Overview

* QNB Corp. ( QNBC ) Q3 net income rises to $3.65 mln, impacted by merger-related costs

* Company announces merger with Victory Bancorp, expected to close by early 2026

* Net interest income for Q3 2025 increases by $1.87 mln year-over-year

Outlook

* QNB expects merger with Victory Bancorp to close in Q4 2025 or Q1 2026

Result Drivers

* INTEREST MARGIN IMPROVEMENT - QNB attributes increased net interest income to improved interest margins and higher yields on corporate debt securities

* LOAN AND DEPOSIT GROWTH - Increase in commercial real estate loans and deposit balances contributed to higher net interest income

* CREDIT LOSS PROVISION REDUCTION - Reduction in provision for credit losses positively impacted QNB's Q3 results

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Net $3.64

Income mln

Q3 Net $12.99

Interest mln

Income

Q3 Net 2.72%

Interest

Margin

Q3 $4.57

Pretax mln

Profit

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)