---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-22-002335"
form_type: "8-K"
ticker: "QNBC"
cik: "0000750558"
company_name: "QNB CORP."
filed_at: "2022-01-25T23:59:59+00:00"
generated_at: "2026-06-27T16:03:00.318043+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# QNB Corp reports record full-year 2021 net income of $16.5M, diluted EPS $4.64

## Summary
- Q4 2021 net income $4.15M ($1.17 diluted EPS) flat YoY; full-year net income $16.5M ($4.64 EPS), up 36% from 2020.
- Net interest income full-year $42.1M (+$4.9M YoY); net interest margin 2.79% vs 2.92%.
- Total deposits $1.45B (+18.1% YoY); loans ex-PPP $912.5M (+7.5% YoY).
- No provision for loan losses in Q4; allowance 1.21% of loans; non-performing loans improved to 1.26% from 1.53%.
- Total assets $1.67B at Dec 31, 2021, up $233M from Dec 31, 2020.

## SEC filing metadata
- accession: 0001564590-22-002335
- form_type: 8-K
- ticker: QNBC
- cik: 0000750558
- company_name: QNB CORP.
- filed_at: 2022-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750558/000156459022002335/0001564590-22-002335-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750558/000156459022002335/qnbc-8k_20220125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-002335
- JSON: https://secwatch.observer/filing/0001564590-22-002335.json
- Plain text: https://secwatch.observer/filing/0001564590-22-002335.txt

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