QNB Corp. Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	79.34	50.3	50.71	62.66	15.9	13.39
Investment Securities	207.81	211.42	186.4	181.88	200.75	247.82
Mortgage-Backed Securities	309.43	331.41	360.16	314.21	357.83	456.95
Total Investments	517.25	542.83	546.56	496.09	558.58	704.77
Gross Loans	1,717	1,263	1,217	1,094	1,040	927.15
Allowance for Loan Losses	-12.77	-9.22	-8.74	-8.85	-10.53	-11.18
Other Adjustments to Gross Loans	-0.47	-0.44	-0.5	-0.24	-0.25	-0.68
Net Loans	1,704	1,253	1,207	1,085	1,029	915.29
Property, Plant & Equipment	25.27	16.89	17.26	14.95	15.46	16.54
Loans Held for Sale	0.4	0.25	0.66	0.55	-	-
Accrued Interest Receivable	6.4	4.84	4.97	6.1	5.04	4.1
Long-Term Deferred Tax Assets	13.38	13.99	18.33	19.29	23.08	2.45
Other Long-Term Assets	31.13	17.39	19.67	19.27	16.39	15.47
Total Assets	2,399	1,906	1,871	1,706	1,668	1,673
Interest Bearing Deposits	1,721	1,244	1,242	1,138	1,102	1,132
Institutional Deposits	79.78	208.79	203.3	165.13	84.12	74.92
Non-Interest Bearing Deposits	266.12	189.96	183.5	185.1	231.85	243.01
Total Deposits	2,067	1,643	1,629	1,489	1,418	1,450
Short-Term Borrowings	75.43	80.6	53.84	94.09	161.33	68.48
Current Portion of Leases	-	0.5	-	-	-	-
Accrued Interest Payable	4.34	5.05	7.58	5.29	0.47	0.21
Long-Term Debt	54.02	39.27	39.07	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	-	30	20	10	10
Long-Term Leases	-	1.88	-	-	-	-
Other Long-Term Liabilities	14.52	6.63	8.51	7.39	7.38	8.41
Total Liabilities	2,215	1,776	1,768	1,615	1,598	1,537
Common Stock	3.24	2.47	2.44	2.41	2.37	2.35
Retained Earnings	150.76	148.4	139.96	133.95	128.95	118.16
Treasury Stock	-4.04	-4.04	-4.04	-4.04	-4.04	-3.96
Comprehensive Income & Other	33.55	-17.26	-35.01	-41.5	-56.33	19.94
Shareholders' Equity	183.51	129.56	103.35	90.82	70.96	136.49
Total Liabilities & Equity	2,399	1,906	1,871	1,706	1,668	1,673
Total Debt	129.45	122.25	122.91	114.09	171.33	78.48
Net Cash (Debt)	-50.11	-71.96	-72.2	-51.44	-155.43	-65.09
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-12.33	-19.30	-19.65	-14.25	-43.60	-18.31
Filing Date Shares Outstanding	4.98	3.76	3.7	3.65	3.59	3.55
Total Common Shares Outstanding	4.98	3.74	3.7	3.65	3.59	3.55
Book Value Per Share	36.87	34.65	27.96	24.86	19.78	38.41
Tangible Book Value	164.99	129.56	103.35	90.82	70.96	136.49
Tangible Book Value Per Share	33.15	34.65	27.96	24.86	19.78	38.41