{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-21-051941","form_type":"8-K","ticker":"QNBC","cik":"0000750558","company_name":"QNB CORP.","filed_at":"2021-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.504915+00:00","generated_at":"2026-06-28T18:14:01.843645+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"QNB Corp Q3 EPS $0.96 vs $1.07 YoY; nine-month net income rises to record $12.34M","bullets":["Q3 2021 net income $3.42M ($0.96 diluted EPS) vs $3.78M ($1.07) in Q3 2020.","Nine-month net income $12.34M ($3.47 EPS), a record, up from $7.93M ($2.25) prior year.","Net interest income $10.58M (+$1.25M YoY); net interest margin 2.72% vs 2.78%.","No provision for loan losses in Q3 compared to $250K in Q3 2020; NPL ratio 1.31%.","Total assets $1.66B; deposits up 16.6% to $1.43B; loans ex-PPP grew 5.4%."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-21-051941","json":"https://secwatch.observer/filing/0001564590-21-051941.json","markdown":"https://secwatch.observer/filing/0001564590-21-051941.md","text":"https://secwatch.observer/filing/0001564590-21-051941.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/750558/000156459021051941/0001564590-21-051941-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/750558/000156459021051941/qnbc-8k_20211026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T18:14:01.843645+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"}