{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-22-015722","form_type":"8-K","ticker":"QNBC","cik":"0000750558","company_name":"QNB CORP.","filed_at":"2022-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.570035+00:00","generated_at":"2026-06-26T04:51:16.318120+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"QNB Corp. Q1 2022 net income falls 27% to $3.71M; EPS $1.04 vs $1.42 YoY","bullets":["Net income $3.71M, down from $5.05M in Q1 2021; diluted EPS $1.04 vs $1.42.","Net interest margin compressed to 2.71% from 3.07%, as lower-yielding securities increased to 42.7% of earning assets.","Non-interest income dropped $1.79M to $1.61M, driven by $1.1M unrealized securities loss and $352K lower loan-sale gains.","No provision for loan losses; non-performing loans stable at 1.26% of loans; allowance for loan losses at 1.21%.","Total deposits up $2M to $1.45B; loans ex-PPP grew $7.9M; total assets $1.65B."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-22-015722","json":"https://secwatch.observer/filing/0001564590-22-015722.json","markdown":"https://secwatch.observer/filing/0001564590-22-015722.md","text":"https://secwatch.observer/filing/0001564590-22-015722.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/750558/000156459022015722/0001564590-22-015722-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/750558/000156459022015722/qnbc-8k_20220426.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:51:16.318120+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"}