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QNB Bank

Quakertown, PA · Cert 7714 · QNB Corp.

State charter, non-member · FDIC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

17

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

QNB Bank

Quakertown, PA · Cert 7714 · QNB Corp.

State charter, non-member · FDIC · 15 branches

Q2 2026

$2.4BAssets
$1.7BLoans
$2.1BDeposits
$209.8MEquity
Loan mix
88%RE $1.1B11%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $1.8B13%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.44%Q2 ’244.66%Q2 ’254.36%Q2 ’26+16%+4%

Non-interest income vs. expense

1.97%Q2 ’241.93%Q2 ’252.19%Q2 ’26-2%+19%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.3% share · #22 of 88 inst. · $1.8B of $685.1B

4.1% Bucks
1.8% Montgomery
3.0% Lehigh

Executive Summary

  • Earnings: ROA of 0.81%, down 4 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.61% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.84%, up 14 bps from a year ago.
  • Funding: loans stand at 82.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+11 bps YoY

Efficiency Ratio (YTD, annualized)

70.59%+646 bps YoY

Tier 1 Leverage Ratio

9.84%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.91%0.97%0.79%0.81%-4 bps
Return on Equity12.76%13.33%13.83%10.33%9.98%-277 bps
Net Interest Margin2.66%2.71%2.81%2.87%2.78%+11 bps
Efficiency Ratio64.14%62.89%62.04%68.30%70.59%+646 bps
Non-Interest Burden1.58%1.57%1.60%1.84%1.88%+30 bps
Growth
Asset Growth (YoY)6.65%3.16%1.93%1.38%27.43%+2,078 bps
Loan Growth (YoY)4.87%6.39%3.75%5.90%40.77%+3,590 bps
Deposit Growth (YoY)5.10%3.44%0.89%-0.59%25.22%+2,012 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.72%0.70%0.75%0.61%-13 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.75%0.74%0.73%0.74%0.74%-1 bps
Allowance Coverage of NPLs1.0x1.0x1.0x1.0x1.2x+0.2x
Capital
Tier 1 Leverage Ratio9.70%9.75%9.94%9.98%9.84%+14 bps
Total Risk-Based Capital14.09%13.97%14.15%13.91%13.13%-96 bps
Equity / Assets6.95%7.31%7.71%7.68%8.83%+188 bps
Liquidity & Funding
Loans / Deposits73.79%74.10%76.77%77.58%82.95%+916 bps
Liquid Assets / Assets2.47%2.71%1.95%1.89%2.02%-45 bps
CRE / Total Capitaln/a408%400%406%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

QNB Bank

Quakertown, PA · Cert 7714 · Peer group: banks $1B-$10B in assets (n=322-328) · QNB Corp.

State charter, non-member · FDIC · 15 branches

Q2 2026

$2.4BAssets
$1.7BLoans
$2.1BDeposits
$209.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 87% of banks $1B-$10B in assets (rank 46 of 322).
  • Widest gap: net interest margin trails 87% of banks $1B-$10B in assets (rank 284 of 328).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.70%

Rank 282 of 328

Net Interest Margin

2.78%

Rank 284 of 328

Efficiency Ratio

71.49%

Rank 273 of 328

Equity / Assets

8.83%

Rank 267 of 328

Non-interest income vs. expense

$7.5M$53.0MINCOMEEXPENSE
Unfavorable gap of $45.5M · efficiency ratio beats 17% of banks $1B-$10B in assets
Bank 71.49%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.91%1.22%1.52%Beats 14%282 / 328
Return on Equity7.95%8.43%11.45%14.43%Beats 20%262 / 328
Net Interest Margin2.78%3.03%3.45%3.83%Beats 13%284 / 328
Efficiency Ratio71.49%51.61%59.56%67.53%Beats 17%273 / 328
Asset Quality
Nonperforming Loans / Loans0.61%0.24%0.51%1.03%Beats 43%183 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 87%46 / 322
Capital
Tier 1 Capital Ratio12.45%11.75%13.15%15.47%Beats 38%202 / 328
Total Risk-Based Capital Ratio13.13%12.63%14.15%16.46%Beats 33%221 / 328
Equity / Assets8.83%9.15%10.33%12.01%Beats 19%267 / 328
Liquidity & Funding
Loans / Deposits82.95%76.63%87.92%95.36%38th pctl200 / 323
Loans / Assets72.30%65.18%74.15%79.98%43rd pctl186 / 328
Brokered Deposits / Depositsn/aNot reported for this institution