secwatch.observer — SEC 8-K summary
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Issuer:     QNB CORP. (QNBC)
CIK:        0000750558
Form:       8-K
Filed at:   2025-10-28T23:59:59+00:00
Accession:  0001193125-25-253230
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/750558/000119312525253230/0001193125-25-253230-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/750558/000119312525253230/qnbc-20251028.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-253230

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer