QNBCNasdaqState Commercial BanksUS GAAP · USD

QNB Corp.

QNB Corp. is a Pennsylvania-based bank holding company that operates through QNB Bank, a community bank headquartered in Quakertown. The bank provides commercial and retail banking services, including deposits, commercial loans, residential mortgages, consumer loans, investment securities, and retail brokerage services across Bucks, Montgomery, and Lehigh counties.

Kysy yhtiöstä
Nettotulos14,1milj. USD
+23,1 %v/v
Vapaa kassavirta16,6milj. USD
+2,5 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

01milj. USD202020212022202320242025
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: QNB Corp.

Liiketoiminta

Osuus liikevaihdosta
Commercial Banking45 %

Business loans, loan participations, and related lending services for local companies.

Retail Banking35 %

Deposit accounts, consumer loans, mortgages, and branch-based banking services.

Treasury and Investment Income15 %

Income from the securities portfolio and balance-sheet liquidity management.

Wealth and Brokerage Services5 %

Securities, advisory, annuity, and related brokerage services through QNB Financial Services.

Asiakkaat

QNB serves residents, small businesses, and local commercial borrowers in its southeastern Pennsylvania market. Its customer base is centered on relationship banking, with demand coming from depositors seeking convenience and from borrowers needing local credit decisions and flexible lending solutions.

Small business borrowers

Local businesses that use commercial loans, lines, and participations for working capital and expansion.

Retail deposit customers

Households and individuals that place funds in checking, savings, money market, and time deposits.

Mortgage and consumer borrowers

Residents in the bank's market who borrow for homes, vehicles, and other personal needs.

Wealth and brokerage clients

Customers using QNB Financial Services for advisory, annuity, and investment products.

Strategia

QNB’s strategy is built around relationship banking in a defined local market, using deposits to fund commercial, mortgage, and consumer lending. The bank emphasizes fast local decision-making, customer service, and digital delivery tools to retain depositors and win small-business relationships.

Deepen local lending relationshipsLyhyt aikaväli

The bank's market is geographically concentrated, so relationship depth drives loan growth and retention.

Retain and attract depositsKeskipitkä aikaväli

Deposits are the core funding source for lending and liquidity management.

Manage balance-sheet liquidity and interest-rate exposureKeskipitkä aikaväli

The securities portfolio and loan mix affect funding flexibility and earnings sensitivity.

Build fee income outside spread lendingKeskipitkä aikaväli

Brokerage and advisory services diversify revenue beyond net interest income.

Maantiede

QNB is concentrated in southeastern Pennsylvania, with operations centered in Bucks, Montgomery, and Lehigh counties. Its branch network and lending activity are tied to a limited local market, so regional economic conditions and competition in those counties are important to growth and credit quality.

Riskit

QNB is exposed to the typical risks of a community bank: interest-rate sensitivity, borrower credit losses, and economic weakness in its local market. Because the business is concentrated in southeastern Pennsylvania and relies heavily on spread income, changes in rates, deposit competition, and regional credit conditions can materially affect results.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Interest-rate risk1Credit risk in local lending2Regional economic concentration3Competitive pressure4Securities impairment and fair value volatility5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Interest-rate riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Earnings depend on the spread between asset yields and deposit costs, which moves with market rates.

    KohdistuuLoan and deposit repricingFixed-income securitiesFunding costs
  2. Credit risk in local lendingVaikutus: KorkeaTodennäköisyys: Kohtalainen

    The loan book is concentrated in a limited geographic area and depends on borrower repayment capacity.

    KohdistuuCommercialMortgageConsumer loans
  3. Regional economic concentrationVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Weakness in Bucks, Lehigh, or Montgomery counties can affect both loan demand and credit quality.

    Kohdistuu: Primary market counties in southeastern Pennsylvania

  4. Competitive pressureVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Large banks, community banks, credit unions, and non-bank providers compete on price and service.

    KohdistuuDepositsLoansFee-based services
  5. Securities impairment and fair value volatilityVaikutus: KeskitasoTodennäköisyys: Matala

    The investment portfolio includes debt securities whose values can fall with credit or rate moves.

    KohdistuuU.S. governmentAgencyMunicipalCorporate securities
Kysy Clarifolta: QNB Corp.

Kirjanpito

Harkinnanvaraiset erät
Allowance for credit losses

Management estimates expected losses on loans and unfunded commitments, which can change with economic conditions.

Vaikutus: Provision expense and loan loss reserves

Securities impairment and fair value

The bank holds debt and equity securities that may require impairment or mark-to-market adjustments.

Vaikutus: Earnings and accumulated other comprehensive income

Other real estate owned valuation

Foreclosed or acquired properties must be carried at estimated realizable value.

Vaikutus: Noninterest expense and asset values

Deferred tax asset valuation

Realizability depends on future taxable income and tax planning strategies.

Vaikutus: Income tax expense and equity

Lease accounting

Branch and office leases create right-of-use assets and lease liabilities.

Vaikutus: Balance sheet presentation and occupancy expense

Samankaltaisia listattuja yhtiöitä

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

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Päivitetty: 24.9.2026

QNB Corp. (QNBC) liikevaihto, tulos ja tunnusluvut 2025 – Clarifo