Qnb Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Qnb Bank (FDIC Cert #7714) at 78/100 for bank stress — a severe level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

At the county level, Qnb Bank finances markets like Montgomery County, PA, Bucks County, PA, Lehigh County, PA — the specific places where its credit posture translates into local lending capacity. Rather than a standalone rating, the severe score is tied to real markets — every one of the 154 ZIP codes Qnb Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. A severe score on a footprint this size means the markets Qnb Bank touches inherit a corresponding share of that lending pressure. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because Qnb Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 78/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Its footprint is compact and single-state: 154 ZIP codes in 3 counties over 1 states. The deepest footprints are Pennsylvania (3 counties). Qnb Bank is part of a publicly traded group, trading under ticker QNBC via Qnb Corp, so its disclosures are public and its stress trajectory is externally verifiable. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Qnb Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Qnb Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.