{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-056552","form_type":"8-K","ticker":"QNBC","cik":"0000750558","company_name":"QNB CORP.","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.152501+00:00","generated_at":"2026-05-23T09:47:58.438722+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Q1 net income nearly flat at $2.58M ($0.69 EPS); NPLs surge to $8.4M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-056552","json":"https://secwatch.observer/filing/0000950170-25-056552.json","markdown":"https://secwatch.observer/filing/0000950170-25-056552.md","text":"https://secwatch.observer/filing/0000950170-25-056552.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/750558/000095017025056552/0000950170-25-056552-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/750558/000095017025056552/qnbc-20250422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:47:58.438722+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"}