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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

QNB Bank

Quakertown, Pennsylvania · $2.37B in assets · beside the 11 other Pennsylvania banks between $1B and $3B

The filing

0.69%
ROA
12th of 12
71.5%
Efficiency
12th of 12
+40.8%
Loans, year over year
1st of 12, largest first

QNB Bank is the seventh largest of the 12 Pennsylvania banks nearest its size between $1B and $3B, with $2.37B in assets at 30 June 2026. Loans are 82.9% of deposits, 5th of 12 against a median of 84.0%, and equity is 8.8% of assets, 7th of 12. Loans grew +40.8% in the year, the fastest in the cohort, and deposits grew 25.2%; the cohort's median loan growth is +9.9%.

Noncurrent loans are 0.61% of the book, 6th of 12 against a median of 0.67%; 0.30% is 30 to 89 days past due, and the allowance covers them 1.2 times. Commercial real estate is 48.2% of loans, 11th of 12 against a median of 29.1%, and 332% of capital, above the 300% screen, with construction at 57% against the 100% screen. CRE has grown +90.3% over 36 months, past the guidance's 50% prong.

Return on assets is 0.69%, the lowest in the cohort against a median of 1.13%, on an efficiency ratio of 71.5%, the highest in the cohort. Five years ago it was 0.94%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 15.0% of loans).

Return on assetsPA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.13% JB Journey Bank 1.69% NB Nextier Bank National Association 1.38% FM Farmers & Merchants Trust Chamber 1.23% KB Kish Bank 1.16% Bo Bank of Bird-in-hand 1.15% ST Somerset Trust Co. 1.13% FD Fidelity Deposit & Discount Bank 1.13% EN Ephrata National Bank 0.98% WB Wayne Bank 0.95% EB Embassy Bank Lehigh Valley 0.87% MB Meridian Bank 0.75% QB QNB Bank 0.69%
Loans, year over yearPA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.9% QB QNB Bank +40.8% WB Wayne Bank +26.9% Bo Bank of Bird-in-hand +15.5% KB Kish Bank +14.4% EN Ephrata National Bank +14.2% FD Fidelity Deposit & Discount Bank +13.7% FM Farmers & Merchants Trust Chamber +6.1% JB Journey Bank +4.1% MB Meridian Bank +3.7% EB Embassy Bank Lehigh Valley +3.0% NB Nextier Bank National Association +2.1% ST Somerset Trust Co. -1.0%

SBA 7(a), FY2008 to FY2026

QNB Bank is the 43rd largest 7(a) lender into Pennsylvania of 374, with $59M across 157 loans, 0.5% of everything approved in the state (The Huntington National Bank leads with $747M). 3 of its 11 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Montgomery, PA$23M14th of 1601.6%+0.7 pts
Berks, PA$15M9th of 893.2%-1.0 pts
Chester, PA$8M28th of 1210.9%-0.0 pts
Bucks, PA$5M48th of 1400.4%+0.0 pts
Lehigh, PA$3M27th of 870.9%+0.3 pts
Philadelphia, PA$2M79th of 1470.2%quiet FY2020
Delaware, PA$1M65th of 1190.2%thin
Northampton, PA$1M40th of 900.5%-0.5 pts
Cuyahoga, OH$425K123rd of 1450.0%quiet FY2012
Portage, OH$400K48th of 610.2%quiet FY2012
Burlington, NJ$100K118th of 1260.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services25$12M19.6%0.02%524th of 2,596
Health care & social assistance18$8M13.7%0.02%426th of 2,172
Manufacturing16$8M13.7%0.02%525th of 2,246
Retail trade18$7M11.4%0.01%603rd of 2,589
Professional & technical services22$7M10.9%0.02%378th of 1,955
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and QNB Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans QB QNB Bank 0.5% $59M · 157 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
QNB BankRankCohort median
Total CRE against capital, the 300% screen332%10th of 12204%
Construction against capital, the 100% screen57%9th of 1249%
Construction and land development, share of loans8.2%9th of 126.4%
Non-owner-occupied nonfarm nonresidential, share of loans27.6%12th of 1216.8%
Total CRE, the guidance definition, share of loans48.2%11th of 1229.1%
CRE growth over 36 months, the third prong+90.3%10th of 12+59.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Fidelity Deposit & Discount Bank$2.97B1.1%58.5%0.08%0.01%1.0%81.6%8.5%
Nextier Bank National Association$2.93B1.4%50.9%1.49%0.00%1.1%86.8%10.6%
Wayne Bank$2.91B1.0%63.9%1.21%0.17%1.1%89.4%9.3%
Meridian Bank$2.59B0.8%64.5%3.68%0.93%1.0%101.5%9.6%
Somerset Trust Co.$2.47B1.1%66.3%1.49%0.12%1.3%81.3%8.1%
Ephrata National Bank$2.39B1.0%71.4%0.54%0.04%1.1%82.7%9.4%
QNB Bank$2.37B0.7%71.5%0.61%0.00%0.7%82.9%8.8%
Farmers & Merchants Trust Chamber$2.34B1.2%60.1%1.10%0.07%1.4%83.8%8.3%
Kish Bank$2.08B1.2%61.3%0.57%0.03%0.7%117.3%8.4%
Bank of Bird-in-hand$1.91B1.2%52.6%0.19%0.00%0.6%103.4%9.6%
Embassy Bank Lehigh Valley$1.86B0.9%59.0%0.05%0.00%0.9%77.7%6.9%
Journey Bank$1.67B1.7%51.7%0.74%0.03%0.8%84.2%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
QNB BankCohort median
20212026Change20212026Change
Loans$926M$1.72B+85%$1.07B$1.73B+62%
Deposits$1.34B$2.07B+54%$1.39B$2.01B+44%
NPA / loans0.88%0.61%-0.28 pts0.43%0.67%+0.24 pts
Efficiency61.3%71.5%+10.2 pts61.1%60.7%-0.4 pts
ROA0.94%0.69%-0.25 pts1.05%1.13%+0.09 pts

This read was prepared for QNB Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on QNB Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $1B to $3B
Institution www.qnbbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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