BlastPoint's Banking Scorecard

QNB Bank

Community Specialty: Commercial PA FDIC cert 7714

Quakertown, PA

1484 banks in Community tier nationally 51 in PA

View Community leaderboard (PA) →

QNB Bank faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 45% in Community

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Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$1.9B +1.9% YoY +0.1% QoQ	+$493.3M	$1.4B +2.0% YoY	$3.0B +6.6% YoY	$5.9B +6.5% YoY	77%
Total Loans ?	$1.3B +3.7% YoY +1.3% QoQ	+$277.7M	$975.5M +2.4% YoY	$2.2B +7.9% YoY	$3.1B +8.5% YoY	76%
Total Deposits ?	$1.6B +0.9% YoY -2.3% QoQ	+$479.7M	$1.2B +1.7% YoY	$2.5B +6.7% YoY	$4.7B +6.3% YoY	79%
Return on Assets ?	0.97% +40.2% YoY +6.3% QoQ	-0.19%	1.16% +17.2% YoY	0.80% +34.8% YoY	1.12% +15.6% YoY	37%
Net Interest Margin ?	3.02% +17.2% YoY +2.9% QoQ	-0.65%	3.66% +9.1% YoY	3.23% +9.5% YoY	3.75% +7.1% YoY	18%
Efficiency Ratio ?	62.04% -11.8% YoY -1.4% QoQ	-0.59%	62.63% -5.3% YoY	70.08% -6.4% YoY	65.09% -5.1% YoY	50%
Delinquency Rate ?	0.70% +329.2% YoY -3.0% QoQ	+0.07%	0.63% +18.3% YoY	0.65% +5.6% YoY	0.66% +20.3% YoY	36%
Loan-to-Deposit Ratio ?	76.21% +2.8% YoY +3.6% QoQ	-6.85%	83.06% +0.3% YoY	84.39% -0.1% YoY	78.04% +0.7% YoY	31%
Non-Interest-Bearing Deposit Share ?	11.66% +2.9% YoY +3.1% QoQ	-9.38%	21.05% -0.9% YoY	17.53% +0.3% YoY	21.79% -1.3% YoY	Bottom 14% in tier
Nonperforming Asset Ratio ?	0.47% +336.8% YoY -1.8% QoQ	-0.03%	0.50% +20.3% YoY	0.48% +10.7% YoY	0.48% +20.8% YoY	41%
Tier 1 Capital Ratio ?	13.50% +1.7% YoY +1.4% QoQ	+3.26%	10.24% -0.6% YoY	11.49% +7.4% YoY	9.75% -1.9% YoY	63%
Non-Interest Income / Assets ?	0.38% +9.7% YoY +36.6% QoQ	-0.35%	0.74% -1.3% YoY	0.53% +5.0% YoY	0.65% +0.6% YoY	33%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Credit Risk Growth

risk

#289 of 642 · Bottom 45% in Community

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

642 of 642 Community banks match · 759 nationally

→ Stable +24 banks QoQ | QoQ rank improving

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Deposits

Current: $1.6B · Tier avg: $1.2B

79th pctile

Total Assets

Current: $1.9B · Tier avg: $1.4B

77th pctile

Total Loans

Current: $1.3B · Tier avg: $975.5M

76th pctile

Tier 1 Capital Ratio

Current: 13.50% · Tier avg: 10.24%

63th pctile

Efficiency Ratio

Current: 62.04% · Tier avg: 62.63%

50th pctile

Nonperforming Asset Ratio

Current: 0.47% · Tier avg: 0.50%

41th pctile

Return on Assets

Current: 0.97% · Tier avg: 1.16%

37th pctile

Delinquency Rate

Current: 0.70% · Tier avg: 0.63%

36th pctile

Non-Interest Income / Assets

Current: 0.38% · Tier avg: 0.74%

33th pctile

Loan-to-Deposit Ratio

Current: 76.21% · Tier avg: 83.06%

31th pctile

Net Interest Margin

Current: 3.02% · Tier avg: 3.66%

18th pctile

Non-Interest-Bearing Deposit Share

Current: 11.66% · Tier avg: 21.05%

14th pctile

Top Weaknesses