Quakertown, PA · Cert 7714 · QNB Corp.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.3% share · #22 of 88 inst. · $1.8B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.69% | 0.71% | 0.86% | 0.91% | 0.97% | 0.79% | 0.81% | -4 bps | |
| Return on Equity | 12.44% | 12.65% | 10.73% | 12.76% | 13.33% | 13.83% | 10.33% | 9.98% | -277 bps | |
| Net Interest Margin | 2.30% | 2.30% | 2.57% | 2.66% | 2.71% | 2.81% | 2.87% | 2.78% | +11 bps | |
| Efficiency Ratio | 71.50% | 70.36% | 66.49% | 64.14% | 62.89% | 62.04% | 68.30% | 70.59% | +646 bps | |
| Non-Interest Burden | 1.55% | 1.52% | 1.59% | 1.58% | 1.57% | 1.60% | 1.84% | 1.88% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.20% | 9.13% | 10.10% | 6.65% | 3.16% | 1.93% | 1.38% | 27.43% | +2,078 bps | |
| Loan Growth (YoY) | 10.44% | 11.21% | 8.00% | 4.87% | 6.39% | 3.75% | 5.90% | 40.77% | +3,590 bps | |
| Deposit Growth (YoY) | 9.64% | 9.47% | 8.39% | 5.10% | 3.44% | 0.89% | -0.59% | 25.22% | +2,012 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.16% | 0.71% | 0.73% | 0.72% | 0.70% | 0.75% | 0.61% | -13 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.77% | 0.72% | 0.77% | 0.75% | 0.74% | 0.73% | 0.74% | 0.74% | -1 bps | |
| Allowance Coverage of NPLs | 5.3x | 4.4x | 1.1x | 1.0x | 1.0x | 1.0x | 1.0x | 1.2x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 9.71% | 9.64% | 9.70% | 9.75% | 9.94% | 9.98% | 9.84% | +14 bps | |
| Total Risk-Based Capital | 14.38% | 13.92% | 14.05% | 14.09% | 13.97% | 14.15% | 13.91% | 13.13% | -96 bps | |
| Equity / Assets | 6.75% | 6.52% | 6.66% | 6.95% | 7.31% | 7.71% | 7.68% | 8.83% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.05% | 74.66% | 72.82% | 73.79% | 74.10% | 76.77% | 77.58% | 82.95% | +916 bps | |
| Liquid Assets / Assets | 4.72% | 1.94% | 3.34% | 2.47% | 2.71% | 1.95% | 1.89% | 2.02% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 408% | 400% | 406% | n/a | n/a | |