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	Sep '26 Sep 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	88.65	73.05	65.37	53.88	40.92	38.33
Interest Income on Investments	19.59	19.59	18.7	15.2	11.5	8.44
Total Interest Income	108.24	92.64	84.07	69.08	52.42	46.77
Interest Paid on Deposits	37.3	35.13	37.48	25	6.9	4.23
Interest Paid on Borrowings	6.28	6.28	3.73	3.93	1.02	0.42
Total Interest Expense	43.58	41.41	41.21	28.93	7.92	4.64
Net Interest Income	64.66	51.23	42.86	40.16	44.5	42.13
Net Interest Income Growth	34.26%	19.52%	6.74%	-9.76%	5.63%	13.10%
Gain (Loss) on Sale of Investments	-28.07	-	0.7	-1.83	-0.76	2.73
Other Non-Interest Income	8.89	6.89	6.18	6.65	6.49	6.45
Total Non-Interest Income	-19.14	6.96	6.91	4.84	5.73	9.78
Non-Interest Income Growth	-	0.64%	42.92%	-15.60%	-41.41%	28.66%
Revenues Before Loan Losses	45.53	58.19	49.78	44.99	50.23	51.91
Provision for Loan Losses	0.85	0.45	-0.07	-0.84	-0.85	0.46
Revenue	44.68	57.74	49.84	45.84	51.08	51.45
Revenue Growth	-18.25%	15.84%	8.74%	-10.26%	-0.72%	18.00%
Salaries and Employee Benefits	25.1	20.93	19.54	18.84	17.22	17.35
Occupancy Expenses	2.55	1.58	1.47	1.5	1.48	1.48
Federal Deposit Insurance	1.03	1.03	1.16	1.06	0.77	0.79
Selling, General & Administrative	10.13	10.13	9.05	8.47	7.81	7.44
Other Non-Interest Expense	7.35	5	4.26	4.24	4.21	3.94
Total Non-Interest Expense	46.16	38.67	35.48	34.11	31.49	31
EBT Excluding Unusual Items	-1.48	19.07	14.36	11.73	19.59	20.45
Pretax Income	-6.33	17.93	14.36	11.73	19.59	20.45
Income Tax Expense	-1.31	3.84	2.91	2.24	3.67	3.96
Net Income	-5.01	14.09	11.45	9.48	15.92	16.49
Net Income to Common	-5.01	14.09	11.45	9.48	15.92	16.49
Net Income Growth	-	23.08%	20.72%	-40.44%	-3.46%	36.49%
Basic Shares Outstanding	5	4	4	4	4	4
Diluted Shares Outstanding	5	4	4	4	4	4
Shares Change	21.16%	1.51%	1.74%	1.30%	0.29%	0.47%
EPS (Basic)	-1.11	3.79	3.12	2.63	4.47	4.64
EPS (Diluted)	-1.12	3.78	3.12	2.63	4.47	4.64
EPS Growth	-	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	Sep '26 Sep 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	1.550	1.520	1.480	1.480	1.440	1.400
Dividend Growth	2.65%	2.70%	0%	2.78%	2.86%	2.94%
Effective Tax Rate	-	21.42%	20.27%	19.13%	18.71%	19.37%