QNB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks QNB Bank of Quakertown, PA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.76% | 1.34% | -0.58% | 15th bottom |
| ROAE | 10.29% | 12.34% | -2.05% | 33rd below |
| Net Interest Margin | 3.38% | 3.83% | -0.45% | 30th below |
| Efficiency Ratio | 71.76% | 58.97% | +12.79% | 16th bottom |
| PPNR / Avg Assets | 0.92% | — | — | 11th bottom |
| Yield on Earning Assets | 5.27% | 5.71% | -0.44% | 33rd below |
| Cost of Funds | 2.08% | 2.02% | +0.06% | 45th below |
| Net Interest Spread | 2.70% | — | — | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.87% | -0.26% | 43rd below |
| NPA / Total Assets | 0.44% | — | — | 47th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 81st top |
| ACL / Total Loans | 0.74% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 122.58% | — | — | 31st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.10% | 5.48% | -0.38% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.45% | 14.99% | -2.54% | 32nd below |
| Tier 1 Ratio | 12.45% | 15.02% | -2.57% | 31st below |
| Total Capital Ratio | 13.13% | — | — | 24th bottom |
| Leverage Ratio | 9.84% | 11.11% | -1.27% | 32nd below |
| Equity / Assets | 8.83% | 11.02% | -2.19% | 18th bottom |
| TCE / Tangible Assets | 8.13% | — | — | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.95% | 86.99% | -4.04% | 64th above |
| Core Deposit Ratio | 96.14% | 85.57% | +10.57% | 90th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.09% | 33.19% | -1.10% | 47th below |
| Wholesale Funding Ratio | 3.18% | — | — | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 27.43% | — | — | 94th top |
| Loan Growth (Y/Y) | 40.77% | — | — | 96th top |
| Deposit Growth (Y/Y) | 25.22% | — | — | 93rd top |
See QNB Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock QNB Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full QNB Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the QNB Bank peer analysis.