QNB Bank
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Data as of · sourced from FFIEC call reports. How we update
QNB Bank is an FDIC-insured commercial bank headquartered in Quakertown, PA, established in 1877 (FDIC certificate 7714), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.37B, up 27.4% from Q2 2025, the 26th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.45% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7714
- Headquarters
- Quakertown, PA
- Established
- 1877
- Total assets, Q2 2026
- $2.37B
- Assets vs Q2 2025
- +27.4%
- CET1 ratio, Q2 2026
- 12.45%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 031907790
- Holding company
- QNB CORP.
- Asset rank in state
- 26th of 109 in Pennsylvania
QNB Bank is growing quickly. Based in Quakertown, Pennsylvania, it had $2.4 billion in assets at June 30, 2026, up 27.4% from a year earlier. It grew its loan book 40.8% over the year, 6.9 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Loans are outrunning deposits: over the year loans rose 40.8% and deposits rose 25.2%. Delinquency has appeared in its $211 million multifamily book: 0.73% of those loans are past due or on nonaccrual, against almost none a year earlier. Profitability lags: it earns about $0.76 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, QNB Bank reported a CET1 capital ratio of 12.45%, a return on assets of 0.76%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 5.10%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, QNB Bank is the 26th largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets rose 25.0% to $2.37B, loans rose 33.7% and deposits rose 25.1%. Non-owner-occupied commercial real estate loans made up 27.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 25.3%. The FDIC Summary of Deposits lists 15 offices for it, in 11 cities in PA; its Quakertown 4 offices book 31% of its branch deposits. By the capital ratios in its Q2 2026 call report, QNB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 N 3rd St, Quakertown, PA 18951
- County
- Bucks
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 21, 1877
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 239
- Domestic deposits
- $2.07B
- Allowance for credit losses
- $12.8M
- Net charge-offs (YTD)
- -$14K
- Average total assets
- $2.42B
- Average total loans
- $1.71B
- Average interest-bearing deposits
- $1.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7714
- Fed RSSD
- 852713
- SEC CIK
- 750558 → filed by QNB CORP.
- Website
- www.qnbbank.com →
- Parent Holding Company
- QNB CORP. (RSSD 1118434) · QNBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David W. Freeman | CEO | President/Chief Exec Officer |
| Jeffrey Lehocky | CFO | EVP, Chief Financial Officer |
| Christopher T Cattie | COO | EVP Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, QNB Bank's total assets ran between $1.67B (Q3 2023) and $2.37B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.37B total assets against $1.86B; $2.17B total liabilities against $1.73B.
$1.70B net loans and leases against $1.21B; $2.07B total deposits against $1.65B.
$496.5M securities against $526.4M; $74.7M cash and balances due against $64.1M.
$30.4M total interest income against $22.9M; $11.0M total interest expense against $9.5M.
$19.4M net interest income against $13.4M.
$1.9M total noninterest income against $1.7M; $15.7M total noninterest expense against $9.4M.
$222K provision for credit losses against -$146K.
$4.6M net income against $4.7M.
0.76% return on assets against 0.97%; 3.38% net interest margin against 2.88%.
12.45% CET1 capital ratio against 13.42%; 9.84% tier 1 leverage ratio against 9.70%.
Inside the full QNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
QNB Bank rankings
Its closest position to the top of a national ranking is 514 of 4,196, for total assets; its furthest is 2,965 of 3,611, for ROA.
Banks merged into QNB Bank
- The Victory Bank, effective April 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q1 2025) to 1.12% (Q4 2025) and its net interest margin ran from 2.54% (Q3 2024) to 3.38% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.45% | 0.76% | 0.61% | 5.10% | 3.38% |
| Q1 2026 | 13.25% | 0.78% | 0.75% | 6.19% | 2.97% |
| Q4 2025 | 13.50% | 1.12% | 0.70% | 5.69% | 3.17% |
| Q3 2025 | 13.31% | 1.00% | 0.72% | 6.09% | 2.93% |
| Q2 2025 | 13.42% | 0.97% | 0.73% | 6.45% | 2.88% |
| Q1 2025 | 13.37% | 0.69% | 0.71% | 6.45% | 2.66% |
| Q4 2024 | 13.28% | 0.80% | 0.16% | 1.53% | 2.56% |
| Q3 2024 | 13.69% | 0.74% | 0.14% | 1.28% | 2.54% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| QNB Bank (main office) | Quakertown , PA | 18951 | $401.9M |
| The Victory Bank Branch | Limerick , PA | 19468 | $361.3M |
| Coopersburg Branch | Coopersburg , PA | 18036 | $213.4M |
| Pennsburg Branch | Pennsburg , PA | 18073 | $209.9M |
| Country Square Branch | Quakertown , PA | 18951 | $198.8M |
| Souderton Branch | Souderton , PA | 18964 | $159.9M |
| Dublin Village Branch | Dublin , PA | 18917 | $111.7M |
| Perkasie Branch | Perkasie , PA | 18944 | $109.6M |
| Colmar Branch | Colmar , PA | 18915 | $78.7M |
| Wescosville Branch | Allentown , PA | 18106 | $76.5M |
| Warminster Office Branch | Warminster , PA | 18974 | $60.7M |
| Quaker Commons Office Branch | Quakertown , PA | 18951 | $35.7M |
| Horsham Branch | Horsham , PA | 19044 | $30.0M |
| West Allentown | Allentown , PA | 18104 | $21.7M |
| Qnb-Online Internet Banking Branch | Quakertown , PA | 18951 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired The Victory Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in PA, rank 34 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 260 applications, 194 loans originated, $91.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $3.2M approved, $638K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about QNB Bank
What are QNB Bank's total assets?
As of the Q2 2026 filing, QNB Bank reported total assets of $2.37 billion in its FFIEC call report.
Where is QNB Bank headquartered?
It is headquartered in Quakertown, PA, United States.
When was QNB Bank founded?
It was established in 1877, per the FDIC institution directory.
Is QNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7714). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates QNB Bank?
QNB Bank's primary federal regulator is the FDIC.
What is QNB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.45% in its Q2 2026 call report, above regulatory requirements.
How many branches does QNB Bank operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is QNB Bank's Texas Ratio?
Its Texas Ratio is 5.10% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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