---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-22-035090"
form_type: "8-K"
ticker: "QNBC"
cik: "0000750558"
company_name: "QNB CORP."
filed_at: "2022-10-25T23:59:59+00:00"
generated_at: "2026-06-23T01:28:57.920627+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# QNB Corp. reports Q3 net income flat at $0.96/share; bank net interest income rises

## Summary
- Net income $3.415M ($0.96 diluted EPS) vs $3.424M ($0.96) in Q3 2021.
- QNB Bank net income rose $518K to $4.247M; holding company had $832K loss from equity fair value adjustments.
- Net interest income up $795K to $11.379M; net interest margin 2.72% unchanged.
- Loans (ex-PPP) grew $93.4M to $1.006B; non-performing loans improved to 1.06% from 1.26% at Dec 2021.
- Total deposits increased $26.9M to $1.477B; no provision for loan losses recognized.

## SEC filing metadata
- accession: 0001564590-22-035090
- form_type: 8-K
- ticker: QNBC
- cik: 0000750558
- company_name: QNB CORP.
- filed_at: 2022-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/750558/000156459022035090/0001564590-22-035090-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750558/000156459022035090/qnbc-8k_20221025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-035090
- JSON: https://secwatch.observer/filing/0001564590-22-035090.json
- Plain text: https://secwatch.observer/filing/0001564590-22-035090.txt

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