TellerScore

QNB Bank is a state-chartered bank headquartered in Quakertown, Pennsylvania, in business for about 149 years. At the end of Q2 2026 it reported $2.4B in total assets and $2.1B in deposits, with 18 offices.

QNB Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 75th. Problem-loan coverage contributes the most (91/100, 4.7%); capital cushion contributes the least (48/100, 9.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.84%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.61%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 82.3% · 32.1% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.68%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).

TellerScore
626568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202468
Q4 202468
Q1 202562
Q2 202563
Q3 202564
Q4 202565
Q1 202663
Q2 202663
Tier 1 leverage ratio
5.00%7.49%9.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.28%
Q3 20249.89%
Q4 20249.71%
Q1 20259.64%
Q2 20259.70%
Q3 20259.75%
Q4 20259.94%
Q1 20269.98%
Q2 20269.84%
Noncurrent loans
0.14%0.45%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.14%
Q4 20240.16%
Q1 20250.71%
Q2 20250.73%
Q3 20250.72%
Q4 20250.70%
Q1 20260.75%
Q2 20260.61%
Return on assets
0.59%0.78%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.65%
Q4 20240.69%
Q1 20250.71%
Q2 20250.86%
Q3 20250.91%
Q4 20250.97%
Q1 20260.79%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$2.4B9.84%0.61%0.81%82.3%
Q1 202663$1.9B9.98%0.75%0.79%77.0%
Q4 202565$1.9B9.94%0.70%0.97%76.2%
Q3 202564$1.9B9.75%0.72%0.91%73.5%
Q2 202563$1.9B9.70%0.73%0.86%73.2%
Q1 202562$1.9B9.64%0.71%0.71%72.3%
Q4 202468$1.8B9.71%0.16%0.69%74.1%
Q3 202468$1.8B9.89%0.14%0.65%71.5%
Q2 202462$1.7B8.28%0.18%0.59%73.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.84%
33rd
Total risk-based capital13.13%
43rd
Problem loans0.61%
43rd
Net charge-offs-0.00%
89th
Return on assets0.81%
20th
Net interest margin3.40%
31st
Efficiency ratio70.6%
20th
Loans to deposits82.3%
63rd
Uninsured deposits32.1%
46th
Loan-loss reserves0.74%
12th
Texas ratio4.7%
41st

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
The Ephrata National BankBank Ephrata, PA67 out of 100, Moderate$2.4B9.6%0.54%vs
Farmers and Merchants Trust Company of ChambersburgBank Chambersburg, PA60 out of 100, Moderate$2.3B8.8%1.10%vs
Somerset Trust CompanyBank Somerset, PA55 out of 100, Moderate$2.5B9.1%1.49%vs
Meridian BankBank Wayne, PA34 out of 100, Low$2.6B9.7%3.68%vs
Kish BankBank Belleville, PA58 out of 100, Moderate$2.1B8.9%0.57%vs
Bank of Bird-in-HandBank Bird In Hand, PA68 out of 100, Moderate$1.9B9.8%0.19%vs

Deposit insurance

Is my money safe at QNB Bank?

Yes. QNB Bank is an FDIC-insured institution (FDIC certificate #7714). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.1% of deposits ($664.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.13% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

QNB Bank lists 14 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, QNB Bank reported 260 home-loan applications under HMDA (LEI 549300BPO83ZZLEVGG70): 194 originated ($91,470,000 total), 34 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
QNB Bank
Former names
The Quakertown National Bank
Type
State-chartered bank
FDIC certificate #
7714
RSSD ID
852713
Primary regulator
FDIC
Holding company
Qnb Corp
Established
July 21, 1877
Headquarters
15 N 3rd St, Quakertown, PA 18951
Employees
239

Quick answers

QNB Bank: common questions

Is QNB Bank FDIC insured?

Yes. QNB Bank is an FDIC-insured institution (FDIC certificate #7714). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is QNB Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has QNB Bank ever failed?

There is no failure record for FDIC certificate #7714 in the FDIC failed bank list.

How many branches does QNB Bank have?

18 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Quakertown

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Lehigh County Employees Federal Credit UnionCredit union Allentown, PA96 out of 100, Very strong$33.1M15.7%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA95 out of 100, Very strong$11.7M20.9%0.09%vs
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
First National Bank and Trust Company of NewtownBank Newtown, PA87 out of 100, Very strong$1.2B12.9%0.00%vs