---
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"
generated_at: "2026-05-18T04:45:42.405743+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-097496
- JSON: https://secwatch.observer/filing/0000950170-25-097496.json
- Plain text: https://secwatch.observer/filing/0000950170-25-097496.txt

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