---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-23-000729"
form_type: "8-K"
ticker: "QNBC"
cik: "0000750558"
company_name: "QNB CORP."
filed_at: "2023-01-24T23:59:59+00:00"
generated_at: "2026-06-20T11:16:52.862733+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# QNB Corp. Q4 2022 net income $5.4M, EPS $1.52, up from $1.17 YoY; loan growth drives results

## Summary
- Q4 2022 diluted EPS $1.52 vs $1.17 in Q4 2021; net income $5.447M vs $4.149M.
- Full-year 2022 net income $15.921M, diluted EPS $4.47; 2021 net income $16.492M, EPS $4.64.
- Reversed $850K provision for loan losses; allowance for loan losses 1.01% of loans.
- Loans (ex-PPP) grew $124.5M to $1.037B; total assets $1.668B; deposits down $31.4M.
- Non-performing loans fell to $9.1M (0.88% of loans) from $11.7M (1.26%) at Dec 2021.

## SEC filing metadata
- accession: 0001564590-23-000729
- form_type: 8-K
- ticker: QNBC
- cik: 0000750558
- company_name: QNB CORP.
- filed_at: 2023-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750558/000156459023000729/0001564590-23-000729-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750558/000156459023000729/qnbc-8k_20230124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-23-000729
- JSON: https://secwatch.observer/filing/0001564590-23-000729.json
- Plain text: https://secwatch.observer/filing/0001564590-23-000729.txt

## Key facts
- Earnings Releases
  QNB CORP. reported twelve months ended December 31, 2022 results: net income $15,921,000, EPS $4.47 per share on a diluted basis.
  - Period: twelve months ended December 31, 2022
  - Net income: $15,921,000
  - EPS: $4.47 per share on a diluted basis
  - Result: reported results
  source text: For the twelve months ended December 31, 2022, QNB reported net income of $15,921,000, or $4.47 per share on a diluted basis.
  evidence_url: https://www.sec.gov/Archives/edgar/data/750558/000156459023000729/0001564590-23-000729-index.htm
- Earnings Releases
  QNB CORP. reported fourth quarter ended December 31, 2022 results: net income $5,447,000, EPS $1.52 per share on a diluted basis.
  - Period: fourth quarter ended December 31, 2022
  - Net income: $5,447,000
  - EPS: $1.52 per share on a diluted basis
  - Result: reported results
  source text: QNB Corp. announced its consolidated financial results for the fourth quarter ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/750558/000156459023000729/0001564590-23-000729-index.htm

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