Call reports 2025
QNB BANK — 2025
What QNB BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,873,899,000 | 1,863,773,000 | 1,882,594,000 | 1,884,754,000 |
| Total loans | 1,212,450,000 | 1,219,745,000 | 1,246,569,000 | 1,262,360,000 |
| Allowance for loan losses | 9,298,000 | 9,169,000 | 9,255,000 | 9,215,000 |
| Securities available for sale | 526,267,000 | 526,429,000 | 520,951,000 | 522,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,665,039,000 | 1,653,107,000 | 1,682,305,000 | 1,644,295,000 |
| Interest-bearing deposits | 1,460,889,000 | 1,450,207,000 | 1,492,048,000 | 1,452,554,000 |
| Noninterest-bearing deposits | 204,150,000 | 202,900,000 | 190,257,000 | 191,741,000 |
| Equity capital | 124,868,000 | 129,514,000 | 137,548,000 | 145,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 21,981,000 | 44,868,000 | 68,169,000 | 91,770,000 |
| Interest expense | 9,724,000 | 19,244,000 | 28,827,000 | 37,659,000 |
| Net interest income | 12,257,000 | 25,624,000 | 39,342,000 | 54,111,000 |
| Noninterest income | 1,658,000 | 3,385,000 | 5,306,000 | 7,255,000 |
| Noninterest expense | 9,252,000 | 18,605,000 | 28,080,000 | 38,072,000 |
| Provision for loan losses | 551,000 | 406,000 | 504,000 | 460,000 |
| Pretax income | 4,113,000 | 10,000,000 | 16,071,000 | 22,845,000 |
| Income tax | 821,000 | 2,029,000 | 3,263,000 | 4,652,000 |
| Net income | 3,292,000 | 7,971,000 | 12,808,000 | 18,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 184,271,000 | 186,722,000 | 189,083,000 | 191,733,000 |
| Total capital | 193,654,000 | 195,976,000 | 198,418,000 | 201,024,000 |
| Risk-weighted assets | 1,377,963,000 | 1,391,180,000 | 1,420,548,000 | 1,420,290,000 |
Machine access — free, no API key
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