{"filings":[{"id":799716,"accession_number":"0000750558-26-000007","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2026-06-02T17:36:21+00:00","items":["7.01","9.01"],"status":"ready","headline":"QNB Corp. provides slide presentation on strategy and performance","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Slide presentation distributed to investors on June 2, 2026, covering operating and growth strategies and financial performance.","No specific financial results or guidance included in the filing; details not publicly disclosed.","Presentation furnished under Regulation FD; not deemed filed for SEC purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":66001,"accession_number":"0001193125-26-221451","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2026-05-13T19:16:02+00:00","items":["5.02","9.01"],"status":"ready","headline":"QNB Corp. names Christopher Cattie next President of QNB Bank; CEO Freeman to retire in 2028","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Christopher Cattie, currently EVP/COO, will become President of QNB Bank and join Boards effective Nov 1, 2026.","Current President/CEO David W. Freeman will remain CEO until his planned retirement on Dec 31, 2028.","Cattie to succeed Freeman as President and CEO of both QNB Corp. and QNB Bank upon retirement.","Succession follows a comprehensive executive search and board review; Smith & Wilkinson acted as advisor.","Cattie has been with QNB over 10 years, most recently as COO since Jan 1, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98667,"accession_number":"0001193125-26-185233","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2026-04-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"QNB Corp. Q1 net income rises to $0.73/sh from $0.69/sh; adj. EPS $0.93","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.765M, diluted EPS $0.73 vs $0.69 in Q1 2025.","Adjusted diluted EPS (non-GAAP) $0.93 excludes $754K after-tax merger costs.","Annualized ROAA 0.59%, ROAE 8.40%; adjusted ROAA 0.75%, adj. ROAE 10.69%.","Merger-related costs are significant one-time items not normal recurring expenses."],"consensus_eps_estimate":null,"consensus_eps_actual":0.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98666,"accession_number":"0001193125-26-144787","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2026-04-07T23:59:59+00:00","items":["2.01","5.02","5.03","8.01","9.01"],"status":"ready","headline":"QNB Corp. completes acquisition of Victory Bancorp; Victory Bank to integrate in June","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Each Victory share exchanged for 0.55 QNB share; deal closed April 1, 2026.","Joseph W. Major and Kevin L. Johnson appointed to QNB Board; Major as Vice Chairman.","Major entered 24-month consulting/non-compete agreement for $665,865.","Victory Bank to operate as QNB division until systems conversion weekend of June 19-21, 2026.","Combined bank will have 14 full-service offices across three Pennsylvania counties."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114280,"accession_number":"0001193125-26-126382","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2026-03-26T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"QNB Corp. files 8-K furnishing investor presentation, no material news","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["QNB Corp. provided a slide presentation to analysts and investors on March 26, 2026.","The presentation reviews operating strategies, growth plans, and financial performance.","No specific quantitative updates, guidance changes, or material events were disclosed.","The filing is a routine Regulation FD disclosure with no new financial data.","No change in dividends, earnings, or other key metrics reported."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114279,"accession_number":"0001193125-26-071157","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2026-02-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"QNB Corp receives all regulatory approvals for Victory Bancorp merger","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Received all required regulatory approvals for merger with Victory Bancorp, announced Sep 23, 2025.","Merger expected to close in Q2 2026, subject to customary closing conditions.","No additional deal terms or financial details disclosed in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114278,"accession_number":"0001193125-26-059013","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2026-02-19T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Shareholders approve QNB-Victory Bancorp merger; deal expected to close in Q2 2026","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["QNB Corp. shareholders voted 2,211,803 for, 60,631 against to approve merger with Victory Bancorp.","Merger of Victory into QNB, first announced Sept 23, 2025, anticipated to close in Q2 2026.","Pennsylvania Department of Banking and Securities has already approved the transaction.","Remaining customary closing conditions including other regulatory approvals still needed.","QNB will survive as the holding company for QNB Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114277,"accession_number":"0001193125-26-023830","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"QNB Corp. reports Q4 2025 net income of $3.98M, up from $3.05M, and announces merger with Victory Bancorp","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for Q4 2025 was $3,981,000 ($1.06 diluted) vs $3,051,000 ($0.83) in Q4 2024.","For twelve months ended Dec 31, 2025, net income was $14,090,000 ($3.78 diluted) vs $11,448,000 ($3.12) in 2024.","QNB Corp. and The Victory Bancorp, Inc. agreed to merge in an all-stock transaction, expected to close Q2 2026.","Adjusted diluted EPS excluding merger costs was $1.22 for Q4 2025 and $4.08 for twelve months.","Annualized ROE for Q4 2025 was 12.52% vs 11.62% in Q4 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":3.78,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130654,"accession_number":"0001193125-25-253230","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-10-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"QNB Corp Q3 net income $3.65M ($0.98 EPS); adjusted EPS $1.09; Victory merger progressing","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2025 net income $3.65M ($0.98 diluted EPS) vs $3.34M ($0.91) YoY; adjusted EPS $1.09 excluding merger costs.","Nine-month 2025 net income $10.11M ($2.72 diluted) vs $8.40M ($2.29) YoY; adjusted EPS $2.83.","Merger with Victory Bancorp announced Sep 23; all-stock deal; expected close Q4 2025 or Q1 2026; pro-forma ownership 76.4% QNB.","Merger-related costs of $519K in 2025; ROA 0.76% (0.85% adjusted) vs 0.74% YoY; ROE 12.49% (13.89% adjusted) vs 13.25%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147212,"accession_number":"0001193125-25-217315","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-09-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"QNB Corp appoints Randall E. Stauffer to board, effective Jan 1, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Randall E. Stauffer appointed as Class II Director to boards of QNB Bank and QNB Corp.","Term runs until the annual meeting of shareholders in May 2026.","Stauffer is Co-Owner, Assistant Secretary and Treasurer of Stauffer Manufacturing Co. in Red Hill, PA.","Has not yet been appointed to any board committees.","Appointment effective January 1, 2026; no other director or officer changes announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147211,"accession_number":"0001193125-25-217155","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-09-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"QNB Corp. discloses slide presentation with operating and growth strategies","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation distributed to analysts and prospective investors on September 25, 2025.","Presentation covers operating strategies, growth strategies, and financial performance.","No specific financial results or guidance changes disclosed in the 8-K filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147210,"accession_number":"0001193125-25-213318","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-09-23T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"QNB Corp. to acquire The Victory Bancorp in all-stock merger","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Each Victory share converts to 0.5500 shares of QNB common stock; no cash component.","Merger expected to close in Q4 2025 or Q1 2026, subject to shareholder and regulatory approvals.","Victory CEO Joseph W. Major to join QNB board as Vice Chair; termination fee $1.575M under certain conditions.","Victory Bank will merge into QNB Bank after effective time of the holding company merger."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147209,"accession_number":"0000950170-25-097496","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-07-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"QNB Corp. Q2 net income $3.9M ($1.04 EPS) vs $2.5M prior; NPLs spike to $8.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3,883,000 ($1.04 diluted EPS) vs $2,465,000 ($0.67) in Q2 2024; ROAA 0.83%.","Net interest margin improved to 2.69% from 2.46%; net interest income $12,652,000.","Non-performing loans surged to $8,947,000 (0.73% of loans) from $1,975,000 (0.16%) due to one commercial customer.","Provision for credit losses on loans reversed $145,000 vs $132,000 provision in Q2 2024.","Total deposits $1.65B (+1.4%); loans $1.22B (+0.2%); subordinated debt issuance in 2024 impacted parent results."],"consensus_eps_estimate":null,"consensus_eps_actual":1.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165824,"accession_number":"0000950170-25-082026","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-06-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"QNB Corp. furnishes investor slide presentation with strategic and financial update","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Slide presentation made available to analysts and investors on June 3, 2025.","Presentation covers operating and growth strategies and financial performance.","No specific financial figures or forward-looking guidance disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165823,"accession_number":"0000950170-25-075718","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"QNB Corp. shareholders elect directors, approve executive compensation and 2025 equity plan at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All three Class I directors (Bayles, Freeman, Ray-Chaudhuri) elected with ~1.8M votes each.","Advisory vote on named executive officer compensation passed (1,821,422 for, 62,497 against).","Say-on-pay frequency set at 3 years (1,611,163 votes for 3 years).","Ratification of Baker Tilly US, LLP as auditor for 2025 approved (2,312,428 for).","2025 Equity Incentive Plan approved (1,739,149 for, 136,040 against)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.15,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165822,"accession_number":"0000950170-25-056552","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Q1 net income nearly flat at $2.58M ($0.69 EPS); NPLs surge to $8.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.578M ($0.69 diluted EPS) vs $2.594M ($0.71) in Q1 2024; ROAA 0.54%, ROAE 6.24%.","Net interest income rose $2.629M to $22.198M; net interest margin expanded 12bp to 2.51%.","Non-performing loans jumped to $8.4M (0.69% of loans) from $1.98M (0.16%) at Dec 2024, tied to one commercial customer.","Provision for credit losses on loans was $551K vs a $93K reversal in Q1 2024; allowance now 0.77% of loans.","Core non-interest income (ex securities gains) up 6.4%; non-interest expenses rose $483K on occupancy, fraud, and director fees."],"consensus_eps_estimate":null,"consensus_eps_actual":0.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183382,"accession_number":"0000950170-25-042352","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-03-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"QNB Corp. upgrades to OTCQX Best Market from Pink on March 20, 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Upgraded to OTCQX Best Market from Pink on March 20, 2025; trades under symbol QNBC.","CEO David Freeman: move will 'generate broad investor interest and enhance value for all shareholders.'","To qualify, QNB met high financial standards, best-practice corporate governance, and securities law compliance.","QNB Corp. is holding company for QNB Bank, operating 12 branches in Pennsylvania; approaching 150-year anniversary."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183381,"accession_number":"0000950170-25-034424","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-03-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"QNB Corp furnishes slide presentation; content not extractable","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation made available to analysts and prospective investors on March 6, 2025.","Presentation covers operating and growth strategies and financial performance.","Exhibit 99.1 provided but content is unreadable binary data in this filing.","No specific financial figures, guidance, or material updates are extractable.","Filing is Regulation FD disclosure; information furnished, not filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183380,"accession_number":"0000950170-25-007087","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2025-01-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"QNB Corp. reports Q4 2024 net income of $3.1M (EPS $0.83) versus $1.1M (EPS $0.31) in Q4 2023","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net interest income rose $783,000 to $10,975,000 for Q4 2024, driven by higher yields on earning assets (4.78% vs 4.44%).","Total assets grew 9.6% year-over-year to $1.87B, with loans up 11.2% to $1.22B and deposits up 9.4% to $1.63B.","Non-performing loans remained low at 0.16% of loans, and the allowance for credit losses was 0.72%.","Non-interest income increased to $1.645M from $0.283M, including a $1.498M gain on sale of Visa Class C shares.","President David Freeman cited strong loan growth and balance sheet management as drivers of the $1.9M earnings increase."],"consensus_eps_estimate":null,"consensus_eps_actual":3.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199966,"accession_number":"0000950170-24-116170","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2024-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"QNB Corp. Q3 net income rises 42% to $3.34M, EPS $0.91 from $0.65 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net income $3.34M ($0.91 diluted EPS), up from $2.34M ($0.65) in Q3 2023.","Net interest margin improved to 2.48% (vs 2.38% Q3 2023) as yield on earning assets rose 58 bps.","Total loans grew 7.1% to $1.17B, deposits up 9.2% to $1.63B from Dec 2023.","Issued $40M subordinated debt in Q3; non-performing loans remained low at 0.14% of loans."],"consensus_eps_estimate":null,"consensus_eps_actual":2.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215977,"accession_number":"0000950170-24-102586","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2024-09-03T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"QNB Corp. closes $40M subordinated note offering at 8.875%, oversubscribed 2x","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $40M in 8.875% Fixed-to-Floating Rate Subordinated Notes due 2034; qualifies as Tier 2 capital.","Offering oversubscribed ~2x; proceeds for general corporate purposes and strategic opportunities.","Interest fixed at 8.875% through Aug 2029, then resets quarterly to 3-month SOFR + 545 bps.","Notes redeemable at company's option on or after Sept 1, 2029, subject to regulatory approval.","No shareholder dilution; management cites cost-effective capital to support future growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215976,"accession_number":"0000950170-24-085535","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2024-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"QNB Corp. Q2 2024 net income $2.465M ($0.67 EPS) up 31% YoY; NIM expands to 2.46%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.67 vs $0.52 in Q2 2023; net income $2,465,000 vs $1,887,000.","Net interest margin improved to 2.46% from 2.27% a year ago on higher loan yields.","Loans receivable grew 6.3% to $1,162M; deposits rose 5.7% to $1,573M.","Non-performing loans stable at 0.18% of loans; provision for credit losses decreased to $132,000.","Bank subsidiary net income $2,741,000; holding company reported net loss of $276,000."],"consensus_eps_estimate":null,"consensus_eps_actual":1.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235455,"accession_number":"0000950170-24-062754","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["5.07","7.01"],"status":"ready","headline":"QNB Corp. elects three directors, ratifies auditor, appoints new chairman at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Gerald G. Gorski, Jennifer L. Mann, Scott R. Stevenson elected as Class III directors with ~1.85M votes each.","Baker Tilly US, LLP ratified as independent auditor for 2024; 2,339,014 for, 37,277 against, 25,832 abstain.","Chairman Dennis Helf and Director Thomas J. Bisko retired; Director Randy S. Bimes appointed as new Chairman.","Post-meeting committees established: Bimes chairs Executive; other assignments per provided chart."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235454,"accession_number":"0000950170-24-046745","cik":750558,"company_name":"QNB CORP.","ticker":"QNBC","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"QNB Corp Q1 2024 net income $2.59M, down 37% from Q1 2023; EPS $0.71 vs $1.15","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2,594,000 ($0.71 diluted EPS) vs $4,118,000 ($1.15) year ago; ROA 0.59% vs 0.96%.","Net interest income $10,168,000 (-$249K YoY); net interest margin 2.39% vs 2.55% on deposit cost rise.","Loans +2.7% to $1.123B; deposits +3.2% to $1.536B; short-term borrowings -41.5%.","Credit stable: NPLs 0.18% of loans; provision reversal $93K vs $1.783M reversal prior year.","Non-interest expense +$633K to $8,833K driven by salaries/benefits (+$411K) and FDIC insurance (+$170K)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.71,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":218204150.99999997,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}