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Return exactly ten single-sentence facts as JSON. Quality was judged pairwise; here you see the raw outputs and whether the JSON parsed.

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PromptQCRH· Q1 2026 · call on2026-04-23· transcript 39,629 characters
Analyze the following earnings call transcript and extract the 10 most investor-relevant facts.

Each fact must:
- Be drawn only from the transcript (do not use any outside information).
- Be a single sentence capturing a specific, quantified insight relevant to investors.
- Avoid regurgitating the transcript verbatim; instead, synthesize and distill the information into investor-relevant facts.

Return only a JSON object with this exact structure (no markdown fences, no commentary):
{"facts": ["<fact 1>", "<fact 2>", ..., "<fact 10>"]}

The list must contain exactly 10 facts.

Transcript:
<transcript>
transcript redacted — the source calls are not publicly licensed
</transcript>
System prompt · identical for every setup
You are a financial analyst. You extract the most investor-relevant facts from earnings call transcripts to help investors anticipate the stock's reaction to the call.
Reference

No reference summary is published. Quality was judged pairwise by a separate model and is reported in aggregate on the main page.

Models
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Ours

10 facts · valid JSON
  1. Q1 2026 net income reached a record $33 million with earnings per share of $1.99, representing a 31% year-over-year increase.
  2. Management returned $25 million to shareholders in just over 288,000 shares repurchased during the quarter since August 2015.
  3. Noninterest expense decreased to $52 million, resulting in an adjusted core efficiency ratio of 57.7% for the quarter.
  4. The company identified $523 million in LIHTC loans planned for securitization and sale in the second quarter to expand permanent lending capacity.
  5. Capital markets revenue guidance for the next four quarters was increased to a range of $60 million to $70 million.
  6. Gross annualized loan growth guidance remains at 10% to 15% for the final three quarters of 2026.
  7. Second quarter NIM TEY guidance is static to up 3 basis points, supported by $163 million in loan reset opportunities and CD repricing.
  8. Nonperforming assets decreased to $43 million, keeping the NPA ratio static at 0.45% with net charge-offs declining to $4 million.
  9. Effective tax rate for the quarter fell to 7% due to a higher mix of tax-exempt income, with guidance of 8% to 10% for Q2.
  10. The company completed its second of four planned core system conversions in early April as part of its digital transformation strategy.
1,347 characters352 tokens

Aux 2015

Invalid JSONshown as written

Based on the transcript provided, here are the 10 most investor-relevant facts extracted from the QCR Holdings, Inc. earnings call:

  1. QCRH is a leading provider of commercial banking services in the Midwest and Southeastern United States.
  2. QCRH's core banking business continues to deliver solid organic growth supported by healthy commercial and industrial activity.
  3. QCRH's multi-charter model enables it to consistently gain market share with locally led community banks to build deep relationships with high-value clients and communities.
  4. QCRH's digital transformation is on track with the successful completion of the second of 4 core system conversions in early April.
  5. QCRH's Wealth Management business delivered strong results with annualized revenue growth of 14% and annualized client assets under management of $1.2 billion.
  6. QCRH's LIHTC lending business continues to perform as the demand for affordable housing remains robust, driven by a lack of supply and ongoing affordability challenges nationwide.
  7. QCRH's LIHTC Industries proven long-term performance drives investor demand for these assets, enabling it to execute LIHTC loan securitizations and sales.
  8. QCRH's strong relationships with industry-leading LIHTC developers, combined with market demand, position it well to capture market share from the larger competitors in this space.
  9. QCRH's LIHTC Industries proven long-term performance drives investor demand for these assets, enabling it to execute LIHTC loan securitizations and sales.
  10. QCRH's strong relationships with industry-leading LIHTC developers, combined with market demand, position it well to capture market share from the larger competitors in this space.

These facts are drawn directly from the transcript and are quantified insights relevant to investors.

1,857 charactersfirst of 2 attempts388 tokens

PiT-FT 2015

Invalid JSONshown as written
<|assistant|>
<|assistant|>
<|assistant|>

The same 14-character fragment repeats 292 times until the token limit. Showing the first three.

4,099 charactersfirst of 2 attempts2,048 tokens

ChronoGPT 2015

Invalid JSONshown as written

### Question:

What is the most profitable first quarter in your company's history?

### Answer:
109 charactersfirst of 2 attempts31 tokens