QNB Corp. Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	50.3	50.71	62.66	15.9	13.39
Investment Securities	542.83	186.4	181.88	200.75	247.82
Mortgage-Backed Securities	-	360.16	314.21	357.83	456.95
Total Investments	542.83	546.56	496.09	558.58	704.77
Gross Loans	1,262	1,217	1,094	1,040	927.15
Allowance for Loan Losses	-9.22	-8.74	-8.85	-10.53	-11.18
Other Adjustments to Gross Loans	-	-0.5	-0.24	-0.25	-0.68
Net Loans	1,253	1,207	1,085	1,029	915.29
Property, Plant & Equipment	-	17.26	14.95	15.46	16.54
Loans Held for Sale	0.25	0.66	0.55	-	-
Accrued Interest Receivable	-	4.97	6.1	5.04	4.1
Long-Term Deferred Tax Assets	-	18.33	19.29	23.08	2.45
Other Long-Term Assets	59.77	19.67	19.27	16.39	15.47
Total Assets	1,906	1,871	1,706	1,668	1,673
Interest Bearing Deposits	1,453	1,242	1,138	1,102	1,132
Institutional Deposits	-	203.3	165.13	84.12	74.92
Non-Interest Bearing Deposits	189.96	183.5	185.1	231.85	243.01
Total Deposits	1,643	1,629	1,489	1,418	1,450
Short-Term Borrowings	80.6	53.84	94.09	161.33	68.48
Current Portion of Leases	-	0.65	-	-	-
Accrued Interest Payable	-	7.58	5.29	0.47	0.21
Long-Term Debt	39.27	39.07	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	30	20	10	10
Long-Term Leases	-	2.27	-	-	-
Other Long-Term Liabilities	14.06	5.59	7.39	7.38	8.41
Total Liabilities	1,776	1,768	1,615	1,598	1,537
Common Stock	129.56	2.44	2.41	2.37	2.35
Retained Earnings	-	139.96	133.95	128.95	118.16
Treasury Stock	-	-4.04	-4.04	-4.04	-3.96
Comprehensive Income & Other	-	-35.01	-41.5	-56.33	19.94
Shareholders' Equity	129.56	103.35	90.82	70.96	136.49
Total Liabilities & Equity	1,906	1,871	1,706	1,668	1,673
Total Debt	119.87	125.84	114.09	171.33	78.48
Net Cash (Debt)	-69.57	-75.13	-51.44	-155.43	-65.09
Net Cash Per Share	-18.66	-20.45	-14.25	-43.60	-18.31
Filing Date Shares Outstanding	3.73	3.7	3.65	3.59	3.55
Total Common Shares Outstanding	3.73	3.7	3.65	3.59	3.55
Book Value Per Share	34.73	27.96	24.86	19.78	38.41
Tangible Book Value	129.56	103.35	90.82	70.96	136.49
Tangible Book Value Per Share	34.73	27.96	24.86	19.78	38.41

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.