QNB Bank

15 North Third Street
Quakertown, PA 18951


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7714
Date Established 1877
Assets $1.17 billion
Loans $0.78 billion
Deposits $1.02 billion
Capital $0.09 billion

QNB Bank is an FDIC insured institution located in Quakertown, PA. It was founded in 1877 and has approximately $1.17 billion in assets. Customers can open an account at one of its 14 branches.

For a more detailed analysis of QNB Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in QNB Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, QNB Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.95
Credit Card Loans 0.00
Consumer Auto Loans 0.18
Small Business Loans 10.38
Construction and Development Loans 7.00
Commercial Real Estate 35.82
Commercial and Industrial Loans 20.76
Farm Loans 0.02

Deposit Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.20% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.25% $100,000 - Learn MoreShow Less
6 Mo CD
0.25% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.30% $100,000 - Learn MoreShow Less
12 Mo CD
0.35% $500 $99,999 Learn MoreShow Less
12 Mo CD
0.40% $100,000 - Learn MoreShow Less
18 Mo CD
0.50% $500 $99,999 Learn MoreShow Less
18 Mo CD
0.55% $100,000 - Learn MoreShow Less
24 Mo CD
0.65% $500 $99,999 Learn MoreShow Less
24 Mo CD
0.70% $100,000 - Learn MoreShow Less
30 Mo CD
0.65% $500 $99,999 Learn MoreShow Less
36 Mo CD
0.75% $500 $99,999 Learn MoreShow Less
36 Mo CD
0.80% $100,000 - Learn MoreShow Less
48 Mo CD
1.20% $500 $99,999 Learn MoreShow Less
48 Mo CD
1.25% $100,000 - Learn MoreShow Less
60 Mo CD
1.85% $500 $99,999 Learn MoreShow Less
60 Mo CD
1.85% $100,000 - Learn MoreShow Less

Fixed IRA
0.35% $500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $25 - Learn MoreShow Less

Loan Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for QNB Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to QNB Bank
To upload and update your bank's rates please register. It is free to register and add rates.


QNB Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

QNB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of QNB Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
QNB Bank U.S. Bank Average
7.24% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, QNB Bank had $7,478,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $94,477,000 in equity and $8,834,000 in loans loss reserves. That gives it a Texas Ratio of 7.24%.

Return on Equity
QNB Bank U.S. Bank Average
13.11% 8.80%

QNB Bank has a Return on Equity of 13.11% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

QNB Bank U.S. Bank Average
8.11% 12.29%

QNB Bank has a Capitalization of 8.11% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

QNB Bank Balance Sheet Analysis

As of December 31, 2018, QNB Bank had assets of $1,165,582,000, loans of $776,614,000, and deposits of $1,015,598,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.34 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.78 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $1.07 billion
Total deposits $1.02 billion
      Interest-bearing deposits $0.89 billion
      Deposits held in domestic offices $1.02 billion
      % insured (estimated) 66.68%
Federal funds purchased and repurchase agreements $0.05 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $1.07 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.04 billion
Total Interest Expense $0.01 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Qnb Bank

Branches and Savings

Is Qnb Bank FDIC insured?

Yes. It is covered under FDIC Certificate #7714.

Why does Qnb Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Qnb Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Qnb Bank a commercial bank?


Where are Qnb Bank locations?

See branch locations nearby.

Is Qnb Bank open on Saturdays?

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Does Qnb Bank offer mortgages?

Compare mortgage rates here.

Does Qnb Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Qnb Bank offer personal loans?

Compare personal loan rates here.

Does Qnb Bank offer student loans?

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Background on The Bank

Who owns Qnb Bank?

How long has Qnb Bank been around?

Can Qnb Bank transfer to other banks?

Does Qnb Bank have quick pay?

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Where is Qnb Bank headquarters?

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