{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-097496","form_type":"8-K","ticker":"QNBC","cik":"0000750558","company_name":"QNB CORP.","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.281694+00:00","generated_at":"2026-05-18T04:45:42.405743+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"QNB Corp. Q2 net income $3.9M ($1.04 EPS) vs $2.5M prior; NPLs spike to $8.9M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-097496","json":"https://secwatch.observer/filing/0000950170-25-097496.json","markdown":"https://secwatch.observer/filing/0000950170-25-097496.md","text":"https://secwatch.observer/filing/0000950170-25-097496.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/750558/000095017025097496/0000950170-25-097496-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/750558/000095017025097496/qnbc-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:45:42.405743+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"}