Qnb Bank (FDIC #7714): Bank Stress & Real-Estate Credit Exposure

Qnb Bank (FDIC Cert #7714): bank stress 78/100, severe, STABLE over 7 days; parent QNB CORP (QNBC).

Qnb Bank (#7714) lends in 3 counties across 1 state; Qnb Bank (#7714) reaches 154 ZIP codes: Pennsylvania 3 counties, 154 ZIPs.

Qnb Bank (#7714) largest markets: Montgomery County, PA (284 branches, 71 ZIPs) (#7714), Bucks County, PA (480 branches, 60 ZIPs) (#7714), Lehigh County, PA (108 branches, 36 ZIPs) (#7714).

Qnb Bank (#7714) reports $2.37 billion in total assets; Qnb Bank (#7714) equity $209.8 million (8.8% of Qnb Bank (#7714) assets); Qnb Bank (#7714) domestic deposits $2.07 billion; Qnb Bank (#7714) net income $8.3 million; Qnb Bank (#7714) return on assets 0.81%; Qnb Bank (#7714) return on equity 9.98%; Qnb Bank (#7714) net interest income $33.3 million; Qnb Bank (#7714) call report June 30, 2026.

Qnb Bank (#7714) noncurrent real-estate loans: none reported; Qnb Bank (#7714) net charge-offs on real estate 0.65%; Qnb Bank (#7714) residential charge-offs 0.13%.

Qnb Bank (#7714) net interest margin 3.40% against an eight-quarter Qnb Bank (#7714) average of 2.89% (Qnb Bank (#7714) compression -0.50 points); Qnb Bank (#7714) non-residential real estate 12.9% of equity; Qnb Bank (#7714) rate-exposure score 40/100, Qnb Bank (#7714) fixed-rate trap 40/100; Qnb Bank (#7714) risk type credit driven; Qnb Bank (#7714) rate regime rates elevated; Qnb Bank (#7714) shares 1.2% below the 52-week high, Qnb Bank (#7714) equity trend strong, Qnb Bank (#7714) snapshot October 19, 2026.

Qnb Bank (#7714) stress score moved from 81.3 on June 22, 2026 to 78.4 on October 19, 2026; Qnb Bank (#7714) ranged 78.4 to 81.3 over 116 snapshots.

Qnb Bank (#7714) alerts: 3 counties; top Qnb Bank (#7714) alert scores: Coopersburg County, PA 25 (low); Royersford County, PA 25 (low); Warminster County, PA 25 (low).