| Metric | QNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +27.4% | +5.5% | +22.0 pts |
| Deposit growth (YoY) | +25.2% | +5.1% | +20.2 pts |
| Loan growth (YoY) | +40.8% | +5.9% | +34.9 pts |
| ROA | 0.81% | 1.26% | -0.4 pts |
| ROE | 10.0% | 12.2% | -2.2 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.37B | $2.07B | $1.70B | $209.8M | $8.3M | 0.81% | 3.40% | 0.44% |
| Q1 2026 | $1.90B | $1.66B | $1.27B | $145.8M | $3.8M | 0.79% | 3.05% | 0.51% |
| Q4 2025 | $1.88B | $1.64B | $1.25B | $145.3M | $18.2M | 0.97% | 3.02% | 0.47% |
| Q3 2025 | $1.88B | $1.68B | $1.24B | $137.5M | $12.8M | 0.91% | 2.93% | 0.48% |
| Q2 2025 | $1.86B | $1.65B | $1.21B | $129.5M | $8.0M | 0.86% | 2.88% | 0.48% |
| Q1 2025 | $1.87B | $1.67B | $1.20B | $124.9M | $3.3M | 0.71% | 2.75% | 0.46% |
| Q4 2024 | $1.85B | $1.63B | $1.21B | $120.6M | $12.2M | 0.69% | 2.58% | 0.11% |
| Q3 2024 | $1.82B | $1.63B | $1.16B | $123.3M | $8.5M | 0.65% | 2.54% | 0.09% |
Loan mix (Q2 2026): real estate $1.52B · commercial $165.3M · consumer $4.3M · securities $496.5M
| Ratio | QNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.2% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 59.0% | 80th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | QNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | QNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | QNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | QNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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