QNB is a small community bank holding company based in Quakertown, Pennsylvania, operating through its wholly-owned subsidiary, QNB Bank. QNB Bank runs twelve full-service branches across Bucks, Montgomery, and Lehigh counties in southeastern Pennsylvania, serving local residents and small businesses. QNB offers standard community banking products: checking, savings, money market accounts, CDs, IRAs, and an online savings account on the deposit side, and commercial loans, residential mortgages, and consumer loans on the lending side. QNB also deploys deposit funding not used for loans into investment securities. QNB's balance sheet at year-end 2025 consisted of roughly $1.3B in loans and $1.9B in total assets, funded primarily by $1.6B in deposits. Like all traditional banks, QNB earns its net interest margin — the spread between what it earns on loans and securities and what it pays depositors — as its primary source of profitability. Key earnings drivers include the interest rate environment, loan growth and mix (with higher-yielding commercial loans being more profitable), credit quality, and the cost of deposit funding. QNB also offers digital tools including mobile banking, online bill pay, and remote deposit capture. QNB is in the process of acquiring Victory Bancorp, a fellow Pennsylvania community bank, in a deal expected to close in Q2 2026.