Financial insights of QNBC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$2,765K
EPS
$0.73
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	18,626	18,375*	18,386	18,067
Taxable	3,143	3,685*	3,917	3,970
Tax-exempt	355	353*	353	355
Interest on interest-bearing balances and other interest income	352	286*	862	718
Total interest income	22,476	22,698*	23,518	23,110
Interest-bearing demand	1,994	2,382*	2,630	2,315
Money market	1,603	1,741*	1,852	1,862
Savings	903	891*	899	901
Time less than 100	1,327	1,491*	1,583	1,617
Time of 100 through 250	1,311	1,458*	1,545	1,542
Time greater than 250	530	522*	560	527
Interest on short-term borrowings	762	299*	514	689
Interest on long-term debt	0	222*	-	67
Interest on subordinated debt	937	938*	937	938
Total interest expense	9,367	9,942*	10,520	10,458
Net interest income	13,109	12,756*	12,998	12,652
Provision for credit losses	300	529*	93	-146
Net interest income after provision for credit losses	12,809	12,227*	12,905	12,798
Fees for services to customers	513	477*	521	485
Atm and debit card	741	742*	776	724
Retail brokerage and advisory	203	144*	196	140
Bank-owned life insurance	92	88*	86	81
Merchant	82	80*	79	82
Net loss on sale of loans	8	-4*	41	4
Other	162	184*	148	136
Total non-interest income	1,801	1,709*	1,847	1,652
Salaries and employee benefits	5,616	6,291*	5,248	5,251
Net occupancy	685	648*	569	546
Furniture and equipment	1,207	1,053*	1,119	1,135
Marketing	358	342*	214	250
Third party services	814	638*	833	788
Telephone, postage and supplies	123	141*	127	120
State taxes	205	176*	278	236
Fdic insurance premiums	192	265*	243	269
Merger-related expenses	888	-419*	519	-
Other	1,050	1,058*	1,032	967
Total non-interest expense	11,138	10,191*	10,182	9,562
Income before income taxes	3,472	3,744*	4,570	4,888
Provision for income taxes	707	950*	922	1,005
Net income	2,765	2,794	3,648	3,883

Basic EPS	0.74	0.752	0.98	1.05
Diluted EPS	0.73	0.75	0.98	1.04
Basic Average Shares	3,760,664	3,715,039	3,721,501	3,710,878
Diluted Average Shares	3,775,579	3,726,937	3,735,993	3,724,808

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$2,765K
EPS
$0.73
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$2,765K
EPS
$0.73
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$2,765KEPS$0.73Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$2,765KEPS$0.73Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$2,765K
EPS
$0.73
Unit: Thousand (K) dollars

Net Income
$2,765K
EPS
$0.73
Unit: Thousand (K) dollars