QNB Corp. Q2 net income $3.9M ($1.04 EPS) vs $2.5M prior; NPLs spike to $8.9M

QNB CORP.

2025-Q2 EPS reported $1.74

Net income $3,883,000 ($1.04 diluted EPS) vs $2,465,000 ($0.67) in Q2 2024; ROAA 0.83%.
Net interest margin improved to 2.69% from 2.46%; net interest income $12,652,000.
Non-performing loans surged to $8,947,000 (0.73% of loans) from $1,975,000 (0.16%) due to one commercial customer.
Provision for credit losses on loans reversed $145,000 vs $132,000 provision in Q2 2024.
Total deposits $1.65B (+1.4%); loans $1.22B (+0.2%); subordinated debt issuance in 2024 impacted parent results.

item 2.02item 9.01

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