QNBC on Nasdaq

QNB CORP.

QNB CORP. is an American state commercial bank that raised $40 million in 2024 (SEC Form D).1 It is headquartered in Quakertown, Pennsylvania.1 Its shares trade on Nasdaq under the symbol QNBC.1

Price unavailable

Last updated Oct 20, 2026.

Overview

Compare with another stock.

  • TickerQNBC on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersQuakertown, Pennsylvania1
  • Incorporated inPA2
  • Business address15 North Third Street, Quakertown, Pa 18951-90052
  • Filer categoryNon-accelerated filer, Smaller reporting company2
  • Legal formCorporation

See how the biggest companies compare on our leaderboards

In addition to historical information, this document contains forward-looking statements. Forward-looking statements are typically identified by words or phrases such as “believe,” “expect,” “anticipate,” “intend,” “estimate,” “project” and variations of such words and similar expressions, or future or conditional verbs such as “will,” “would,” “should,” “could,” “may” or similar expressions. The U.S. Private Securities Litigation Reform Act of 1995 provides a safe harbor in regard to the inclusion of forward-looking statements in this document and documents incorporated by reference.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income56789$14.1M in 2025+14% since 2019
0$5.0M$10.0M$15.0M$20.0M2019: $12.4M$12.4M20192020: $12.1M$12.1M2020−2%2021: $16.5M$16.5M2021+36%2022: $15.9M$15.9M2022−3%2023: $9.5M$9.5M2023−40%2024: $11.4M$11.4M2024+21%2025: $14.1M$14.1M2025+23%

Every line of the income statement as filed: the last 3 fiscal years (annual) or 8 quarters (quarterly), latest first.9

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$73.1M$65.4M$53.9M
Taxable$15.5M$14.1M$11.8M
Tax-exempt$1.4M$1.4M$1.5M
Interest on interest-bearing balances and other interest income$2.7M$3.2M$1.9M
Total interest income$92.6M$84.1M$69.1M
Interest-bearing demand$9.7M$10.0M$7.8M
Money market$7.3M$8.2M$4.8M
Savings$3.6M$3.7M$4.2M
Time less than $100$6.3M$6.8M$3.2M
Time $100 through $250$6.1M$6.6M$3.9M
Time greater than $250$2.2M$2.2M$1.2M
Interest on short-term borrowings$2.1M$1.1M$3.3M
Interest on long-term debt$423.0K$1.3M$653.0K
Interest on subordinated debt$3.8M$1.3M
Total interest expense$41.4M$41.2M$28.9M
Net interest income$51.2M$42.9M$40.2M
Provision (reversal of provision) for credit losses$449.0K-$68.0K-$844.0K
Net interest income after provision for credit losses$50.8M$42.9M$41.0M
Net unrealized (loss) gain on investment equity securities$0-$215.0K$250.0K
Net gain (loss) on sale of investment securities$0$919.0K-$2.1M
Net gain (loss) on investment securities$704.0K-$1.8M
Fees for services to customers$2.0M$1.8M$1.7M
ATM and debit card$3.0M$2.7M$2.7M
Retail brokerage and advisory$648.0K$476.0K$862.0K
Bank-owned life insurance$338.0K$332.0K$320.0K
Merchant$321.0K$348.0K$394.0K
Net gain on sale of loans$63.0K$29.0K$16.0K
Other$610.0K$514.0K$686.0K
Total non-interest income$7.0M$6.9M$4.8M
Salaries and employee benefits$21.3M$19.7M$19.0M
Net occupancy$2.3M$2.2M$2.2M
Furniture and equipment$4.4M$4.0M$3.6M
Marketing$1.0M$1.0M$964.0K
Third party services$3.1M$2.6M$2.4M
Telephone, postage and supplies$511.0K$505.0K$571.0K
State taxes$947.0K$577.0K$367.0K
FDIC insurance premiums$1.0M$1.2M$1.1M
Merger-Related$1.1M
Other$4.1M$3.7M$3.9M
Total non-interest expense$39.8M$35.5M$34.1M
Income before income taxes$17.9M$14.4M$11.7M
Provision for income taxes$3.8M$2.9M$2.2M
Net income$14.1M$11.4M$9.5M
Earnings per share - basic$3.79$3.12$2.63
Earnings per share - diluted$3.78$3.12$2.63
Cash dividends per share$1.52$1.48$1.48

Compare QNB CORP. with another company

Corporate structure

QNB CORP. sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of QNB CORP.

  • Fourthstone LLC Filed SCHEDULE 13G/A on QNB CORP., latest Aug 14, 2025 (3 filings since Feb 14, 2024)
  • Mark T. Lynch Filed SCHEDULE 13G/A on QNB CORP., latest Feb 8, 2024 (3 filings since Jan 10, 2022)
  • MALTESE CAPITAL MANAGEMENT LLC Filed SC 13G/A on QNB CORP., latest Feb 14, 2022
  • QNB CORP. Quakertown, Pennsylvania
    • 1) QNB Bank – chartered in the Commonwealth of Subsidiary · Pennsylvania, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What QNB CORP. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$40.2M9 Dec 31, 2025$40.0M9 Dec 31, 2024+0.6%
Accumulated depreciation$23.4M9 Dec 31, 2025$22.8M9 Dec 31, 2024+2.6%
Property and equipment, net$16.9M9 Dec 31, 2025$17.3M9 Dec 31, 2024−2.1%
Operating-lease assets (leased space)$457.0K8 Dec 31, 2024$369.0K7 Dec 31, 2023+23.8%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$50.3M9 Dec 31, 2025$50.7M9 Dec 31, 2024−0.8%
Debt securities available for sale$542.8M9 Dec 31, 2025$546.6M9 Dec 31, 2024−0.7%
Equity securities at fair value$09 Dec 31, 2025$09 Dec 31, 2024
Deposits held (banks)$1.6B9 Dec 31, 2025$1.6B9 Dec 31, 2024+0.9%

Properties, in its own words

The principal office of both QNB Bank and QNB Corp. is located at 15 North Third Street, Quakertown, Pennsylvania. QNB Bank conducts business from its principal office and eleven other branch offices located in Bucks, Lehigh, and Montgomery Counties in Pennsylvania. QNB Bank owns its principal office, four branch locations, its administrative and operations facility and a computer facility. QNB Bank leases its remaining seven branch properties. The leases on the properties generally contain renewal options. In management’s opinion, these properties are in good condition and are currently adequate for QNB’s purposes.

The following table details QNB Bank’s properties:

The rest of Item 2

Location

 · Quakertown, PA – Downtown Branch (Principal Office) - 15 North Third Street · Owned

 · Quakertown, PA – Towne Bank Center - 320-322 West Broad Street · Owned

 · Quakertown, PA – Computer Center - 121 West Broad Street · Owned

 · Quakertown, PA – Country Square Branch - 240 South West End Boulevard · Owned

 · Quakertown, PA – Quakertown Commons Branch - 901 South West End Boulevard · Leased

 · Dublin, PA – Dublin Branch - 161 North Main Street · Leased

 · Pennsburg, PA – Upper Perkiomen Valley Branch - 410 Pottstown Avenue · Leased

 · Coopersburg, PA – Coopersburg Branch - 51 South Third Street · Owned

 · Perkasie, PA – Perkasie Branch - 607 Chestnut Street · Owned

 · Souderton, PA – Souderton Branch - 750 Route 113 · Leased

 · Wescosville, PA – Wescosville Branch - 950 Mill Creek Road · Leased

 · Colmar, PA – Colmar Branch - 127 Bethlehem Pike · Owned

 · Warminster, PA – Warminster Branch - 1402 West Street Road · Leased

 · Allentown, PA – Allentown Branch - 535 N. 19th Street · Leased

Item 2 of the 10-K filed Mar 16, 2026.4

Leadership

Who has led QNB CORP., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Thomas J. Bisko2006–2013

President

  1. Thomas J. Bisko2006–2010

Chief financial officer

  1. Bret H. Krevolin2006–2014
  2. Janice S. McCracken2014–2022
  3. Jeffrey Lehocky2022–now

Chief operating officer

  1. Christopher T. Cattie2025–now
  2. Jeffrey Lehocky2025
2010201520202025
Board members and other officers (33)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive Officer, DirectorDavid W. Freeman named Sep 10, 202451
  • Executive OfficerScott G. Orzehoski named Sep 10, 202451

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • 1) QNB Bank – chartered in the Commonwealth of Pennsylvania3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • QNB CORPMar 28, 1996 to Apr 1, 20252

Timeline

  1. Sep 8, 20268-K Other events52
  2. Aug 20, 20268-K Entered a material agreement; Other events53
  3. Aug 7, 20268-K Other events54
  4. Jul 28, 20268-K Results of operations55
  5. Jun 10, 20268-K Shareholder vote56
  6. Jun 8, 20268-K Financial statements and exhibits57
  7. Jun 2, 20268-K Regulation FD disclosure58
  8. May 13, 20268-K Executive or director change59
  9. Apr 28, 20268-K Results of operations60
  10. Apr 7, 20268-K Completed an acquisition or sale; Executive or director change; Bylaws or fiscal year changed61
  11. Mar 26, 20268-K Regulation FD disclosure62
  12. Feb 25, 20268-K Other events63
  13. Jan 18, 2006New chief executive Thomas J. Bisko becomes CEO13

Calendar

Coming up

  1. Oct 27, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $1.09 a share, on Oct 28, 2025.64

When it reported results

  1. Jul 28, 2026Reported quarterly or annual results55
  2. Apr 28, 2026Reported quarterly or annual results60
  3. Jan 27, 2026Reported quarterly or annual results65
  4. Oct 28, 2025Reported quarterly or annual results66
  5. Jul 22, 2025Reported quarterly or annual results67
  6. Apr 22, 2025Reported quarterly or annual results68
  7. Jan 21, 2025Reported quarterly or annual results69
  8. Oct 22, 2024Reported quarterly or annual results70

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

267 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 50 major events, 167 insider forms, 7 large holders, 1 private raises, 22 other. The latest 20:

  1. Sep 29, 20264 PRIMARY DOCUMENT EDGAR
  2. Sep 8, 20268-K EDGAR
  3. Aug 20, 2026CERT EDGAR
  4. Aug 20, 20268-K EDGAR
  5. Aug 20, 2026424B5 EDGAR
  6. Aug 20, 20268-A12B EDGAR
  7. Aug 19, 2026FWP EDGAR
  8. Aug 19, 2026424B5 EDGAR
  9. Aug 14, 2026EFFECT EDGAR
  10. Aug 10, 202610-Q EDGAR
  11. Aug 7, 2026S-3 EDGAR
  12. Aug 7, 20268-K EDGAR
  13. Jul 28, 20268-K EDGAR
  14. Jul 13, 20264/A PRIMARY DOCUMENT EDGAR
  15. Jul 13, 20264/A PRIMARY DOCUMENT EDGAR
  16. Jul 1, 20264 PRIMARY DOCUMENT EDGAR
  17. Jun 12, 2026S-8 EDGAR
  18. Jun 10, 20268-K EDGAR
  19. Jun 8, 20268-K/A EDGAR
  20. Jun 2, 20268-K EDGAR

The 267 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

219 open-market trades by officers, directors and large owners since October 2021: 218 buys and 1 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 25, 2026Bimes Randy S.DirectorBuy221$45.30$10.0KForm 4
Jul 1, 2026Major Joseph WDirectorBuy219$43.85$9.6KForm 4
Jul 1, 2026BAYLES AUTUMN RDirectorBuy219$43.85$9.6KForm 4
Mar 27, 2026Bimes Randy S.DirectorBuy263$38.03$10.0KForm 4
Jan 30, 2026Orzehoski Scott GEVP Chief Lending OfficerSale300$38.28$11.5KForm 4
Jan 2, 2026Gorski Gerald EDirectorBuy274$34.97$9.6KForm 4
Jan 2, 2026Ray-Chaudhuri RanajoyDirectorBuy274$34.97$9.6KForm 4
Jan 2, 2026Bimes Randy S.DirectorBuy274$34.97$9.6KForm 4
Jan 2, 2026Bergman LaurieDirectorBuy274$34.97$9.6KForm 4
Jan 2, 2026Mann Jennifer LDirectorBuy274$34.97$9.6KForm 4
Jan 2, 2026Stevenson Scott RDirectorBuy274$34.97$9.6KForm 4
Jan 2, 2026Stauffer W RandallDirectorBuy274$34.97$9.6KForm 4
Jan 2, 2026BAYLES AUTUMN RDirectorBuy274$34.97$9.6KForm 4
Jan 2, 2026BROWN KENNETH F JRDirectorBuy274$34.97$9.6KForm 4
Dec 26, 2025Covelens Courtney LeeEVP, Chief Retail OfficerBuy35$34.91$1.2KForm 4
Dec 26, 2025Lehocky JeffreyEVP, Chief Financial OfficerBuy10$34.91$339Form 4
Dec 26, 2025Bimes Randy S.DirectorBuy286$34.91$10.0KForm 4
Dec 26, 2025Cattie Christopher TEVP Chief Operating OfficerBuy39$34.91$1.4KForm 4
Dec 26, 2025Freeman David W.President/Chief Exec OfficerBuy321$34.91$11.2KForm 4
Nov 28, 2025Covelens Courtney LeeEVP, Chief Retail OfficerBuy197$29.81$5.9KForm 4

All 219 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025David W. Freeman$675.0K$925.1K74
2025Jeffrey Lehocky$375.0K$544.0K74
2025Christopher T. Cattie$325.0K$487.8K74
2025Scott G. Orzehoski$330.0K$486.6K74
2025Christina S. McDonald$250.0K$381.7K74
2025Courtney L. Covelens$235.0K$361.2K74
2024Principal Executive$610.3K$764.7K74
2024Principal Financial$339.7K$437.7K74
2024Executive Vice$318.8K$410.1K74
2023Officer$584.0K$691.9K74
2023President$305.0K$377.8K74

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Aug 30, 2024Raised $40 million in a private offering of debt Form D: 38 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Huntington National Bank1$440.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How QNB CORP. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARQNB CORP.1
  • CIK0000750558
  • Employer ID (EIN)23-23180824
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inPennsylvania4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address15 North Third Street, Quakertown, PA 18951-90051
  • Mailing addressP.O. Box 9005, Quakertown, PA 189511
  • Phone21553856001
  • Shares outstanding4,979,570 as of Jul 31, 202611
  • Public float$106.1M as of Jun 30, 20254
  • AuditorBaker Tilly US, LLP, Allentown, Pennsylvania PCAOB ID 23; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceMar 28, 19961
  • Filings920 in all: 4 (423), 8-K (168), 10-Q (92), 5 (71), 10-K (31), DEF 14A (31), 3 (21), 4/A (15)1
    All 34 form types

    S-8 (13), SC 13G/A (11), SC 13G (7), 8-K/A (4), 10-Q/A (3), 10-K/A (2), 424B5 (2), 5/A (2), ARS (2), CORRESP (2), EFFECT (2), S-3 (2), SCHEDULE 13G/A (2), UPLOAD (2), 424B3 (1), 425 (1), 8-A12B (1), CERT (1), D (1), DEFA14A (1), FWP (1), NT 10-K (1), PRE 14A (1), S-3D (1), S-4 (1), S-4/A (1)

  • Latest filingsAnnual report (10-K) Mar 16, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Proxy statement (DEF 14A) Apr 30, 2026
    Latest 8-K (8-K) Sep 8, 2026

Securities registered for trading

ClassSymbolExchange
QNBCNONE

From the cover page of the 10-K filed Mar 16, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks QNB CORP. names in Item 1A of its 10-K filed Mar 16, 2026: 17 risks under these headings, as written.4

  • Our net interest income, net income and results of operations are sensitive to fluctuations in interest rates.
  • We are subject to credit risk in connection with our lending activities, and our financial condition and results of operations may be negatively affected by economic conditions and other factors that could adversely affect our customers.
  • A deterioration in regional or national economic conditions may adversely affect our financial condition and results of operations.
  • We face significant competition from other banks and financial institutions in our market area, many of which are larger in terms of asset size and market capitalization.
  • Our results of operations may be adversely affected by impairment charges relating to our debt securities.
  • Our results of operations may be adversely affected by fair value declines in our investments in equity securities.
  • Our assets at December 31, 2025 included a deferred tax asset and we may not be able to realize the full benefit of that asset.
  • A disruption in components of our business infrastructure resulting from financial or technological difficulties of our third- party vendors on which we rely could adversely affect our business.
  • Our failure to properly or timely utilize effective technologies to deliver our products and services, or a systems failure or breach of network security with respect to our information systems could adversely affect our business.
  • Changes in accounting standards applicable to us could materially impact how we report our financial condition and results of operations.
  • We operate in a highly regulated environment and are subject to examination and supervision by bank regulatory agencies, which could have an adverse impact on our operations or increase the cost of our operations.
  • High concentrations of commercial real estate loans ("CRE loans") could subject the Bank to increased regulatory scrutiny and directives, which could force us to preserve or raise capital and/or limit future commercial lending activities.
The other 5 risks
  • If we lose the availability of wholesale funding we may be unable to support interest-earning asset growth, which could adversely impact our operating results and liquidity.
  • Our disclosure controls and procedures and our internal control over financial reporting may not achieve their intended objectives.
  • We may not be able to attract and retain highly qualified personnel to execute our business strategy.
  • Acts of terrorism and other external events, including natural disasters, national or global health emergencies, and events of armed conflict in other countries, could impact our ability to do business or otherwise adversely affect our business, operations or financial condition.
  • We may be unsuccessful in integrating the operations of the businesses we acquire or expect to acquire in the future, including our pending acquisition of Victory and Victory Bank.

Legal proceedings

Although there are currently no material legal proceedings to which QNB is the subject, future litigation that arises during the normal course of QNB’s business could be material and have a negative impact on QNB’s earnings. Future litigation also could adversely impact the reputation of QNB in the communities that it serves.

The opening of Item 3, Legal Proceedings.4

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37
  38. 38
  39. 39
  40. 40
  41. 41
  42. 42
  43. 43
  44. 44
  45. 45
  46. 46
  47. 47
  48. 48
  49. 49
  50. 50
  51. 51
  52. 52
    SEC EDGAROther events
  53. 53
  54. 54
    SEC EDGAROther events
  55. 55
  56. 56
  57. 57
  58. 58
  59. 59
  60. 60
  61. 61
  62. 62
  63. 63
    SEC EDGAROther events
  64. 64
  65. 65
  66. 66
  67. 67
  68. 68
  69. 69
  70. 70
  71. 71
  72. 72
  73. 73
  74. 74