---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-116170"
form_type: "8-K"
ticker: "QNBC"
cik: "0000750558"
company_name: "QNB CORP."
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T12:04:33.365790+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# QNB Corp. Q3 net income rises 42% to $3.34M, EPS $0.91 from $0.65 YoY

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-24-116170
- form_type: 8-K
- ticker: QNBC
- cik: 0000750558
- company_name: QNB CORP.
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750558/000095017024116170/0000950170-24-116170-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750558/000095017024116170/qnbc-20241022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-116170
- JSON: https://secwatch.observer/filing/0000950170-24-116170.json
- Plain text: https://secwatch.observer/filing/0000950170-24-116170.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.