---
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"
generated_at: "2026-05-27T22:40:46.555920+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# QNB Corp. reports Q4 2024 net income of $3.1M (EPS $0.83) versus $1.1M (EPS $0.31) in Q4 2023

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-007087
- JSON: https://secwatch.observer/filing/0000950170-25-007087.json
- Plain text: https://secwatch.observer/filing/0000950170-25-007087.txt

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