secwatch.observer — SEC 8-K summary
======================================

Issuer:     QNB CORP. (QNBC)
CIK:        0000750558
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0001193125-26-023830
Event type: earnings
Sentiment:  positive
Materiality: 0.90
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/750558/000119312526023830/0001193125-26-023830-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/750558/000119312526023830/qnbc-20260127.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-023830

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