{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-007087","form_type":"8-K","ticker":"QNBC","cik":"0000750558","company_name":"QNB CORP.","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.267014+00:00","generated_at":"2026-05-27T22:40:46.555920+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"QNB Corp. reports Q4 2024 net income of $3.1M (EPS $0.83) versus $1.1M (EPS $0.31) in Q4 2023","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-007087","json":"https://secwatch.observer/filing/0000950170-25-007087.json","markdown":"https://secwatch.observer/filing/0000950170-25-007087.md","text":"https://secwatch.observer/filing/0000950170-25-007087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/750558/000095017025007087/0000950170-25-007087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/750558/000095017025007087/qnbc-20250121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-27T22:40:46.555920+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}