---
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"
generated_at: "2026-05-16T07:44:28.571886+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# QNB Corp. reports Q4 2025 net income of $3.98M, up from $3.05M, and announces merger with Victory Bancorp

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-023830
- JSON: https://secwatch.observer/filing/0001193125-26-023830.json
- Plain text: https://secwatch.observer/filing/0001193125-26-023830.txt

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