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	Mar '26 Mar 31, 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	56.6	50.3	50.71	62.66	15.9	13.39
Investment Securities	205.23	211.42	186.4	181.88	200.75	247.82
Mortgage-Backed Securities	322.78	331.41	360.16	314.21	357.83	456.95
Total Investments	528.01	542.83	546.56	496.09	558.58	704.77
Gross Loans	1,283	1,263	1,217	1,094	1,040	927.15
Allowance for Loan Losses	-9.53	-9.22	-8.74	-8.85	-10.53	-11.18
Other Adjustments to Gross Loans	-0.48	-0.44	-0.5	-0.24	-0.25	-0.68
Net Loans	1,273	1,253	1,207	1,085	1,029	915.29
Property, Plant & Equipment	17.95	16.89	17.26	14.95	15.46	16.54
Loans Held for Sale	1.2	0.25	0.66	0.55	-	-
Accrued Interest Receivable	4.85	4.84	4.97	6.1	5.04	4.1
Long-Term Deferred Tax Assets	13.96	13.99	18.33	19.29	23.08	2.45
Other Long-Term Assets	23.38	17.39	19.67	19.27	16.39	15.47
Total Assets	1,923	1,906	1,871	1,706	1,668	1,673
Interest Bearing Deposits	1,261	1,244	1,242	1,138	1,102	1,132
Institutional Deposits	204.93	208.79	203.3	165.13	84.12	74.92
Non-Interest Bearing Deposits	187.58	189.96	183.5	185.1	231.85	243.01
Total Deposits	1,653	1,643	1,629	1,489	1,418	1,450
Short-Term Borrowings	86.81	80.6	53.84	94.09	161.33	68.48
Current Portion of Leases	-	0.5	-	-	-	-
Accrued Interest Payable	3.59	5.05	7.58	5.29	0.47	0.21
Long-Term Debt	39.32	39.27	39.07	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	-	30	20	10	10
Long-Term Leases	-	1.88	-	-	-	-
Other Long-Term Liabilities	8.59	6.63	8.51	7.39	7.38	8.41
Total Liabilities	1,792	1,776	1,768	1,615	1,598	1,537
Common Stock	2.5	2.47	2.44	2.41	2.37	2.35
Retained Earnings	149.69	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	-16.76	-17.26	-35.01	-41.5	-56.33	19.94
Shareholders' Equity	131.38	129.56	103.35	90.82	70.96	136.49
Total Liabilities & Equity	1,923	1,906	1,871	1,706	1,668	1,673
Total Debt	126.12	122.25	122.91	114.09	171.33	78.48
Net Cash (Debt)	-69.52	-71.96	-72.2	-51.44	-155.43	-65.09
Net Cash Per Share	-18.56	-19.30	-19.65	-14.25	-43.60	-18.31
Filing Date Shares Outstanding	4.97	3.76	3.7	3.65	3.59	3.55
Total Common Shares Outstanding	3.78	3.74	3.7	3.65	3.59	3.55
Book Value Per Share	34.72	34.65	27.96	24.86	19.78	38.41
Tangible Book Value	131.38	129.56	103.35	90.82	70.96	136.49
Tangible Book Value Per Share	34.72	34.65	27.96	24.86	19.78	38.41

Source: S&P Global Market Intelligence. Banks template. Financial Sources.