$ 6,500
Rate (as a percent)		0.82%
FHLB advance maturing on 17 May 2027 \| Collateral Pledged.
Business Acquisition [Line Items]
FHLB advances		$ 3,000
Rate (as a percent)		1.12%
Subordinated debenture maturing on 30 September 2030 \| Unsecured
Business Acquisition [Line Items]
Subordinated notes		$ 19,621
Rate (as a percent)		5.25%
Junior subordinated debentures maturing on 23 February 2036 \| Unsecured
Business Acquisition [Line Items]
Subordinated debentures		$ 10,310
Rate (as a percent)		4.09%

Note 02 - ACQUISITION - Unaudit

Note 02 - ACQUISITION - Unaudited Pro Forma Combined Operating Results (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Unaudited pro forma combined operating results
Net interest income	$ 59,400	$ 53,324	$ 115,136	$ 104,650
Noninterest income	22,782	22,112	40,652	48,216
Net income	$ 15,242	$ 25,609	$ 41,365	$ 46,549
Earnings per common share - Basic	$ 0.88	$ 1.43	$ 2.23	$ 2.60
Earnings per common share - Diluted	$ 0.87	$ 1.41	$ 2.20	$ 2.57

Note 3 - INVESTMENT SECURITIE_2

Note 3 - INVESTMENT SECURITIES (Details) $ in Millions	6 Months Ended
Note 3 - INVESTMENT SECURITIES (Details) $ in Millions	Jun. 30, 2022 USD ($) item issuer state	Dec. 31, 2021 USD ($) state item
Number of securities	699
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions	463
Aggregate losses of securities (as a percent)	6.74%
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions, greater than or equal to one year	91
Number Of Charters Owning Municipal Securities	4
Revenue Bonds
Number of issuers \| issuer	1
Percentage threshold	5%
Municipal securities \| General Obligation Bonds
Number of issuers	119	113
Other investments \| $		$ 114.5
Number of states holding investments \| state	22	20
Municipal securities \| General Obligation Bonds \| Minimum
Other investments \| $	$ 5	$ 5
Municipal securities \| General Obligation Bonds \| Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments \| state	8	7
Municipal securities \| Revenue Bonds
Number of issuers	185	165
Other investments \| $	$ 583.5	$ 575
Number of states holding investments	29	28
Municipal securities \| Revenue Bonds \| Minimum
Other investments \| $	$ 5	$ 5
Municipal securities \| Revenue Bonds \| Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments	12	13

Note 3 - INVESTMENT SECURITIE_3

Note 3 - INVESTMENT SECURITIES - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021
Securities held to maturity:
Securities held to maturity, at amortized cost	$ 508,703		$ 472,583
Securities held to maturity, gross unrealized gains	5,359		49,715
Securities held to maturity, gross unrealized (losses)	(16,108)		(1)
Securities held to maturity, fair value	497,954		522,297
Held To Maturity Securities Amortized Cost Before Other Than Temporary Impairment Net Of Allowance For Credit Losses	508,505		472,385
Allowance for credit losses HTM securities	198	$ 198	198	$ 174	$ 174
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	417,322		329,994
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	391		9,157
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(46,300)		(1,321)
Debt Securities, Available-for-sale	371,413		337,830
Municipal securities.
Securities held to maturity:
Securities held to maturity, at amortized cost	507,653		471,533
Securities held to maturity, gross unrealized gains	5,359		49,715
Securities held to maturity, gross unrealized (losses)	(16,108)
Securities held to maturity, fair value	496,904		521,248
Allowance for credit losses HTM securities	198	$ 198	198	173	173
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	241,074		163,253
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	122		5,228
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(38,211)		(215)
Debt Securities, Available-for-sale	202,985		168,266
U.S. treasuries and govt. sponsored agency securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	22,424		23,370
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	22		254
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(1,998)		(296)
Debt Securities, Available-for-sale	20,448		23,328
Residential mortgage-backed and related securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	86,000		92,431
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	42		2,672
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(4,795)		(780)
Debt Securities, Available-for-sale	81,247		94,323
Asset-backed securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	20,056		26,372
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	112		752
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(212)
Debt Securities, Available-for-sale	19,956		27,124
Other Securities
Securities held to maturity:
Securities held to maturity, at amortized cost	1,050		1,050
Securities held to maturity, gross unrealized (losses)			(1)
Securities held to maturity, fair value	1,050		1,049
Allowance for credit losses HTM securities				$ 1	$ 1
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	47,768		24,568
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	93		251
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(1,084)		(30)
Debt Securities, Available-for-sale	$ 46,777		$ 24,789

Note 3 - INVESTMENT SECURITIE_4

Note 3 - INVESTMENT SECURITIES - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities available for sale:
Securities available for sale, less than 12 months, fair value	$ 305,221	$ 32,980
Securities available for sale, less than 12 months, gross unrealized losses	(41,799)	(464)
Securities available for sale, 12 months or more, fair value	24,525	23,442
Securities available for sale, 12 months or more, gross unrealized losses	(4,501)	(857)
Securities available for sale, fair value	329,746	56,422
Securities available for sale, gross unrealized losses	(46,300)	(1,321)
Municipal securities.
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	68,468	1,049
Securities held to maturity, less than 12 months, gross unrealized losses	(7,786)	(1)
Securities held to maturity, 12 months or more, fair value	95,070
Securities held to maturity, 12 months or more, gross unrealized losses	(8,322)
Securities held to maturity, fair value	163,538	1,049
Securities held to maturity, gross unrealized losses	(16,108)	(1)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	185,244	13,287
Securities available for sale, less than 12 months, gross unrealized losses	(37,071)	(211)
Securities available for sale, 12 months or more, fair value	3,828	1,001
Securities available for sale, 12 months or more, gross unrealized losses	(1,140)	(4)
Securities available for sale, fair value	189,072	14,288
Securities available for sale, gross unrealized losses	(38,211)	(215)
U.S. treasuries and govt. sponsored agency securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	16,574	9,802
Securities available for sale, less than 12 months, gross unrealized losses	(1,359)	(156)
Securities available for sale, 12 months or more, fair value	2,482	3,035
Securities available for sale, 12 months or more, gross unrealized losses	(639)	(140)
Securities available for sale, fair value	19,056	12,837
Securities available for sale, gross unrealized losses	(1,998)	(296)
Residential mortgage-backed and related securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	59,731	5,363
Securities available for sale, less than 12 months, gross unrealized losses	(2,073)	(67)
Securities available for sale, 12 months or more, fair value	18,215	19,406
Securities available for sale, 12 months or more, gross unrealized losses	(2,722)	(713)
Securities available for sale, fair value	77,946	24,769
Securities available for sale, gross unrealized losses	(4,795)	(780)
Asset-backed securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	10,722
Securities available for sale, less than 12 months, gross unrealized losses	(212)
Securities available for sale, fair value	10,722
Securities available for sale, gross unrealized losses	(212)
Other Securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	32,950	4,528
Securities available for sale, less than 12 months, gross unrealized losses	(1,084)	(30)
Securities available for sale, fair value	32,950	4,528
Securities available for sale, gross unrealized losses	$ (1,084)	$ (30)

Note 3 - INVESTMENT SECURITIE_5

Note 3 - INVESTMENT SECURITIES - Activity in Allowance for Credit Losses (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2021 USD ($)
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	$ (9)
Balance, ending	174
Accounting Standards Update 2016-13
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	183
Municipal securities.
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	(9)
Balance, ending	173
Municipal securities. \| Accounting Standards Update 2016-13
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	182
Other Securities
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	1
Other Securities \| Accounting Standards Update 2016-13
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	$ 1

Note 3 - INVESTMENT SECURITIE_6

Note 3 - INVESTMENT SECURITIES - Sales of Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Investment Securities
Proceeds from sales of securities	$ 111,375	$ 4,334	$ 111,375	$ 23,874
Gross losses from sales of securities		$ (88)		$ (88)

Note 3 - INVESTMENT SECURITIE_7

Note 3 - INVESTMENT SECURITIES - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities held to maturity:
Securities held to maturity, due in one year or less, amortized cost	$ 2,968
Securities held to maturity, due in one year or less, fair value	2,974
Securities held to maturity, due after one year through five years, amortized cost	16,632
Securities held to maturity, due after one year through five years, fair value	16,589
Securities held to maturity, due after five years, amortized cost	489,103
Securities held to maturity, due after five years, fair value	478,391
Securities held to maturity, amortized cost	508,703
Securities held to maturity, fair value	497,954	$ 522,297
Securities available for sale:
Securities available for sale, due in one year or less, amortized cost	6,773
Securities available for sale, Due in one year or less, fair value	6,772
Securities available for sale, due after one year through five years, amortized cost	4,129
Securities available for sale, Due after one year through five years, fair value	4,162
Securities available for sale, due after five years, amortized cost	300,364
Securities available for sale, due after five years, fair value	259,276
Securities available for sale, single maturity, amortized cost	311,266
Securities available for sale, single maturity, fair value	270,210
Securities available for sale, amortized cost	417,322	329,994
Securities available for sale, fair value	371,413	337,830
Securities available for sale, callable, amortized cost	417,322
Securities available for sale, callable, fair value	371,413
Callable Securities [Member]
Securities available for sale:
Securities available for sale, amortized cost	282,975
Securities available for sale, fair value	243,920
Municipal securities.
Securities held to maturity:
Securities held to maturity, fair value	496,904	521,248
Securities available for sale:
Securities available for sale, amortized cost	241,074	163,253
Securities available for sale, fair value	202,985	168,266
Municipal securities. \| Callable Securities [Member]
Securities held to maturity:
Securities held to maturity, callable, amortized cost	309,349
Securities held to maturity, callable, fair value	305,321
Securities available for sale:
Securities available for sale, callable, amortized cost	236,628
Securities available for sale, callable, fair value	198,515
Asset-backed securities
Securities available for sale:
Securities available for sale, amortized cost	20,056	26,372
Securities available for sale, fair value	19,956	27,124
Securities available for sale, callable, amortized cost	20,056
Securities available for sale, callable, fair value	19,956
Residential mortgage-backed and related securities
Securities available for sale:
Securities available for sale, amortized cost	86,000	92,431
Securities available for sale, fair value	81,247	94,323
Securities available for sale, callable, amortized cost	86,000
Securities available for sale, callable, fair value	81,247
Other Securities
Securities held to maturity:
Securities held to maturity, fair value	1,050	1,049
Securities available for sale:
Securities available for sale, amortized cost	47,768	24,568
Securities available for sale, fair value	46,777	$ 24,789
Other Securities \| Callable Securities [Member]
Securities available for sale:
Securities available for sale, callable, amortized cost	46,347
Securities available for sale, callable, fair value	$ 45,405

Note 4 - LOANS LEASES RECEIVA_2

Note 4 - LOANS LEASES RECEIVABLE (Details) $ in Thousands	3 Months Ended		6 Months Ended
Note 4 - LOANS LEASES RECEIVABLE (Details) $ in Thousands	Jun. 30, 2022 USD ($) item	Jun. 30, 2021 USD ($) loan	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($) item loan	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Loans and leases	$ 5,797,903		$ 5,797,903			$ 4,680,132
Discounts on acquired loans	13,000		13,000
Accrued interest on loans	19,400		19,400			15,000
Loans receivable held for sale	1,186		1,186			3,828
Interest income recognized on loans	48,200	$ 43,516	96,849	$ 78,778
Accruing TDRs	164		164			494
Accruing Past Due 90 Days or More	$ 268		268
Financing Receivable, Modifications, Subsequent Default, Number of Contracts \| item	0			0
Financing Receivable, Modifications, Post-Modification Recorded Investment		2,599		$ 2,599
Less allowance for estimated losses on loans/leases	$ 92,425	78,894	92,425	78,894	$ 74,786	78,721	$ 81,831	$ 84,376
Provision for Loan and Lease Losses		(141)	8,292	5,852
Allowance for Loan and Lease Losses, Write-offs	620	3,674	1,076	4,387
Recoveries on loans/leases previously charged off	216	$ 878	586	$ 1,155
Number of Loans / Leases \| loan		3		3
C&I - other
Loans and leases						1,346,602
Less allowance for estimated losses on loans/leases	28,093		28,093			25,982
Provision for Loan and Lease Losses			2,533
Allowance for Loan and Lease Losses, Write-offs			875
Recoveries on loans/leases previously charged off			446
Guaranty Bank
Provision for Loan and Lease Losses	11,000		11,000
Residential real estate
Residential real estate loan held for sale	1,200		1,200			3,800
Less allowance for estimated losses on loans/leases								3,732
Commercial Portfolio Segment [Member]
Loans and leases	1,725,947		1,725,947			1,595,085
Less allowance for estimated losses on loans/leases	33,272		33,272			29,889		35,421
Commercial Portfolio Segment [Member] \| C&I - other
Loans and leases	1,403,689		1,403,689			1,346,602
Accruing Past Due 90 Days or More	1		1
Less allowance for estimated losses on loans/leases	28,093	$ 32,325	28,093	$ 32,325	25,437	25,982	33,167
Provision for Loan and Lease Losses		(2)		4,547
Allowance for Loan and Lease Losses, Write-offs	426	998		1,666
Recoveries on loans/leases previously charged off	211	158		314
Commercial Portfolio Segment [Member] \| m2 Lease Funds, LLC
Loans and leases	253,400		253,400			225,100
Commercial Real Estate Portfolio Segment [Member]
Less allowance for estimated losses on loans/leases								42,161
Direct financing leases
Loans and leases	40,050		40,050			45,191
Less allowance for estimated losses on loans/leases	1,589		1,589			1,546		1,764
Direct financing leases \| PPP loans
Loans and leases	79		79			28,200
Direct financing leases \| C&I - other
Less allowance for estimated losses on loans/leases					1,500	1,500		1,800
Provision for Loan and Lease Losses	185	144	158	279
Allowance for Loan and Lease Losses, Write-offs	109	(130)	223	328
Recoveries on loans/leases previously charged off	48	58	108	134
Threshold for Related Party Loans Evaluated	1,600	2,000	1,600	2,000
Consumer
Loans and leases	99,556		99,556			75,311
Less allowance for estimated losses on loans/leases	1,355	919	1,355	919	$ 815	$ 930	$ 1,045	$ 1,298
Provision for Loan and Lease Losses		(329)	407	(546)
Allowance for Loan and Lease Losses, Write-offs	1	4	8	5
Recoveries on loans/leases previously charged off	$ 4	$ 207	$ 6	$ 309

Note 4 - LOANS LEASES RECEIVA_3

Note 4 - LOANS LEASES RECEIVABLE - Composition of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Loans and leases receivable	$ 5,797,903		$ 4,680,132
Gross loans/leases receivable	5,797,903		4,680,132
Less allowance	(92,425)	$ (74,786)	(78,721)	$ (78,894)	$ (81,831)	$ (84,376)
Net loans/leases receivable	5,705,478		4,601,411
C&I - revolving
Loans and leases receivable			248,483
Less allowance	(5,179)		(3,907)
C&I - other
Loans and leases receivable			1,346,602
Less allowance	(28,093)		(25,982)
CRE - non owner occupied
Loans and leases receivable			646,500
Less allowance	(12,049)		(8,549)
Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases receivable			421,701
Less allowance	(11,065)		(8,501)
Commercial Portfolio Segment [Member]
Loans and leases receivable	1,725,947		1,595,085
Gross loans/leases receivable	1,765,997		1,640,276
Less allowance	(33,272)		(29,889)			(35,421)
Commercial Portfolio Segment [Member] \| C&I - revolving
Loans and leases receivable	322,258		248,483
Gross loans/leases receivable	322,258		248,483
Less allowance	(5,179)	(3,619)	(3,907)	(3,177)	(3,547)
Commercial Portfolio Segment [Member] \| C&I - other
Loans and leases receivable	1,403,689		1,346,602
Gross loans/leases receivable	1,443,739		1,391,793
Less allowance	(28,093)	(25,437)	(25,982)	(32,325)	(33,167)
Commercial Real Estate Portfolio Segment [Member]
Less allowance						(42,161)
Commercial Real Estate Portfolio Segment [Member] \| CRE - owner occupied
Loans and leases receivable	628,565		421,701
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loans and leases receivable	889,530		646,500
Gross loans/leases receivable	889,530		646,500
Less allowance	(12,049)	(7,857)	(8,549)	(8,911)	(11,155)
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans and leases receivable	1,080,372		918,571
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases receivable	628,565
Gross loans/leases receivable	628,565		421,701
Less allowance	(11,065)	(7,897)	(8,501)	(8,020)	(9,147)
Construction and Land Development [Member]
Gross loans/leases receivable	1,080,372		918,571
Less allowance	(16,388)		(16,972)	(13,640)	(12,327)
Construction and Land Development [Member] \| Construction Loans [Member]
Loans and leases receivable	1,080,372		918,571
Less allowance	(16,388)	(14,671)
Multi-family
Loans and leases receivable	860,742		600,412
Gross loans/leases receivable	860,742		600,412
Less allowance	(12,783)	(10,336)	(9,339)	(6,977)	(6,278)
Direct financing leases
Net minimum lease payments to be received	43,888		49,362
Estimated unguaranteed residual values of leased assets	165		165
Unearned lease/residual income	(4,003)		(4,336)
Loans and leases receivable	40,050		45,191
Plus deferred loan/lease origination costs, net of fees.	387		568
Gross loans/leases receivable	40,437		45,759
Less allowance	(1,589)		(1,546)			(1,764)
Net loans/leases receivable	38,848		44,213
Direct financing leases \| C&I - other
Less allowance		(1,500)	(1,500)			(1,800)
1-4 family real estate
Loans and leases receivable	473,141		377,361
Gross loans/leases receivable	473,141		377,361
Less allowance	(5,513)	(4,154)	(4,541)	(4,925)	(5,165)
Residential real estate
Less allowance						(3,732)
Consumer
Loans and leases receivable	99,556		75,311
Gross loans/leases receivable	99,556		75,311
Less allowance	$ (1,355)	$ (815)	$ (930)	$ (919)	$ (1,045)	$ (1,298)

Note 4 - LOANS LEASES RECEIVA_4

Note 4 - LOANS LEASES RECEIVABLE - Aging of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Accruing Past Due 90 Days or More	$ 268
Loans and leases	$ 5,797,903	$ 4,680,132
Accruing past due 90 days or more as a percentage of total loan/lease portfolio	0%
Loans and leases as a percentage of total loan/lease portfolio	100%	100%
C&I - revolving
Loans and leases		$ 248,483
C&I - other
Loans and leases		1,346,602
Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases		421,701
CRE - non owner occupied
Loans and leases		646,500
Current
Loan	$ 5,769,214	$ 4,666,986
Current as a percentage of total loan/lease portfolio	99.51%	99.57%
Current \| C&I - revolving
Loan		$ 248,483
Current \| C&I - other
Loan		1,337,034
Current \| Owner Occupied Commercial Real Estate Loans [Member]
Loan		421,701
Current \| CRE - non owner occupied
Loan		646,500
Financing Receivables, 30 to 59 Days Past Due [Member]
Loan	$ 3,495	$ 2,202
Past due as a percentage of total loan/lease portfolio	0.06%	0.05%
Financing Receivables, 30 to 59 Days Past Due [Member] \| C&I - other
Loan		$ 859
Financing Receivables, 60 to 89 Days Past Due [Member]
Loan	$ 1,352	$ 8,184
Past due as a percentage of total loan/lease portfolio	0.02%	0.17%
Financing Receivables, 60 to 89 Days Past Due [Member] \| C&I - other
Loan		$ 7,308
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Accruing Past Due 90 Days or More		$ 1
Accruing past due 90 days or more as a percentage of total loan/lease portfolio		0%
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] \| C&I - other
Accruing Past Due 90 Days or More		$ 1
Past Due
Nonaccrual Loans/Leases	$ 23,574	$ 2,759
Nonaccrual Loans/Leases as a percentage of total loan/lease portfolio	0.41%	0.06%
Past Due \| C&I - other
Nonaccrual Loans/Leases		$ 1,400
Commercial Portfolio Segment [Member]
Loans and leases	$ 1,725,947	1,595,085
Commercial Portfolio Segment [Member] \| C&I - revolving
Loans and leases	322,258	248,483
Commercial Portfolio Segment [Member] \| C&I - other
Accruing Past Due 90 Days or More	1
Loans and leases	1,403,689	1,346,602
Commercial Portfolio Segment [Member] \| Current \| C&I - revolving
Loan	322,258
Commercial Portfolio Segment [Member] \| Current \| C&I - other
Loan	1,397,799
Commercial Portfolio Segment [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member] \| C&I - other
Loan	3,136
Commercial Portfolio Segment [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member] \| C&I - other
Loan	1,038
Commercial Portfolio Segment [Member] \| Past Due \| C&I - other
Nonaccrual Loans/Leases	1,715
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	628,565
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loans and leases	889,530	646,500
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans and leases	1,080,372	918,571
Commercial Real Estate Portfolio Segment [Member] \| Current \| Owner Occupied Commercial Real Estate Loans [Member]
Loan	626,209
Commercial Real Estate Portfolio Segment [Member] \| Current \| CRE - non owner occupied
Loan	882,587
Commercial Real Estate Portfolio Segment [Member] \| Past Due \| Owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases	2,356
Commercial Real Estate Portfolio Segment [Member] \| Past Due \| CRE - non owner occupied
Nonaccrual Loans/Leases	6,943
Construction and Land Development [Member] \| Construction Loans [Member]
Loans and leases	1,080,372	918,571
Construction and Land Development [Member] \| Current \| Construction Loans [Member]
Loan	1,071,748	918,498
Construction and Land Development [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member] \| Construction Loans [Member]
Loan	63
Construction and Land Development [Member] \| Past Due \| Construction Loans [Member]
Nonaccrual Loans/Leases	8,561	73
Multi-family
Loans and leases	860,742	600,412
Multi-family \| Current
Loan	860,742	600,412
Direct financing leases
Loans and leases	40,050	45,191
Direct financing leases \| Current
Loan	38,940	44,174
Direct financing leases \| Financing Receivables, 30 to 59 Days Past Due [Member]
Loan	213	10
Direct financing leases \| Financing Receivables, 60 to 89 Days Past Due [Member]
Loan	43	160
Direct financing leases \| Past Due
Nonaccrual Loans/Leases	854	847
1-4 family real estate
Accruing Past Due 90 Days or More	267
Loans and leases	473,141	377,361
1-4 family real estate \| Current
Loan	469,737	374,912
1-4 family real estate \| Financing Receivables, 30 to 59 Days Past Due [Member]
Loan	96	1,325
1-4 family real estate \| Financing Receivables, 60 to 89 Days Past Due [Member]
Loan	165	716
1-4 family real estate \| Past Due
Nonaccrual Loans/Leases	2,876	408
Consumer
Loans and leases	99,556	75,311
Consumer \| Current
Loan	99,194	75,272
Consumer \| Financing Receivables, 30 to 59 Days Past Due [Member]
Loan	50	8
Consumer \| Financing Receivables, 60 to 89 Days Past Due [Member]
Loan	43
Consumer \| Past Due
Nonaccrual Loans/Leases	$ 269	$ 31

Note 4 - LOANS LEASES RECEIVA_5

Note 4 - LOANS LEASES RECEIVABLE - Loans Leases Nonperforming Loans Leases (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Accruing Past Due 90 Days or More	$ 268
Accruing TDRs	164	$ 494
Loans and Leases Receivable, Net of Deferred Income	$ 5,797,903	$ 4,680,132
Percentage of Total NPLs	100%	100%
C&I - other
Loans and Leases Receivable, Net of Deferred Income		$ 1,346,602
C&I - revolving
Loans and Leases Receivable, Net of Deferred Income		248,483
Owner Occupied Commercial Real Estate Loans [Member]
Loans and Leases Receivable, Net of Deferred Income		421,701
CRE - non owner occupied
Loans and Leases Receivable, Net of Deferred Income		646,500
Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More	$ 268	1
Nonaccrual Loans/Leases	13,053	1,757
Nonaccrual Loans/Leases without an Allowance for Credit Losses	10,521
Accruing TDRs		1,002
Loans and Leases Receivable, Net of Deferred Income	$ 23,842	$ 2,760
Percentage of Total NPLs	100%	100%
Nonperforming Financial Instruments [Member] \| C&I - other
Accruing Past Due 90 Days or More	$ 1	$ 1
Nonaccrual Loans/Leases	1,547	1,130
Nonaccrual Loans/Leases without an Allowance for Credit Losses	168
Accruing TDRs		270
Loans and Leases Receivable, Net of Deferred Income	$ 1,716	$ 1,401
Percentage of Total NPLs	7.20%	50.77%
Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income	$ 1,725,947	$ 1,595,085
Commercial Portfolio Segment [Member] \| C&I - other
Accruing Past Due 90 Days or More	1
Loans and Leases Receivable, Net of Deferred Income	1,403,689	1,346,602
Commercial Portfolio Segment [Member] \| C&I - revolving
Loans and Leases Receivable, Net of Deferred Income	322,258	248,483
Commercial Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| C&I - other
Loans and Leases Receivable, Net of Deferred Income	1,126	1,340
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loans and Leases Receivable, Net of Deferred Income	628,565
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loans and Leases Receivable, Net of Deferred Income	889,530	646,500
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans and Leases Receivable, Net of Deferred Income	1,080,372	918,571
Commercial Real Estate Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases	1,859
Nonaccrual Loans/Leases without an Allowance for Credit Losses	497
Loans and Leases Receivable, Net of Deferred Income	$ 2,356
Percentage of Total NPLs	9.88%
Commercial Real Estate Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| CRE - non owner occupied
Nonaccrual Loans/Leases	$ 70
Nonaccrual Loans/Leases without an Allowance for Credit Losses	6,873
Loans and Leases Receivable, Net of Deferred Income	$ 6,943
Percentage of Total NPLs	29.12%
Construction and Land Development [Member] \| Construction Loans [Member]
Loans and Leases Receivable, Net of Deferred Income	$ 1,080,372	918,571
Construction and Land Development [Member] \| Nonperforming Financial Instruments [Member]
Loans and Leases Receivable, Net of Deferred Income	2,291
Construction and Land Development [Member] \| Nonperforming Financial Instruments [Member] \| Construction Loans [Member]
Nonaccrual Loans/Leases	6,879	73
Nonaccrual Loans/Leases without an Allowance for Credit Losses	1,682
Loans and Leases Receivable, Net of Deferred Income	$ 8,561	$ 73
Percentage of Total NPLs	35.91%	2.64%
Multi-family
Loans and Leases Receivable, Net of Deferred Income	$ 860,742	$ 600,412
Direct financing leases
Loans and Leases Receivable, Net of Deferred Income	40,050	45,191
Direct financing leases \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	854	115
Accruing TDRs		732
Loans and Leases Receivable, Net of Deferred Income	$ 854	$ 847
Percentage of Total NPLs	3.58%	30.69%
1-4 family real estate
Accruing Past Due 90 Days or More	$ 267
Loans and Leases Receivable, Net of Deferred Income	473,141	$ 377,361
1-4 family real estate \| Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More	267
Nonaccrual Loans/Leases	1,575
Nonaccrual Loans/Leases without an Allowance for Credit Losses	1,301
Loans and Leases Receivable, Net of Deferred Income	$ 3,143	408
Percentage of Total NPLs	13.18%
Residential real estate \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases		408
Loans and Leases Receivable, Net of Deferred Income		$ 408
Percentage of Total NPLs		14.78%
Consumer
Loans and Leases Receivable, Net of Deferred Income	$ 99,556	$ 75,311
Consumer \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	269
Loans and Leases Receivable, Net of Deferred Income	$ 269	31
Percentage of Total NPLs	1.13%
Installment and other consumer loans \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases		31
Loans and Leases Receivable, Net of Deferred Income		$ 31
Percentage of Total NPLs		1.12%

Note 4 - LOANS LEASES RECEIVA_6

Note 4 - LOANS LEASES RECEIVABLE - Allowance for Estimated Losses on Loans Leases (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Balance	$ 74,786	$ 81,831	$ 78,721	$ 84,376
Provision for credit losses		(141)	8,292	5,852
Provision.	12,141
Charged off	(620)	(3,674)	(1,076)	(4,387)
Recoveries	216	878	586	1,155
Balance	92,425	78,894	92,425	78,894
Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	5,902		5,902
Accounting Standards Update 2016-13
Balance		(8,102)		(8,102)
C&I - revolving
Balance			3,907
Provision for credit losses			672
Balance	5,179		5,179
C&I - revolving \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans			600
C&I - other
Balance			25,982
Provision for credit losses			2,533
Charged off			(875)
Recoveries			446
Balance	28,093		28,093
C&I - other \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans			7
Owner Occupied Commercial Real Estate Loans [Member]
Balance			8,501
Provision for credit losses			77
Recoveries			6
Balance	11,065		11,065
Owner Occupied Commercial Real Estate Loans [Member] \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans			2,481
CRE - non owner occupied
Balance			8,549
Provision for credit losses			2,489
Charged off			(193)
Recoveries			128
Balance	12,049		12,049
CRE - non owner occupied \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans			1,076
Commercial Portfolio Segment [Member]
Balance			29,889	35,421
Balance	33,272		33,272
Commercial Portfolio Segment [Member] \| Accounting Standards Update 2016-13
Balance		(35,421)		(35,421)
Commercial Portfolio Segment [Member] \| C&I - revolving
Balance	3,619	3,547	3,907
Provision for credit losses		(370)		195
Provision.	960
Balance	5,179	3,177	5,179	3,177
Commercial Portfolio Segment [Member] \| C&I - revolving \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	600
Commercial Portfolio Segment [Member] \| C&I - revolving \| Accounting Standards Update 2016-13
Balance		2,982		2,982
Commercial Portfolio Segment [Member] \| C&I - other
Balance	25,437	33,167	25,982
Provision for credit losses		(2)		4,547
Provision.	2,864
Charged off	(426)	(998)		(1,666)
Recoveries	211	158		314
Balance	28,093	32,325	28,093	32,325
Commercial Portfolio Segment [Member] \| C&I - other \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	7
Commercial Portfolio Segment [Member] \| C&I - other \| Accounting Standards Update 2016-13
Balance		29,130		29,130
Commercial Real Estate Portfolio Segment [Member]
Balance				42,161
Commercial Real Estate Portfolio Segment [Member] \| Accounting Standards Update 2016-13
Balance		(42,161)		(42,161)
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Balance	7,897	9,147	8,501
Provision for credit losses		(1,121)		(670)
Provision.	686
Recoveries	1
Recoveries.		(6)		(6)
Balance	11,065	8,020	11,065	8,020
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	2,481
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Accounting Standards Update 2016-13
Balance		8,696		8,696
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Balance	7,857	11,155	8,549
Provision for credit losses		(376)		(662)
Provision.	3,309
Charged off	(193)	(1,876)		(1,876)
Recoveries		8		21
Balance	12,049	8,911	12,049	8,911
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	1,076
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Accounting Standards Update 2016-13
Balance		11,428		11,428
Construction and Land Development [Member]
Balance		12,327	16,972
Provision for credit losses		1,313	(1,684)	1,641
Balance	16,388	13,640	16,388	13,640
Construction and Land Development [Member] \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans			1,100
Construction and Land Development [Member] \| Accounting Standards Update 2016-13
Balance		11,999		11,999
Construction and Land Development [Member] \| Construction Loans [Member]
Balance	14,671
Provision.	617
Balance	16,388		16,388
Construction and Land Development [Member] \| Construction Loans [Member] \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	1,100
Multi-family
Balance	10,336	6,278	9,339
Provision for credit losses		849	2,963	1,291
Provision.	1,966
Charged off		(150)		(150)
Balance	12,783	6,977	12,783	6,977
Multi-family \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	481		481
Multi-family \| Accounting Standards Update 2016-13
Balance		5,836		5,836
Direct financing leases
Balance			1,546	1,764
Balance	1,589		1,589
Direct financing leases \| Accounting Standards Update 2016-13
Balance		(1,764)		(1,764)
Direct financing leases \| C&I - other
Balance	1,500		1,500	1,800
Provision for credit losses	185	144	158	279
Charged off	(109)	130	(223)	(328)
Recoveries	48	58	108	134
Direct financing leases \| C&I - other \| Accounting Standards Update 2016-13
Balance		2,200		685
Residential real estate
Balance				3,732
Residential real estate \| Accounting Standards Update 2016-13
Balance		(3,732)		(3,732)
1-4 family real estate
Balance	4,154	5,165	4,541
Provision for credit losses		(105)	835	56
Provision.	1,222
Charged off		(646)		(690)
Recoveries		511		517
Balance	5,513	4,925	5,513	4,925
1-4 family real estate \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	137		137
1-4 family real estate \| Accounting Standards Update 2016-13
Balance		5,042		5,042
Consumer
Balance	815	1,045	930	1,298
Provision for credit losses		(329)	407	(546)
Provision.	517
Charged off	(1)	(4)	(8)	(5)
Recoveries	4	207	6	309
Balance	1,355	919	1,355	919
Consumer \| Purchased Credit Deteriorated Loan [Member]
Initial ACL recorded for PCD loans	$ 20		$ 20
Consumer \| Accounting Standards Update 2016-13
Balance		$ (137)		$ (137)

Note 4 - LOANS LEASES RECEIVA_7

Note 4 - LOANS LEASES RECEIVABLE - Composition Of Allowance For Credit Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Allowance for Credit Losses, Individually Evaluated for Credit Losses	$ 9,754		$ 2,554
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	82,671		76,167
Allowance for Credit Losses, Total	92,425	$ 74,786	78,721	$ 78,894	$ 81,831	$ 84,376
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	94,958		58,677
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	5,702,945		4,621,455
Loans and leases receivable	5,797,903		4,680,132
Loans and Leases Receivable, Gross	5,797,903		4,680,132
C&I - revolving
Allowance for Credit Losses, Total	5,179		3,907
Loans and leases receivable			248,483
C&I - other
Allowance for Credit Losses, Total	28,093		25,982
Loans and leases receivable			1,346,602
Owner Occupied Commercial Real Estate Loans [Member]
Allowance for Credit Losses, Total	11,065		8,501
Loans and leases receivable			421,701
CRE - non owner occupied
Allowance for Credit Losses, Total	12,049		8,549
Loans and leases receivable			646,500
Commercial Portfolio Segment [Member]
Allowance for Credit Losses, Individually Evaluated for Credit Losses	3,343		911
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	29,929		28,978
Allowance for Credit Losses, Total	33,272		29,889			35,421
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	16,027		16,094
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	1,749,970		1,624,182
Loans and leases receivable	1,725,947		1,595,085
Loans and Leases Receivable, Gross	1,765,997		1,640,276
Commercial Portfolio Segment [Member] \| C&I - revolving
Allowance for Credit Losses, Individually Evaluated for Credit Losses	933		168
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	4,246		3,739
Allowance for Credit Losses, Total	5,179	3,619	3,907	3,177	3,547
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	3,458		2,638
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	318,800		245,845
Loans and leases receivable	322,258		248,483
Loans and Leases Receivable, Gross	322,258		248,483
Commercial Portfolio Segment [Member] \| C&I - other
Allowance for Credit Losses, Individually Evaluated for Credit Losses	2,410		743
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	25,683		25,239
Allowance for Credit Losses, Total	28,093	25,437	25,982	32,325	33,167
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	12,569		13,456
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	1,431,170		1,378,337
Loans and leases receivable	1,403,689		1,346,602
Loans and Leases Receivable, Gross	1,443,739		1,391,793
Commercial Real Estate Portfolio Segment [Member]
Allowance for Credit Losses, Total						42,161
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Allowance for Credit Losses, Individually Evaluated for Credit Losses	3,046		1,264
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	8,019		7,237
Allowance for Credit Losses, Total	11,065	7,897	8,501	8,020	9,147
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	24,440		3,841
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	604,125		417,860
Loans and leases receivable	628,565
Loans and Leases Receivable, Gross	628,565		421,701
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Allowance for Credit Losses, Individually Evaluated for Credit Losses	826
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	11,223		8,549
Allowance for Credit Losses, Total	12,049	7,857	8,549	8,911	11,155
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	28,618		25,006
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	860,912		621,494
Loans and leases receivable	889,530		646,500
Loans and Leases Receivable, Gross	889,530		646,500
Construction and Land Development [Member]
Allowance for Credit Losses, Individually Evaluated for Credit Losses	1,669		11
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	14,719		16,961
Allowance for Credit Losses, Total	16,388		16,972	13,640	12,327
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	18,986		10,436
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	1,061,386		908,135
Loans and Leases Receivable, Gross	1,080,372		918,571
Multi-family
Allowance for Credit Losses, Individually Evaluated for Credit Losses	393
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	12,390		9,339
Allowance for Credit Losses, Total	12,783	10,336	9,339	6,977	6,278
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	1,300
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	859,442		600,412
Loans and leases receivable	860,742		600,412
Loans and Leases Receivable, Gross	860,742		600,412
1-4 family real estate
Allowance for Credit Losses, Individually Evaluated for Credit Losses	418		329
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	5,095		4,212
Allowance for Credit Losses, Total	5,513	4,154	4,541	4,925	5,165
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	4,978		2,950
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	468,163		374,411
Loans and leases receivable	473,141		377,361
Loans and Leases Receivable, Gross	473,141		377,361
Consumer
Allowance for Credit Losses, Individually Evaluated for Credit Losses	59		39
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	1,296		891
Allowance for Credit Losses, Total	1,355	815	930	$ 919	$ 1,045	1,298
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	609		350
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	98,947		74,961
Loans and leases receivable	99,556		75,311
Loans and Leases Receivable, Gross	99,556		75,311
Direct financing leases
Allowance for Credit Losses, Total	1,589		1,546			1,764
Loans and leases receivable	40,050		45,191
Loans and Leases Receivable, Gross	40,437		45,759
Direct financing leases \| C&I - other
Allowance for Credit Losses, Individually Evaluated for Credit Losses	351		35
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	1,200		1,500
Allowance for Credit Losses, Total		$ 1,500	1,500			1,800
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	854		847
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	$ 39,300		$ 44,400
Residential real estate
Allowance for Credit Losses, Total						$ 3,732

Note 4 - LOANS LEASES RECEIVA_8

Note 4 - LOANS LEASES RECEIVABLE - Amortized Cost Basis of Collateral (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	$ 92,425	$ 78,721
Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	94,958	58,677
Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	5,416	3,201
Owner Occupied Commercial Real Estate Loans [Member]
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	24,802
Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	50,921	36,185
Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	3,629	8,859
Securities
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	122	134
Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	7,742	9,998
Other
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,540	300
Commercial Portfolio Segment [Member] \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	16,027	16,094
Commercial Portfolio Segment [Member] \| Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	5,416	3,201
Commercial Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	214
Commercial Portfolio Segment [Member] \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses		2,471
Commercial Portfolio Segment [Member] \| Securities
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	122	134
Commercial Portfolio Segment [Member] \| Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	7,742	9,997
Commercial Portfolio Segment [Member] \| Other
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,533	291
Commercial Portfolio Segment [Member] \| C&I - revolving \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	3,458	2,638
Commercial Portfolio Segment [Member] \| C&I - revolving \| Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	3,353	2,518
Commercial Portfolio Segment [Member] \| C&I - revolving \| Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	105	120
Commercial Portfolio Segment [Member] \| C&I - other \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	12,569	13,456
Commercial Portfolio Segment [Member] \| C&I - other \| Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,063	683
Commercial Portfolio Segment [Member] \| C&I - other \| Owner Occupied Commercial Real Estate Loans [Member]
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	214
Commercial Portfolio Segment [Member] \| C&I - other \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses		2,471
Commercial Portfolio Segment [Member] \| C&I - other \| Securities
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	122	134
Commercial Portfolio Segment [Member] \| C&I - other \| Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	7,637	9,877
Commercial Portfolio Segment [Member] \| C&I - other \| Other
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,533	291
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	24,440	3,841
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	24,374
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	66	3,841
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	28,618	25,006
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	28,618	25,006
Construction and Land Development [Member] \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	18,986	10,436
Construction and Land Development [Member] \| Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	18,986	10,362
Construction and Land Development [Member] \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses		74
Direct financing leases \| C&I - other \| Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	854	847
Multi-family \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	1,300
Multi-family \| Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	1,300
1-4 family real estate \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	4,978	2,950
1-4 family real estate \| Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,017	817
1-4 family real estate \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,961	2,133
Consumer \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	609	350
Consumer \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	602	340
Consumer \| Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses		1
Consumer \| Other
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	$ 7	$ 9

Note 4 - LOANS LEASES RECEIVA_9

Note 4 - LOANS LEASES RECEIVABLE - Loans by Internally Assigned Risk Rating (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Loans and leases	$ 5,797,903	$ 4,680,132
C&I - revolving
Loans and leases		248,483
C&I - other
Loans and leases		1,346,602
Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases		421,701
CRE - non owner occupied
Loans and leases		646,500
Internally Assigned Risk Rating [Member]
2022	882,670	1,418,701
2021	1,384,584	1,151,208
2020	1,202,007	514,237
2019	475,173	354,369
2018	334,699	180,072
Prior	264,749	148,546
Revolving Loans Amortized Cost Basis	370,984	289,503
Loans and leases	4,914,866	4,056,636
Internally Assigned Risk Rating [Member] \| Construction Loans [Member]
2022	168
2021	859
2020	465
2019	92
2018	206
Prior	841
Revolving Loans Amortized Cost Basis	1,650
Loans and leases	4,281
Pass [Member] \| Construction Loans [Member]
2022	168
2021	859
2020	465
2019	92
2018	206
Prior	716
Revolving Loans Amortized Cost Basis	1,650
Loans and leases	4,156
Substandard [Member] \| Construction Loans [Member]
Prior	125
Loans and leases	125
Commercial Portfolio Segment [Member]
Loans and leases	1,725,947	1,595,085
Commercial Portfolio Segment [Member] \| C&I - revolving
Loans and leases	322,258	248,483
Commercial Portfolio Segment [Member] \| C&I - other
Loans and leases	1,403,689	1,346,602
Commercial Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	322,258	248,483
Loans and leases	322,258	248,483
Commercial Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| C&I - other
2022	253,687	395,618
2021	298,275	364,995
2020	276,036	141,165
2019	122,011	82,573
2018	78,976	83,810
Prior	121,319	53,358
Loans and leases	1,150,304	1,121,519
Commercial Portfolio Segment [Member] \| Pass [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	316,980	245,212
Loans and leases	316,980	245,212
Commercial Portfolio Segment [Member] \| Pass [Member] \| C&I - other
2022	250,926	391,532
2021	298,050	362,256
2020	275,254	133,678
2019	116,262	82,177
2018	78,628	83,419
Prior	120,831	53,310
Loans and leases	1,139,951	1,106,372
Commercial Portfolio Segment [Member] \| Special Mention [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	1,820	633
Loans and leases	1,820	633
Commercial Portfolio Segment [Member] \| Special Mention [Member] \| C&I - other
2022	365	3,580
2021	20	373
2020	19	349
2019	20
2018		336
Prior	323	2
Loans and leases	747	4,640
Commercial Portfolio Segment [Member] \| Substandard [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	3,458	2,638
Loans and leases	3,458	2,638
Commercial Portfolio Segment [Member] \| Substandard [Member] \| C&I - other
2022	2,396	506
2021	205	2,366
2020	763	7,138
2019	5,729	396
2018	348	55
Prior	165	46
Loans and leases	9,606	10,507
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	628,565
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loans and leases	889,530	646,500
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans and leases	1,080,372	918,571
Commercial Real Estate Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2022	95,276	118,651
2021	185,526	143,045
2020	188,536	49,740
2019	49,273	31,995
2018	33,281	19,406
Prior	60,405	47,387
Revolving Loans Amortized Cost Basis	16,268	11,477
Loans and leases	628,565	421,701
Commercial Real Estate Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| CRE - non owner occupied
2022	180,779	185,213
2021	221,920	172,890
2020	228,848	106,062
2019	109,470	77,166
2018	76,525	62,189
Prior	65,328	34,388
Revolving Loans Amortized Cost Basis	6,660	8,592
Loans and leases	889,530	646,500
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2022	91,565	118,014
2021	184,453	143,045
2020	168,819	47,660
2019	48,013	30,523
2018	31,918	17,038
Prior	58,119	46,185
Revolving Loans Amortized Cost Basis	16,268	11,477
Loans and leases	599,155	413,942
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| CRE - non owner occupied
2022	178,954	176,813
2021	216,956	145,712
2020	203,144	88,697
2019	92,322	63,849
2018	60,792	55,752
Prior	58,123	28,808
Revolving Loans Amortized Cost Basis	6,379	8,592
Loans and leases	816,670	568,223
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2022	1,730	637
2020	2,915
2019		233
2018	145	1,846
Prior	1,786	1,202
Loans and leases	6,576	3,918
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| CRE - non owner occupied
2022	1,825	7,295
2021	4,244	20,881
2020	13,809	1,802
2019	1,757	12,230
2018	15,733	5,494
Prior	7,205	5,580
Loans and leases	44,573	53,282
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2022	1,981
2021	1,073
2020	16,802	2,080
2019	1,260	1,239
2018	1,218	522
Prior	500
Loans and leases	22,834	3,841
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| CRE - non owner occupied
2022		1,105
2021	720	6,297
2020	11,895	15,563
2019	15,391	1,087
2018		943
Revolving Loans Amortized Cost Basis	281
Loans and leases	28,287	24,995
Construction and Land Development [Member] \| Construction Loans [Member]
Loans and leases	1,080,372	918,571
Construction and Land Development [Member] \| Internally Assigned Risk Rating [Member]
2022		404,407
2021		248,360
2020		126,941
2019		106,790
2018		3,012
Revolving Loans Amortized Cost Basis		13,277
Loans and leases		902,787
Construction and Land Development [Member] \| Internally Assigned Risk Rating [Member] \| Construction Loans [Member]
2022	189,964
2021	370,500
2020	254,180
2019	77,982
2018	34,553
Prior	25
Revolving Loans Amortized Cost Basis	19,253
Loans and leases	946,457
Construction and Land Development [Member] \| Pass [Member]
2022		394,045
2021		248,360
2020		126,941
2019		106,790
2018		3,012
Revolving Loans Amortized Cost Basis		13,277
Loans and leases		892,425
Construction and Land Development [Member] \| Pass [Member] \| Construction Loans [Member]
2022	184,842
2021	358,523
2020	254,180
2019	77,982
2018	34,553
Revolving Loans Amortized Cost Basis	19,253
Loans and leases	929,333
Construction and Land Development [Member] \| Special Mention [Member] \| Construction Loans [Member]
2022	328
2021	163
Loans and leases	491
Construction and Land Development [Member] \| Substandard [Member]
2022		10,362
Loans and leases		10,362
Construction and Land Development [Member] \| Substandard [Member] \| Construction Loans [Member]
2022	4,794
2021	11,814
Prior	25
Loans and leases	16,633
Multi-family
Loans and leases	860,742	600,412
Multi-family \| Internally Assigned Risk Rating [Member]
2022	139,369	266,120
2021	266,147	197,224
2020	234,784	74,033
2019	102,945	47,486
2018	104,833	5,609
Prior	10,066	7,376
Revolving Loans Amortized Cost Basis	2,598	2,564
Loans and leases	860,742	600,412
Multi-family \| Pass [Member]
2022	139,369	266,120
2021	266,098	197,224
2020	233,484	74,033
2019	102,945	47,486
2018	104,833	5,609
Prior	10,066	7,376
Revolving Loans Amortized Cost Basis	2,598	2,564
Loans and leases	859,393	600,412
Multi-family \| Special Mention [Member]
2021	49
Loans and leases	49
Multi-family \| Substandard [Member]
2020	1,300
Loans and leases	1,300
1-4 family real estate
Loans and leases	473,141	377,361
1-4 family real estate \| Internally Assigned Risk Rating [Member]
2022	23,427	47,134
2021	41,357	24,207
2020	19,158	16,188
2019	13,400	8,006
2018	6,325	6,046
Prior	6,765	5,213
Revolving Loans Amortized Cost Basis	2,297	3,079
Loans and leases	112,729	109,873
1-4 family real estate \| Pass [Member]
2022	23,427	47,097
2021	41,055	24,029
2020	18,981	16,188
2019	13,400	7,569
2018	5,895	5,845
Prior	6,567	5,213
Revolving Loans Amortized Cost Basis	2,297	3,079
Loans and leases	111,622	109,020
1-4 family real estate \| Special Mention [Member]
2022		37
2021	302
Loans and leases	302	37
1-4 family real estate \| Substandard [Member]
2021		178
2020	177
2019		437
2018	430	201
Prior	198
Loans and leases	805	816
Consumer
Loans and leases	$ 99,556	75,311
Consumer \| Internally Assigned Risk Rating [Member]
2022		1,558
2021		487
2020		108
2019		353
Prior		824
Revolving Loans Amortized Cost Basis		2,031
Loans and leases		5,361
Consumer \| Pass [Member]
2022		1,558
2021		487
2020		108
2019		216
Prior		824
Revolving Loans Amortized Cost Basis		2,031
Loans and leases		5,224
Consumer \| Substandard [Member]
2019		137
Loans and leases		$ 137

Note 4 - LOANS LEASES RECEIV_10

Note 4 - LOANS LEASES RECEIVABLE - Leases By Delinquency Status (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Loans and leases	$ 5,797,903	$ 4,680,132
Delinquency Status [Member]
2022	247,441	245,701
2021	275,762	152,113
2020	155,230	66,802
2019	45,772	36,973
2018	22,317	19,169
Prior	60,844	46,979
Revolving Loans Amortized Cost Basis	75,671	55,759
Loans and leases	883,037	623,496
Nonperforming Financial Instruments [Member]
Loans and leases	23,842	2,760
C&I - other
Loans and leases		1,346,602
C&I - other \| Nonperforming Financial Instruments [Member]
Loans and leases	1,716	1,401
Commercial Portfolio Segment [Member]
Loans and leases	1,725,947	1,595,085
Commercial Portfolio Segment [Member] \| C&I - other
Loans and leases	1,403,689	1,346,602
Commercial Portfolio Segment [Member] \| C&I - other \| Delinquency Status [Member]
2022	117,065	117,258
2021	86,412	54,438
2020	33,494	34,034
2019	12,485	14,642
2018	3,539	4,242
Prior	390	469
Loans and leases	253,385	225,083
Commercial Portfolio Segment [Member] \| C&I - other \| Performing Loans
2022	117,018	117,163
2021	85,405	54,261
2020	33,432	33,390
2019	12,475	14,274
2018	3,539	4,200
Prior	390	455
Loans and leases	252,259	223,743
Commercial Portfolio Segment [Member] \| C&I - other \| Nonperforming Financial Instruments [Member]
2022	47	95
2021	1,007	177
2020	62	644
2019	10	368
2018		42
Prior		14
Loans and leases	1,126	1,340
Direct financing leases
Loans and leases	40,050	45,191
Direct financing leases \| Delinquency Status [Member]
2022	15,481	6,690
2021	6,952	12,862
2020	7,603	11,638
2019	5,914	9,287
2018	3,234	3,713
Prior	866	1,001
Loans and leases	40,050	45,191
Direct financing leases \| Performing Loans
2022	15,481	6,690
2021	6,173	12,130
2020	7,528	11,638
2019	5,914	9,235
2018	3,234	3,695
Prior	866	956
Loans and leases	39,196	44,344
Direct financing leases \| Nonperforming Financial Instruments [Member]
2021	779	732
2020	75
2019		52
2018		18
Prior		45
Loans and leases	854	847
Construction and Land Development [Member] \| Nonperforming Financial Instruments [Member]
2022	524
2020	1,767
Loans and leases	2,291
Construction and Land Development [Member] \| Construction Loans [Member]
Loans and leases	1,080,372	918,571
Construction and Land Development [Member] \| Construction Loans [Member] \| Delinquency Status [Member]
2022	62,487	12,857
2021	57,234	2,080
2020	8,001
2019	4,747	494
2018	218	73
Prior	471
Revolving Loans Amortized Cost Basis	757	280
Loans and leases	133,915	15,784
Construction and Land Development [Member] \| Construction Loans [Member] \| Performing Loans
2022	61,963	12,857
2021	57,234	2,080
2020	6,234
2019	4,747	494
2018	218
Prior	471
Revolving Loans Amortized Cost Basis	757	280
Loans and leases	131,624	15,711
Construction and Land Development [Member] \| Construction Loans [Member] \| Nonperforming Financial Instruments [Member]
2018		73
Loans and leases	8,561	73
1-4 family real estate
Loans and leases	473,141	377,361
1-4 family real estate \| Delinquency Status [Member]
2022		104,005
2021		78,713
2020		19,001
2019		10,890
2018		10,533
Prior		44,278
Revolving Loans Amortized Cost Basis		68
Loans and leases		267,488
1-4 family real estate \| Performing Loans
2022		104,005
2021		78,713
2020		19,001
2019		10,784
2018		10,533
Prior		43,976
Revolving Loans Amortized Cost Basis		68
Loans and leases		267,080
1-4 family real estate \| Nonperforming Financial Instruments [Member]
2019		106
Prior		302
Loans and leases	3,143	408
1-4 family real estate \| One To Four Family [Member] \| Delinquency Status [Member]
2022	46,135
2021	119,889
2020	101,786
2019	20,620
2018	13,705
Prior	57,327
Revolving Loans Amortized Cost Basis	950
Loans and leases	360,412
1-4 family real estate \| One To Four Family [Member] \| Performing Loans
2022	46,135
2021	119,804
2020	100,058
2019	20,613
2018	13,705
Prior	57,076
Revolving Loans Amortized Cost Basis	950
Loans and leases	358,341
1-4 family real estate \| One To Four Family [Member] \| Nonperforming Financial Instruments [Member]
2021	85
2020	1,728
2019	7
Prior	251
Loans and leases	2,071
Residential real estate \| Nonperforming Financial Instruments [Member]
Loans and leases		408
Consumer
Loans and leases	99,556	75,311
Consumer \| Delinquency Status [Member]
2022	6,273	4,891
2021	5,275	4,020
2020	4,346	2,129
2019	2,006	1,660
2018	1,621	608
Prior	1,790	1,231
Revolving Loans Amortized Cost Basis	73,964	55,411
Loans and leases	95,275	69,950
Consumer \| Performing Loans
2022	6,124	4,891
2021	5,263	4,020
2020	4,333	2,114
2019	1,992	1,660
2018	1,588	593
Prior	1,742	1,230
Revolving Loans Amortized Cost Basis	73,964	55,411
Loans and leases	95,006	69,919
Consumer \| Nonperforming Financial Instruments [Member]
2022	149
2021	12
2020	13	15
2019	14
2018	33	15
Prior	48	1
Loans and leases	$ 269	31
Installment and other consumer loans \| Nonperforming Financial Instruments [Member]
Loans and leases		$ 31

Note 4 - LOANS LEASES RECEIV_11

Note 4 - LOANS LEASES RECEIVABLE - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022 USD ($) item loan	Jun. 30, 2021 USD ($) loan	Jun. 30, 2022 USD ($) loan item	Jun. 30, 2021 USD ($) loan
Number of loans restructured \| item	0		0
Number of Loans / Leases \| loan		3		3
Pre-Modification Recorded Investment		$ 2,599		$ 2,599
Post-Modification Recorded Investment		2,599		2,599
Specific Allowance		$ 189		$ 189
Interest Rate Adjusted Below Market
Number of Loans / Leases \| loan		2		2
Pre-Modification Recorded Investment		$ 67		$ 67
Post-Modification Recorded Investment		67		67
Specific Allowance		$ 7		$ 7
Direct financing leases \| Payment Deferral [Member]
Number of Loans / Leases \| loan	1		1
Pre-Modification Recorded Investment	$ 51		$ 51
Post-Modification Recorded Investment	$ 51		$ 51
1-4 family real estate \| Interest Rate Adjusted Below Market
Number of Loans / Leases \| loan		1		1
Pre-Modification Recorded Investment		$ 54		$ 54
Post-Modification Recorded Investment		54		54
Specific Allowance		$ 6		$ 6
Consumer \| Extended Maturity [Member]
Number of Loans / Leases \| loan		1		1
Pre-Modification Recorded Investment		$ 2,532		$ 2,532
Post-Modification Recorded Investment		2,532		2,532
Specific Allowance		$ 182		$ 182
Consumer \| Interest Rate Adjusted Below Market
Number of Loans / Leases \| loan		1		1
Pre-Modification Recorded Investment		$ 13		$ 13
Post-Modification Recorded Investment		13		13
Specific Allowance		$ 1		$ 1

Note 4 - LOANS LEASES RECEIV_12

Note 4 - LOANS LEASES RECEIVABLE - Adoption of ASU 2016-13 (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Balance	$ 74,786	$ 81,831	$ 78,721	$ 84,376
Provisions (credited) to expense	11,200		8,284	6,713
Balance	92,425	78,894	92,425	78,894
Guaranty Bank
Provisions (credited) to expense	1,400		1,400
Accounting Standards Update 2016-13
Balance		(8,102)		(8,102)
Unfunded Loan Commitment
Balance	7,819	9,846	6,886
Provisions (credited) to expense	(941)	141	(8)	870
Balance	$ 6,878	$ 9,987	$ 6,878	9,987
Unfunded Loan Commitment \| Accounting Standards Update 2016-13
Balance				$ 9,117

Note 5 - DERIVATIVES AND HEDG_3

Note 5 - DERIVATIVES AND HEDGING ACTIVITIES (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Deposits	$ 5,820,657	$ 4,922,772
Cash Flow Hedging
Deposits	300,000
Interest rate cap \| Cash Flow Hedging
Initial premium paid upfront for the two caps	$ 3,500

Note 5 - DERIVATIVES AND HEDG_4

Note 5 - DERIVATIVES AND HEDGING ACTIVITIES - Summary of Derivatives (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Derivative Assets	$ 97,455	$ 222,220
Derivative Liabilities	(113,305)	(225,135)
Interest rate cap
Derivative Assets	1,576	238
Interest rate cap \| Cash Flow Hedging
Derivative Assets	6,108	927
Interest rate swap
Derivative Assets	89,645	221,055
Derivative Liabilities	(89,645)	(221,055)
Interest rate swap \| Cash Flow Hedging
Derivative Assets	126
Derivative Liabilities	$ (23,660)	$ (4,080)

Note 5 - DERIVATIVES AND HEDG_5

Note 5 - DERIVATIVES AND HEDGING ACTIVITIES - Summary of Interest Rate Cap Derivatives (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Derivative Assets	$ 97,455	$ 222,220
Interest rate swap
Derivative Assets	89,645	221,055
Interest rate cap
Derivative Assets	1,576	238
Cash Flow Hedging \| Interest rate swap
Derivative Assets	126
Cash Flow Hedging \| Interest rate cap
Derivative Assets	6,108	927
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2023 [Member]
Notional Amount	25,000
Fair Value - Asset	$ 122	5
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2023 [Member]
Notional Amount	$ 50,000
Fair Value - Asset	$ 219	11
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2023 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 109	5
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2024 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 529	60
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2024 [Member]
Notional Amount	$ 50,000
Fair Value - Asset	$ 1,081	125
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2024 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 540	62
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2025 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 861	161
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2025 [Member]
Notional Amount	$ 50,000
Fair Value - Asset	$ 1,765	332
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Four Maturing 2025 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 882	166
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Four Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Interest rate cap
Notional Amount	$ 300,000
Fair Value - Asset	6,108	927
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging
Notional Amount	300,000
Fair Value - Liability	(23,617)	(89)
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Interest rate swap
Notional Amount	49,310
Fair Value - Liability		(3,991)
Fair value, net	83
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust II
Notional Amount	10,000
Fair Value - Liability	$ (12)	(1,035)
Receive Rate	3.86%
Pay Rate	5.85%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust III
Notional Amount	$ 8,000
Fair Value - Liability	$ (9)	(828)
Receive Rate	3.86%
Pay Rate	5.85%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust V
Notional Amount	$ 10,000
Fair Value - Liability	$ (3)	(996)
Receive Rate	1.79%
Pay Rate	4.54%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Community National Statutory Trust II
Notional Amount	$ 3,000
Fair Value - Liability	$ (4)	(309)
Receive Rate	3.10%
Pay Rate	5.17%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Community National Statutory Trust III
Notional Amount	$ 3,500
Fair Value - Liability	$ (7)	(360)
Receive Rate	2.58%
Pay Rate	4.75%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Guaranty Bankshares Statutory Trust I
Notional Amount	$ 4,500
Fair Value - Liability	$ (8)	(463)
Receive Rate	2.58%
Pay Rate	4.75%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Guaranty Statutory Trust II
Notional Amount	$ 10,310
Fair Value - Asset	$ 126
Receive Rate	2.95%
Pay Rate	4.09%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loans, one
Notional Amount	$ 35,000
Fair Value - Liability	$ (4,038)	(17)
Receive Rate	1.40%
Pay Rate	1.79%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loans, two
Notional Amount	$ 50,000
Fair Value - Liability	$ (5,768)	(25)
Receive Rate	1.40%
Pay Rate	1.79%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loans, three
Notional Amount	$ 40,000
Fair Value - Liability	$ (4,627)	(34)
Receive Rate	1.40%
Pay Rate	1.79%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loans, four
Notional Amount	$ 25,000
Fair Value - Liability	$ (2,884)	(13)
Receive Rate	1.40%
Pay Rate	1.79%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loan five
Notional Amount	$ 15,000
Fair Value - Liability	$ (630)
Receive Rate	1.91%
Pay Rate	1.79%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loan six
Notional Amount	$ 50,000
Fair Value - Liability	$ (2,100)
Receive Rate	1.91%
Pay Rate	1.79%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loan seven
Notional Amount	$ 35,000
Fair Value - Liability	$ (1,470)
Receive Rate	1.91%
Pay Rate	1.79%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loan eight
Notional Amount	$ 50,000
Fair Value - Liability	$ (2,100)
Receive Rate	1.91%
Pay Rate	1.79%
Non Designated \| Interest rate swap
Derivative Assets	$ 89,645	221,055
Non Designated \| Derivative Assets.
Notional Amount	75,000
Derivative Assets	1,576	238
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2023 [Member]
Notional Amount	25,000
Derivative Assets	$ 119	3
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2024 [Member]
Notional Amount	$ 25,000
Derivative Assets	$ 555	62
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2025 [Member]
Notional Amount	$ 25,000
Derivative Assets	$ 902	$ 173
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%

Note 5 - DERIVATIVES AND HEDG_6

Note 5 - DERIVATIVES AND HEDGING ACTIVITIES - Significantly Impact of operations (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Derivative Assets	$ 97,455	$ 222,220
Derivative Liabilities.	113,305	225,135
Interest rate swap
Derivative Assets	89,645	221,055
Derivative Liabilities.	89,645	221,055
Non Designated \| Interest rate swap
Derivative Asset, Notional Amount	2,213,781	2,024,599
Derivative Assets	89,645	221,055
Derivative Liability, Notional Amount	2,213,781	2,024,599
Derivative Liabilities.	$ 89,645	$ 221,055

Note 5 - DERIVATIVES AND HEDG_7

Note 5 - DERIVATIVES AND HEDGING ACTIVITIES - Cash flow hedging and fair value (Details) - Non Designated - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest And Dividend Income
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Income and expense line items presented in the consolidated statements of income	$ 68,205	$ 48,903	$ 119,267	$ 96,468
Interest Expense
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Income and expense line items presented in the consolidated statements of income	8,805	5,387	14,134	10,977
Interest Rate Caps On Deposits \| Interest Expense
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Gain Loss From Components Excluded From Assessment Of Cash Flow Hedge Effectiveness Net	241	163	462	314
Interest Rate Swaps on Variable Rate Loans \| Interest And Dividend Income
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Gain Loss From Components Excluded From Assessment Of Cash Flow Hedge Effectiveness Net	671		1,142
Interest Rate Swap on Junior Subordinated Debentures \| Interest Expense
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Gain Loss From Components Excluded From Assessment Of Cash Flow Hedge Effectiveness Net	$ 196	$ 276	$ 463	$ 545

Note 5 - DERIVATIVES AND HEDG_8

Note 5 - DERIVATIVES AND HEDGING ACTIVITIES - Hedged Interest Rate Swaps and Non-hedged Interest Rate Swaps (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Derivative [Line Items]
Swapped loan portfolio loan-to-value percentage, including the potential swap exposure	65%
Interest rate swap
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	$ 170,130	$ 228,925
Interest rate swap \| Cash
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	1,720	21,100
Interest rate swap \| U.S. govt. sponsored agency securities.
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	3,497	3,555
Interest rate swap \| Municipal securities
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	109,018	139,166
Interest rate swap \| Residential mortgage-backed and related securities
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	$ 55,895	$ 65,104

Note 6 - INCOME TAXES - Reconci

Note 6 - INCOME TAXES - Reconciliation of the Expected Federal Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
INCOME TAXES
Computed "expected" tax expense	$ 3,514	$ 5,699	$ 8,965	$ 10,219
Tax exempt income, net	(2,476)	(1,802)	(4,698)	(3,521)
Bank-owned life insurance	(73)	(95)	(146)	(194)
State income taxes, net of federal benefit, current year	982	1,247	2,273	2,271
Provision adjustment from accounting method change			1,181
Tax Credits	(289)	(57)	(531)	(114)
Income from tax credit equity investments	(158)		143
Acquisition costs	242		372
Excess tax benefit on stock options exercised and restricted stock awards vested	(40)	(40)	(474)	(204)
Other	(526)	(164)	(612)	(128)
Federal and state income tax expense	$ 1,492	$ 4,788	$ 3,825	$ 8,329
Computed "expected" tax expense (in percentage)	21%	21%	21%	21%
Tax exempt income, net (in percentage)	(14.80%)	(6.60%)	(11.00%)	(7.20%)
Bank-owned life insurance (in percentage)	(0.40%)	(0.40%)	(0.30%)	(0.40%)
State income taxes, net of federal benefit, current year (in percentage)	5.90%	4.60%	5.30%	4.70%
Provision adjustment from accounting method change (in percentage)			(2.80%)
Tax credits (in percentage)	(1.70%)	(0.20%)	(1.20%)	(0.20%)
Income from tax credit equity investments (in percentage)	(0.90%)		0.30%
Acquisition costs (in percentage)	1.40%		0.90%
Excess tax benefit on stock options exercised and restricted stock awards vested (in percentage)	(0.20%)	(0.10%)	(1.10%)	(0.40%)
Other (in percentage)	(3.20%)	(0.70%)	(1.50%)	(0.30%)
Federal and state income tax expense (in percentage)	8.90%	17.60%	9%	17.20%

Note 7 - Earnings per Share - B

Note 7 - Earnings per Share - Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2022	Mar. 31, 2022	Jun. 30, 2021	Mar. 31, 2021	Jun. 30, 2022	Jun. 30, 2021
Earnings per Share
Net income	$ 15,242	$ 23,624	$ 22,349	$ 17,982	$ 38,866	$ 40,331
Basic EPS	$ 0.88		$ 1.41		$ 2.36	$ 2.55
Diluted EPS	$ 0.87		$ 1.39		$ 2.33	$ 2.52
Weighted average common shares outstanding	17,345,324		15,813,932		16,485,218	15,808,788
Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan (in shares)	203,783		231,307		215,464	226,606
Weighted average common and common equivalent shares outstanding (in shares)	17,549,107		16,045,239		16,700,682	16,035,394

Note 8 - FAIR VALUE (Details)

Note 8 - FAIR VALUE (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities available for sale, at fair value	$ 371,413	$ 337,830
Derivatives	97,455	222,220
Assets Fair Value	49,555
Derivatives	113,305	225,135
Interest rate swap
Derivatives	89,645	221,055
Derivatives	89,645	221,055
Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	49,555
Fair Value, Measurements, Recurring [Member]
Derivatives	97,455	222,220
Assets Fair Value	468,868	560,050
Liabilities Fair Value	113,305	225,135
Fair Value, Measurements, Recurring [Member] \| Interest rate swap
Derivatives	113,305	225,135
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives	97,455	222,220
Assets Fair Value	468,868	560,050
Liabilities Fair Value	113,305	225,135
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest rate swap
Derivatives	113,305	225,135
U.S. treasuries and govt. sponsored agency securities
Securities available for sale, at fair value	20,448	23,328
U.S. treasuries and govt. sponsored agency securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	20,448	23,328
U.S. treasuries and govt. sponsored agency securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	20,448	23,328
Residential mortgage-backed and related securities
Securities available for sale, at fair value	81,247	94,323
Residential mortgage-backed and related securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	81,247	94,323
Residential mortgage-backed and related securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	81,247	94,323
Asset-backed securities
Securities available for sale, at fair value	19,956	27,124
Asset-backed securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	19,956	27,124
Asset-backed securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	19,956	27,124
Municipal securities.
Securities available for sale, at fair value	202,985	168,266
Municipal securities. \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	202,985	168,266
Municipal securities. \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	202,985	168,266
Other Securities
Securities available for sale, at fair value	46,777	24,789
Other Securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	46,777	24,789
Other Securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	46,777	24,789
Impaired Loans Leases [Member]
Assets Fair Value	49,334	6,618
Impaired Loans Leases [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	49,334	$ 6,618
Other Real Estate Owned [Member]
Assets Fair Value	221
Other Real Estate Owned [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	$ 221

Note 8 - FAIR VALUE - Quantitat

Note 8 - FAIR VALUE - Quantitative Information About Level Fair Value Measurements (Details) $ in Thousands	Jun. 30, 2022 USD ($) item	Dec. 31, 2021 USD ($)
Fair value	$ 49,555
Impaired Loans Leases [Member]
Fair value	$ 49,334	$ 6,618
Valuation technique	qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input	us-gaap:MeasurementInputAppraisedValueMember
Impaired Loans Leases [Member] \| Minimum
Impaired loans/leases, measurement input \| item	(10)
Impaired Loans Leases [Member] \| Maximum
Impaired loans/leases, measurement input \| item	(30)
Other Real Estate Owned [Member]
Fair value	$ 221
Fair Value, Inputs, Level 3 [Member]
Fair value	49,555
Fair Value, Inputs, Level 3 [Member] \| Impaired Loans Leases [Member]
Fair value	49,334	$ 6,618
Fair Value, Inputs, Level 3 [Member] \| Other Real Estate Owned [Member]
Fair value	$ 221

Note 8 - FAIR VALUE - Carrying

Note 8 - FAIR VALUE - Carrying Values and Estimated Fair Values of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Interest-bearing deposits at financial institutions	$ 54,382	$ 75,292
Securities held to maturity, fair value	497,954	522,297
Securities available for sale, at fair value	371,413	337,830
Derivatives	97,455	222,220
Derivatives	113,305	225,135
Interest rate cap
Derivatives	1,576	238
Interest rate swap
Derivatives	89,645	221,055
Derivatives	89,645	221,055
Fair Value, Inputs, Level 1 [Member] \| Carrying Value
Cash and due from banks	92,379	37,490
Fair Value, Inputs, Level 1 [Member] \| Estimated Fair Value
Cash and due from banks	92,379	37,490
Fair Value, Inputs, Level 2 [Member] \| Carrying Value
Federal funds sold	2,150	12,370
Securities held to maturity, fair value	508,505	472,385
Securities available for sale, at fair value	371,413	337,830
Loans/leases receivable, net	5,659,798	4,595,283
Short-term borrowings	1,070	3,800
FHLB advances	400,000	15,000
Subordinated notes	133,562	113,850
Junior subordinated debentures	48,534	38,155
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Non-maturity Deposits [Member]
Deposits	5,259,509	4,501,424
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Time Deposits [Member]
Deposits	561,148	421,348
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest rate cap
Derivatives	97,455	222,220
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest rate swap
Derivatives	113,305	225,135
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions	54,382	75,292
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value
Federal funds sold	2,150	12,370
Securities held to maturity, fair value	497,954	522,297
Securities available for sale, at fair value	371,413	337,830
Loans/leases receivable, net	5,662,328	4,478,899
Short-term borrowings	1,070	3,800
FHLB advances	400,000	15,000
Subordinated notes	136,175	116,203
Junior subordinated debentures	41,970	31,072
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Non-maturity Deposits [Member]
Deposits	5,259,509	4,501,424
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Time Deposits [Member]
Deposits	546,315	419,453
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest rate cap
Derivatives	97,455	222,220
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest rate swap
Derivatives	113,305	225,135
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions	54,382	75,292
Fair Value, Inputs, Level 3 [Member] \| Carrying Value
Loans/leases receivable, net	45,680	6,128
Fair Value, Inputs, Level 3 [Member] \| Estimated Fair Value
Loans/leases receivable, net	49,334	6,618
Fair Value, Measurements, Recurring [Member]
Derivatives	97,455	222,220
Fair Value, Measurements, Recurring [Member] \| Interest rate swap
Derivatives	113,305	225,135
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives	97,455	222,220
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest rate swap
Derivatives	$ 113,305	$ 225,135

Note 9 - BUSINESS SEGMENT INF_3

Note 9 - BUSINESS SEGMENT INFORMATION - (Details)	Jun. 30, 2022 subsidiary
Number of subsidiaries commercial banks	4
Commercial Banking
Number of subsidiaries commercial banks	4

Note 9 - BUSINESS SEGMENT INF_4

Note 9 - BUSINESS SEGMENT INFORMATION - Selected Financial Information on the Company's Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2022	Mar. 31, 2022	Jun. 30, 2021	Mar. 31, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Total revenue	$ 90,987		$ 68,199		$ 157,682	$ 139,253
Net interest income	59,400		43,516		105,133	85,491
Provision for credit losses	11,200				8,284	6,713
Net income (loss) from continuing operations	15,242	$ 23,624	22,349	$ 17,982	38,866	40,331
Goodwill	137,607		74,066		137,607	74,066	$ 74,066
Intangibles	18,333		10,365		18,333	10,365	9,349
Total assets	7,392,941		5,805,165		7,392,941	5,805,165	$ 6,096,132
Intersegment Eliminations [Member]
Total revenue	(27,005)		(102)		(56,073)	(224)
Net interest income	345		327		691	575
Net income (loss) from continuing operations	(26,452)		(26,589)		(54,984)	(49,446)
Total assets	(923,834)		(179,303)		(923,834)	(179,303)
Commercial Banking \| QCBT \| Operating Segments [Member]
Total revenue	23,722		21,676		46,202	42,960
Net interest income	18,540		16,152		35,854	31,938
Provision for credit losses	617		136		(642)	2,248
Net income (loss) from continuing operations	8,425		8,679		18,395	15,843
Goodwill	3,223		3,223		3,223	3,223
Total assets	2,122,852		2,059,634		2,122,852	2,059,634
Commercial Banking \| CRBT \| Operating Segments [Member]
Total revenue	31,715		26,498		56,926	56,855
Net interest income	15,093		14,005		29,416	27,611
Provision for credit losses	(165)		(692)		(936)	1,492
Net income (loss) from continuing operations	13,256		11,145		24,385	22,541
Goodwill	14,980		14,980		14,980	14,980
Intangibles	1,463		1,946		1,463	1,946
Total assets	1,985,198		1,913,761		1,985,198	1,913,761
Commercial Banking \| CSB \| Operating Segments [Member]
Total revenue	12,091		10,809		23,407	21,232
Net interest income	9,851		8,672		19,182	17,040
Provision for credit losses	100		756		(285)	2,122
Net income (loss) from continuing operations	3,374		3,109		7,500	5,171
Goodwill	9,888		9,888		9,888	9,888
Intangibles	2,340		2,979		2,340	2,979
Total assets	1,221,406		1,079,930		1,221,406	1,079,930
Commercial Banking \| Guaranty Bank \| Operating Segments [Member]
Total revenue	23,669		9,181		31,513	17,927
Net interest income	18,065		6,479		24,593	12,548
Provision for credit losses	10,648		(200)		10,147	851
Net income (loss) from continuing operations	1,027		3,685		4,131	5,954
Goodwill	109,516		45,975		109,516	45,975
Intangibles	14,530		5,440		14,530	5,440
Total assets	2,037,364		850,067		2,037,364	850,067
Other Segments \| Operating Segments [Member]
Total revenue	26,795		137		55,707	503
Net interest income	(2,494)		(2,119)		(4,603)	(4,221)
Net income (loss) from continuing operations	15,612		22,320		39,439	40,268
Total assets	$ 949,955		$ 81,076		$ 949,955	$ 81,076

Note 10 - REGULATORY CAPITAL _3

Note 10 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Total risk-based capital, actual, amount	$ 907,484	$ 814,629
Total risk-based capital, actual, ratio	0.1340	0.1477
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 543,913	$ 441,100
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8%	8%
Total risk-based capital for capital adequacy purposes, amount	$ 713,885	$ 578,944
Total risk-based capital for capital adequacy purposes, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 679,891	$ 551,375
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 689,200	$ 631,649
Tier 1 risk-based capital, actual, ratio	0.1018	0.1146
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 407,934	$ 330,825
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6%	6%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 577,907	$ 468,669
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 543,913	$ 441,100
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 689,200	$ 631,649
Tier 1 leverage, actual, ratio	0.0961	0.1046
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 286,877	$ 241,579
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4%	4%
Tier 1 leverage for capital adequacy purposes, amount	$ 286,877	$ 241,579
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 358,596	$ 301,974
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 640,666	$ 593,494
Common equity Tier 1, actual ratio	0.0946	0.1076
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 305,951	$ 248,119
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 475,923	$ 385,962
Common equity Tier 1 for capital adequacy purposes, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 441,929	$ 358,394
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
QCBT
Total risk-based capital, actual, amount	$ 257,008	$ 247,658
Total risk-based capital, actual, ratio	0.1373	0.1329
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 149,733	$ 149,126
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8%	8%
Total risk-based capital for capital adequacy purposes, amount	$ 196,525	$ 195,727
Total risk-based capital for capital adequacy purposes, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 187,166	$ 186,407
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 233,523	$ 224,253
Tier 1 risk-based capital, actual, ratio	0.1248	0.1203
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 112,300	$ 111,844
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6%	6%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 159,091	$ 158,446
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 149,733	$ 149,126
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 233,523	$ 224,253
Tier 1 leverage, actual, ratio	0.1074	0.1045
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 87,009	$ 85,873
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4%	4%
Tier 1 leverage for capital adequacy purposes, amount	$ 87,009	$ 85,873
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 108,761	$ 107,341
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 233,523	$ 224,253
Common equity Tier 1, actual ratio	0.1248	0.1203
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 84,225	$ 83,883
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 131,016	$ 130,485
Common equity Tier 1 for capital adequacy purposes, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 121,658	$ 121,164
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
CRBT
Total risk-based capital, actual, amount	$ 276,943	$ 277,673
Total risk-based capital, actual, ratio	0.1439	0.1485
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 153,929	$ 149,595
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8%	8%
Total risk-based capital for capital adequacy purposes, amount	$ 202,032	$ 196,343
Total risk-based capital for capital adequacy purposes, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 192,412	$ 186,993
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 252,865	$ 254,279
Tier 1 risk-based capital, actual, ratio	0.1314	0.1360
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 115,447	$ 112,196
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6%	6%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 163,550	$ 158,944
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 153,929	$ 149,595
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 252,865	$ 254,279
Tier 1 leverage, actual, ratio	0.1299	0.1259
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 77,854	$ 80,777
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4%	4%
Tier 1 leverage for capital adequacy purposes, amount	$ 77,854	$ 80,777
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 97,318	$ 100,971
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 252,865	$ 254,279
Common equity Tier 1, actual ratio	0.1314	0.1360
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 86,585	$ 84,147
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 134,688	$ 130,895
Common equity Tier 1 for capital adequacy purposes, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 125,067	$ 121,546
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
CSB
Total risk-based capital, actual, amount	$ 132,136	$ 123,365
Total risk-based capital, actual, ratio	0.1184	0.1195
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 89,251	$ 82,601
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8%	8%
Total risk-based capital for capital adequacy purposes, amount	$ 117,142	$ 108,413
Total risk-based capital for capital adequacy purposes, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 111,563	$ 103,251
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 118,157	$ 110,410
Tier 1 risk-based capital, actual, ratio	0.1059	0.1069
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 66,938	$ 61,951
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6%	6%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 94,829	$ 87,763
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 89,251	$ 82,601
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 118,157	$ 110,410
Tier 1 leverage, actual, ratio	0.0992	0.0967
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 47,630	$ 45,676
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4%	4%
Tier 1 leverage for capital adequacy purposes, amount	$ 47,630	$ 45,676
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 59,537	$ 57,095
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 118,157	$ 110,410
Common equity Tier 1, actual ratio	0.1059	0.1069
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 50,204	$ 46,463
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 78,094	$ 72,276
Common equity Tier 1 for capital adequacy purposes, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 72,516	$ 67,113
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
SFCB
Total risk-based capital, actual, amount		$ 101,067
Total risk-based capital, actual, ratio		0.1339
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 60,369
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer		8%
Total risk-based capital for capital adequacy purposes, amount		$ 79,235
Total risk-based capital for capital adequacy purposes, ratio		0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount		$ 75,462
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio		0.1000
Tier 1 risk-based capital, actual, amount		$ 91,625
Tier 1 risk-based capital, actual, ratio		0.1214
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 45,277
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer		6%
Tier 1 risk-based capital for capital adequacy purposes, amount		$ 64,142
Tier 1 risk-based capital for capital adequacy purposes, ratio		0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount		$ 60,369
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio		0.0800
Tier 1 leverage, actual, amount		$ 91,625
Tier 1 leverage, actual, ratio		0.1108
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer		$ 33,088
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer		4%
Tier 1 leverage for capital adequacy purposes, amount		$ 33,088
Tier 1 leverage for capital adequacy purposes, ratio		0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount		$ 41,360
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio		0.0500
Common equity Tier 1, actual, amount		$ 91,625
Common equity Tier 1, actual ratio		0.1214
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer		$ 33,958
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer		4.50%
Common equity Tier 1 for capital adequacy purposes, amount		$ 52,823
Common equity Tier 1 for capital adequacy purposes, ratio		7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount		$ 49,050
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio		6.50%
Guaranty Bank
Total risk-based capital, actual, amount	$ 220,292
Total risk-based capital, actual, ratio	0.1208
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 148,137
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8%
Total risk-based capital for capital adequacy purposes, amount	$ 194,429
Total risk-based capital for capital adequacy purposes, ratio	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 185,171
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000
Tier 1 risk-based capital, actual, amount	$ 197,467
Tier 1 risk-based capital, actual, ratio	0.1083
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 111,103
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 157,395
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 148,137
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800
Tier 1 leverage, actual, amount	$ 197,467
Tier 1 leverage, actual, ratio	0.1062
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 74,370
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4%
Tier 1 leverage for capital adequacy purposes, amount	$ 74,370
Tier 1 leverage for capital adequacy purposes, ratio	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 92,963
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500
Common equity Tier 1, actual, amount	$ 197,467
Common equity Tier 1, actual ratio	0.1083
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 83,327
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 129,620
Common equity Tier 1 for capital adequacy purposes, ratio	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 120,361
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%