---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-21-038272"
form_type: "8-K"
ticker: "QNBC"
cik: "0000750558"
company_name: "QNB CORP."
filed_at: "2021-07-27T23:59:59+00:00"
generated_at: "2026-06-30T02:21:57.571110+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# QNB Corp. reports record H1 net income of $8.9M; Q2 diluted EPS $1.09 vs $1.11 YoY

## Summary
- Six-month net income $8.9M ($2.51 diluted EPS) vs $4.2M ($1.18) in H1 2020, a record performance.
- Q2 net income $3.87M ($1.09 diluted EPS) vs $3.93M ($1.11) in Q2 2020, down 1.7%.
- Total assets $1.58B, up 9.4% from Dec 2020; deposits grew 9.4% to $1.34B.
- Net interest margin 2.74% in Q2 2021 vs 2.95% in Q2 2020; loan loss provision $183K vs $250K.
- Non-performing loans improved to 1.36% of loans from 1.53% at Dec 31, 2020.

## SEC filing metadata
- accession: 0001564590-21-038272
- form_type: 8-K
- ticker: QNBC
- cik: 0000750558
- company_name: QNB CORP.
- filed_at: 2021-07-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750558/000156459021038272/0001564590-21-038272-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750558/000156459021038272/qnbc-8k_20210727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-21-038272
- JSON: https://secwatch.observer/filing/0001564590-21-038272.json
- Plain text: https://secwatch.observer/filing/0001564590-21-038272.txt

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