---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-253230"
form_type: "8-K"
ticker: "QNBC"
cik: "0000750558"
company_name: "QNB CORP."
filed_at: "2025-10-28T23:59:59+00:00"
generated_at: "2026-05-17T02:04:42.150238+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# QNB Corp Q3 net income $3.65M ($0.98 EPS); adjusted EPS $1.09; Victory merger progressing

## Summary
- Q3 2025 net income $3.65M ($0.98 diluted EPS) vs $3.34M ($0.91) YoY; adjusted EPS $1.09 excluding merger costs.
- Nine-month 2025 net income $10.11M ($2.72 diluted) vs $8.40M ($2.29) YoY; adjusted EPS $2.83.
- Merger with Victory Bancorp announced Sep 23; all-stock deal; expected close Q4 2025 or Q1 2026; pro-forma ownership 76.4% QNB.
- Merger-related costs of $519K in 2025; ROA 0.76% (0.85% adjusted) vs 0.74% YoY; ROE 12.49% (13.89% adjusted) vs 13.25%.

## SEC filing metadata
- accession: 0001193125-25-253230
- form_type: 8-K
- ticker: QNBC
- cik: 0000750558
- company_name: QNB CORP.
- filed_at: 2025-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/750558/000119312525253230/0001193125-25-253230-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750558/000119312525253230/qnbc-20251028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-253230
- JSON: https://secwatch.observer/filing/0001193125-25-253230.json
- Plain text: https://secwatch.observer/filing/0001193125-25-253230.txt

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