---
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"
generated_at: "2026-05-23T09:47:58.438722+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Q1 net income nearly flat at $2.58M ($0.69 EPS); NPLs surge to $8.4M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-056552
- JSON: https://secwatch.observer/filing/0000950170-25-056552.json
- Plain text: https://secwatch.observer/filing/0000950170-25-056552.txt

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