---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-22-026400"
form_type: "8-K"
ticker: "QNBC"
cik: "0000750558"
company_name: "QNB CORP."
filed_at: "2022-07-26T23:59:59+00:00"
generated_at: "2026-06-24T08:57:33.059569+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# QNB Corp. Q2 earnings fall to $0.94/share; holdco equity portfolio drags results

## Summary
- Diluted EPS $0.94 vs $1.09 in Q2 2021; net income $3.35M down 13.4%.
- QNB Bank net income rose 24% to $4.08M; holdco loss of $733M from equity fair value.
- Net interest income grew 8.7% to $11.1M; net interest margin slightly narrowed to 2.73%.
- Non-performing loans improved to 1.18% of loans; no provision for loan losses in Q2.
- Deposits up $18M to $1.468B; loans ex-PPP grew $47M to $960M.

## SEC filing metadata
- accession: 0001564590-22-026400
- form_type: 8-K
- ticker: QNBC
- cik: 0000750558
- company_name: QNB CORP.
- filed_at: 2022-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/750558/000156459022026400/0001564590-22-026400-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750558/000156459022026400/qnbc-8k_20220726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-026400
- JSON: https://secwatch.observer/filing/0001564590-22-026400.json
- Plain text: https://secwatch.observer/filing/0001564590-22-026400.txt

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