{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-023830","form_type":"8-K","ticker":"QNBC","cik":"0000750558","company_name":"QNB CORP.","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.639709+00:00","generated_at":"2026-05-16T07:44:28.571886+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"QNB Corp. reports Q4 2025 net income of $3.98M, up from $3.05M, and announces merger with Victory Bancorp","bullets":["Net income for Q4 2025 was $3,981,000 ($1.06 diluted) vs $3,051,000 ($0.83) in Q4 2024.","For twelve months ended Dec 31, 2025, net income was $14,090,000 ($3.78 diluted) vs $11,448,000 ($3.12) in 2024.","QNB Corp. and The Victory Bancorp, Inc. agreed to merge in an all-stock transaction, expected to close Q2 2026.","Adjusted diluted EPS excluding merger costs was $1.22 for Q4 2025 and $4.08 for twelve months.","Annualized ROE for Q4 2025 was 12.52% vs 11.62% in Q4 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-023830","json":"https://secwatch.observer/filing/0001193125-26-023830.json","markdown":"https://secwatch.observer/filing/0001193125-26-023830.md","text":"https://secwatch.observer/filing/0001193125-26-023830.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/750558/000119312526023830/0001193125-26-023830-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/750558/000119312526023830/qnbc-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-16T07:44:28.571886+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"}