QNB Corp
ir.qnbbank.comWhat Do They Do?
Takes deposits and makes commercial, mortgage and consumer loans for local businesses and individuals in southeastern Pennsylvania.
10-K for FY2025, filed Mar 16, 2026
How Do They Make Money?
Earns interest on loans and investment securities and pays interest on deposits. It charges customers account fees on transaction days or within the service month, and receives advisory fees quarterly in advance.
10-K for FY2025, filed Mar 16, 2026QNB Corp. (“QNB” or the “Company”) earns its net income primarily through its subsidiary, QNB Bank (the “Bank”). Net interest income, or…View ↗
Fees for services to customers—fees include service charges on deposits which are included as liabilities in the consolidated statement of…View ↗
Retail brokerage and advisory—fee income and related expenses are accrued monthly to properly record the revenues in the month they are…View ↗
$92.6M
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10-K for FY2025, filed Mar 16, 2026
$92.6M ↗
Who Are Their Customers?
Serves local businesses and individuals in Bucks, Montgomery and Lehigh counties through community banking offices, internet banking and mobile banking.
10-K for FY2025, filed Mar 16, 2026Prior to December 28, 2007, the Bank was a national banking association organized in 1877 as The Quakertown National Bank, was chartered…View ↗
In addition, as a result of consolidation in the banking industry, some of QNB’s competitors may enjoy advantages such as greater financial…View ↗
Competition for loans and deposits comes principally from commercial banks, savings institutions, credit unions and non-bank financial…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 15 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Mar 16, 2026
10-K for FY2025, filed Mar 16, 2026
$14.1MView ↗
How Are They Changing?
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Sep 8, 2026
Portfolio sale is expected to produce a pretax loss
The $26.2 million loss is expected in third-quarter 2026; proceeds will fund securities purchases and loan growth.
Sources
8-K, filed Sep 8, 2026
On September 8, 2026, QNB Corp. (the "Company”) issued a press release announcing the execution of a strategic repositioning of a portion…View ↗
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Apr 7, 2026
QNB completed its acquisition of Victory Bancorp
Victory Bank merged into QNB Bank, which continued as the surviving bank.
Sources
8-K, filed Apr 7, 2026
As referenced above, on April 1, 2026, the Company completed its previously announced acquisition of Victory pursuant to the Merger…View ↗
Growing. Revenue grew 98% in 4 years, from $46.8M in FY2021 to $92.6M in FY2025, about 19% a year.
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