# QNB BANK
QUAKERTOWN, PA · FDIC certificate 7714 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.37B | |
| Deposits | $2.07B | |
| Loans and leases | $1.72B | |
| Total equity | $209.8M | |
| Loans / deposits | 82.33% (p38 of band) | 87.10% |
| Liquid assets / assets | 24.05% (p61 of band) | |
| Uninsured deposits / deposits | 32.09% (p54 of band) | 30.76% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 3.18% (p36 of band) | |
| FHLB advances / assets | 2.38% | |
| Tier 1 leverage | 9.84% (p33 of band) | 10.50% |
| Unrealized securities loss / equity | -26.73% (p12 of band) | -7.75% |
| AOCI / equity | 1.28% (p97 of band) | |
| ROA (annualized) | 0.81% (p20 of band) | 1.26% |
| Net interest margin | 3.40% (p31 of band) | 3.70% |
| Efficiency ratio | 70.59% (p80 of band) | |
| Noncurrent loans | 0.61% (p58 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 122.58% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 67.50% (p70 of band) | |
| Auto loans | $475,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 25.2% | |
| Employees | 239 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 0 |  | reserve under noncurrent, capital falling |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 1 |  | noncurrent p90 |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 2 | construction >100% equity |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 3 | NIM <2.5% | capital falling |
| 2024-06 | 2 |  | NIM <2.5% |
| 2024-09 | 1 |  | construction >100% equity |
| 2024-12 | 2 | construction >100% equity |  |
| 2025-03 | 2 | capital falling | construction >100% equity |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 0 |  | securities losses >30% of equity, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-29 [QNB Corp’s Banking Division, QNB Bank, Announces Successful Victory Bank Systems Integration - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZVQ5SFp5SkZoWUI0RjRsMTBKcW9DUjF4TVdFYmZMaDZERGNxdy01eVowcWlKa3hadmZaZUlWelVobHlXR21OZ3MyVE05VlpCazFsalZsU2pSaU5sZEJRZ3lKZnhRcVJTTnpiTEFLeUN4aTJZX0ZSV1l5MUg3QWN6SHhESjB5S2tLbHVibHppR0QwWEpMMFc1TVZB?oc=5) · Yahoo Finance
- 2026-04-07 [Quakertown's QNB Bank completes acquisition of Montgomery County bank - WFMZ.com](https://news.google.com/rss/articles/CBMihwJBVV95cUxOSTctWklzMmZoX09fMXJkT1BXLXVKSXF4Nmh3eE10UXFQMk55N0F5dnZLT2lkS2dXdDBnRHNxTi1EWVFRQUtacmdGR2lPMDhVZ09PNm8xVThIQTd6NldFcnhEZnB4Y1Z0bnpvM1FReHdGaDJzT09wb3FDY1RLX2p0ZEVMVTR5VlVobVlDYV85ZWlwVDgxdURfM1diRW1zU3J0VjNhNzA5a0VyUnlMa1l2T1VLdHQtaGF4b1hZLXFfUE9lTThNeDhRNjNaSnJQelEzOXFVTXQ3MzcxemZodjBjVjlsYTdwNVhDVnoyZDJjbjc2RWJuanZUcFZ2VVFmVFVTdzhuZ19kYw?oc=5) · WFMZ.com
- 2026-02-28 [QNB-Victory Bank Merger Moves Forward After Shareholder Vote - BUCKSCO.Today](https://news.google.com/rss/articles/CBMidEFVX3lxTE9pNkRoUHRJeHBtbGdHUXBFc1hkRklGWVNic2ZvWmtoQS1ESHNvWXNSczNCNk91ZTNGdE1pRmYzbTZ3RzNZaHdFQ3pWQ2xZSFBvSm1SS05ybGRCbzhFdzBiMnpsVzNzeTI2MGs5VUwxeXBpYXRn?oc=5) · BUCKSCO.Today
- 2026-05-14 [QNB Corp. Names Chris Cattie as Successor to Lead Community Banking Franchise - citybiz](https://news.google.com/rss/articles/CBMitgFBVV95cUxOekpUSE9LZUlkQ3JWRnlhQmhGc0JwcHFmeTA0RVFFRkNhTWlYZE5reDI2RGI5Q2JqbUZqakJIUWViQWlra285VnJrOW1mWENlcXBobGZQRlZZYnZRR1hOMWpLWmlVTXdRc1B4VFhGNkk1enhDcG9YMmRod2VWNk1WZzFGclRSNWxLd3IzN3lzRlZEdTZtNXVsR0J5SUpGSk52dHBuOG81RjlyQnRmUUd6ZVp4Vnpydw?oc=5) · citybiz
- 2026-04-01 [QNB Corp. Completes Acquisition of Victory Bancorp, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNNXd5UkxyWFN5Wkw0dG9GbjBBTzFaYjQ0QlV6QWNINFNMdzkzVVhkVWZ2cXVMUVZNeFJHcmZVN3l3SWwtb1Z3VDZMRi1ULThNbVdEa21IZk5ULWQydXRGQUVuYWNHMjdEZk5yZEdqQzQzVERGOXAzWjJmbXJNanBac3BRNEt5TWlMcFRLVVhXbGNBTWxLc09BZzRhNTZ6SGtQaHRORE93aEt6M282VzZ6Z0dKZlhUZElJYzVLbVc4ZVFDOVE?oc=5) · GlobeNewswire
- 2026-08-26 [QNB Corp. Declares Q3 2026 Dividend - The Manila Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxNaHVPR25kcTZyN1p6aE5PSjczazhzdlZmcGhiMTd0Y2gwTUVDMnNoVWVPLWptSzdSS1ZVMVZMLWJDNFBfaFlCQzNTSHpzTm8tZlN1LTNSalhOVWp1dUhfWmU3cDA2SzByd2JfV09UeTlhcjhTcUZGV2tqZ0JsWHRPZlRJV25yVEhxQVJLOXY3Mm9aX0ttN0J5VHg4QkJGY0lYb1I2ek5JUFNseEJq0gGyAUFVX3lxTE1qV2wzelZfNDctZm1LbmlBSS1halh1Um1faWZFcEFoRG1PSnM5TjRqYnFyVVd0UGtQUVFHVXBnY1pMa2kyWERZQ3h6RUFKUTBQVkRYbmtvRXdUd1VkRURiQm1Jd09rc0tqdUxEZXFCeEk3LVhSUVRtLVpneGYxbGtrenBVQnVQU2lmNmJNbkFVcF8tRUpjRi1mQ3dKLUJXcjBXQ0stUXdYejhnaUY3WmJPNUE?oc=5) · The Manila Times
- 2025-09-23 [QNB to acquire smaller rival in southeastern Pennsylvania - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxPWVp4T1kxYTFHVHpaeUwwV2lmWW01eVJnR1NnbUtDSEltMkpmMGtaak5uZ2VRTTlSNlFldHVkbmM4Um9CTll4YVhtNGx1d3plMjlqemQwNW5jbnM2N1ZQMzVFU0ZQMDZUeWhaSTlNcmhnYXhqYXBxMmFsLURxb2V3TFZSYjRiSlNiU0E1djhpQjY4bjJwRERFYQ?oc=5) · American Banker
- 2025-12-30 [Randall E. Stauffer Appointed to QNB Bank Board of Directors Effective January 1, 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPSkRfTTlCYnZ1QURheTFMdDJVdWxFeGtqd2lXUnhHVm1vYk03X1BFNjFSaG5GWUxLVS1ua0t0R1dXek9zU2dJNElOejZkQmExUFcwVVdaM0w3WWdrYmRLci14X09yOTBGb1FUYWlpM01JVVZkUkhGWnFEOWFSbk96VkszMWdoUkllbFI2aWdVMkFyVWp5Q1IxaC1ydzVaZUEyRWNCbERPYmRLN2xWSFhZY0RhWDQ4ekpPVWp6TUdrOV9zc3BlYUdkR1JTaV8yNkk0ZWl4QnVQVW5fOUQ5N2g2M0NSWktxenlSNWtKdg?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7714 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "7714", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide