QNB Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Common stock surplus: 166.3% higher than in Q1 2026, at $100.4M. Within Pennsylvania, QNB Bank is 53rd of 72 on CET1 ratio, 12.45% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. QNB Bank sits 1.05 points lower, at 12.45% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.45% |
| Tier 1 risk-based capital ratio | 12.45% |
| Total risk-based capital ratio | 13.13% |
| Tier 1 leverage ratio | 9.84% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $236.1M |
| Tier 1 capital | $236.1M |
| Total risk-based capital | $249.1M |
| Total equity capital | $209.8M |
| Risk-weighted assets | $1.90B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.83% |
| Tangible equity to tangible assets | 8.13% |
| Equity capital to average assets | 8.68% |
| Internal capital growth rate | -5.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $320K |
| Common stock surplus | $100.4M |
| Retained earnings | $152.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$43.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.71% | 11.71% | 12.41% | 8.25% | $1.24B |
| Q4 2023 | 11.49% | 11.49% | 12.20% | 8.18% | $1.26B |
| Q1 2024 | 11.30% | 11.30% | 11.98% | 8.28% | $1.29B |
| Q2 2024 | 11.06% | 11.06% | 11.73% | 8.28% | $1.34B |
| Q3 2024 | 13.69% | 13.69% | 14.38% | 9.89% | $1.33B |
| Q4 2024 | 13.28% | 13.28% | 13.92% | 9.71% | $1.38B |
| Q1 2025 | 13.37% | 13.37% | 14.05% | 9.64% | $1.38B |
| Q2 2025 | 13.42% | 13.42% | 14.09% | 9.70% | $1.39B |
| Q3 2025 | 13.31% | 13.31% | 13.97% | 9.75% | $1.42B |
| Q4 2025 | 13.50% | 13.50% | 14.15% | 9.94% | $1.42B |
| Q1 2026 | 13.25% | 13.25% | 13.91% | 9.98% | $1.46B |
| Q2 2026 | 12.45% | 12.45% | 13.13% | 9.84% | $1.90B |
QNB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock QNB Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full QNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7714) · FFIEC NIC profile (RSSD 852713)