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
Unfavorable gap of $45.5M · efficiency ratio beats 17% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.91% | 1.22% | 1.52% | Beats 14% | 282 / 328 | |
| Return on Equity | 7.95% | 8.43% | 11.45% | 14.43% | Beats 20% | 262 / 328 | |
| Net Interest Margin | 2.78% | 3.03% | 3.45% | 3.83% | Beats 13% | 284 / 328 | |
| Efficiency Ratio | 71.49% | 51.61% | 59.56% | 67.53% | Beats 17% | 273 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.24% | 0.51% | 1.03% | Beats 43% | 183 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 87% | 46 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.45% | 11.75% | 13.15% | 15.47% | Beats 38% | 202 / 328 | |
| Total Risk-Based Capital Ratio | 13.13% | 12.63% | 14.15% | 16.46% | Beats 33% | 221 / 328 | |
| Equity / Assets | 8.83% | 9.15% | 10.33% | 12.01% | Beats 19% | 267 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 82.95% | 76.63% | 87.92% | 95.36% | 38th pctl | 200 / 323 | |
| Loans / Assets | 72.30% | 65.18% | 74.15% | 79.98% | 43rd pctl | 186 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |