QNB Corp. Income Statement

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
Interest Income on Loans	82.93	73.05	65.37	53.88	40.92	38.33
Interest Income on Investments	17.51	19.59	18.7	15.2	11.5	8.44
Total Interest Income	100.44	92.64	84.07	69.08	52.42	46.77
Interest Paid on Deposits	35.53	35.13	37.48	25	6.9	4.23
Interest Paid on Borrowings	6.41	6.28	3.73	3.93	1.02	0.42
Total Interest Expense	41.94	41.41	41.21	28.93	7.92	4.64
Net Interest Income	58.5	51.23	42.86	40.16	44.5	42.13
Net Interest Income Growth	26.37%	19.52%	6.74%	-9.76%	5.63%	13.10%
Gain (Loss) on Sale of Investments	0.36	-	0.7	-1.83	-0.76	2.73
Other Non-Interest Income	7.21	6.89	6.18	6.65	6.49	6.45
Total Non-Interest Income	7.66	6.96	6.91	4.84	5.73	9.78
Non-Interest Income Growth	11.87%	0.64%	42.92%	-15.60%	-41.41%	28.66%
Revenues Before Loan Losses	66.16	58.19	49.78	44.99	50.23	51.91
Provision for Loan Losses	0.57	0.45	-0.07	-0.84	-0.85	0.46
Revenue	65.59	57.74	49.84	45.84	51.08	51.45
Revenue Growth	24.16%	15.84%	8.74%	-10.26%	-0.72%	18.00%
Salaries and Employee Benefits	23.33	20.93	19.54	18.84	17.22	17.35
Occupancy Expenses	1.87	1.58	1.47	1.5	1.48	1.48
Federal Deposit Insurance	0.98	1.03	1.16	1.06	0.77	0.79
Selling, General & Administrative	11.38	10.13	9.05	8.47	7.81	7.44
Other Non-Interest Expense	5.78	5	4.26	4.24	4.21	3.94
Total Non-Interest Expense	43.34	38.67	35.48	34.11	31.49	31
EBT Excluding Unusual Items	22.25	19.07	14.36	11.73	19.59	20.45
Pretax Income	17.14	17.93	14.36	11.73	19.59	20.45
Income Tax Expense	3.74	3.84	2.91	2.24	3.67	3.96
Net Income	13.41	14.09	11.45	9.48	15.92	16.49
Net Income to Common	13.41	14.09	11.45	9.48	15.92	16.49
Net Income Growth	4.35%	23.08%	20.72%	-40.44%	-3.46%	36.49%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change	9.79%	1.51%	1.74%	1.30%	0.29%	0.47%
EPS (Basic)	3.31	3.79	3.12	2.63	4.47	4.64
EPS (Diluted)	3.30	3.78	3.12	2.63	4.47	4.64
EPS Growth	-5.07%	21.25%	18.70%	-41.20%	-3.74%	35.84%

Additional Metrics

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
Dividend Per Share	1.540	1.520	1.480	1.480	1.440	1.400
Dividend Growth	2.67%	2.70%	0%	2.78%	2.86%	2.94%
Effective Tax Rate	21.79%	21.42%	20.27%	19.13%	18.71%	19.37%