QNB Bank
QNB Bank is a 149-year-old Pennsylvania community bank offering deposit, lending, treasury management, and digital banking services to individuals, families, and small/mid-sized businesses through 14 branches across Bucks, Lehigh, and Montgomery counties under holding company QNB Corp. (OTCQX: QNBC).
- Company typePublic
- Founded1877
- HeadquartersQuakertown, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What QNB Bank does
QNB Bank, founded in 1877 and headquartered in Quakertown, Pennsylvania, is a 149-year-old community bank operating under bank holding company QNB Corp. (OTCQX: QNBC). The bank serves retail consumers, families, small and mid-sized businesses, and nonprofit organizations across southeastern Pennsylvania through 14 full-service branch offices in Bucks, Lehigh, and Montgomery counties following the 2026 integration of Victory Bancorp. Its core products span deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), lending (mortgages, home equity, auto, personal, commercial, SBA, construction), treasury and cash management (ACH origination, remote deposit capture, positive pay, sweep accounts, lockbox, merchant services), and digital banking channels (online, mobile, voice, and text banking). Card services and credit cards are issued through a partnership with Elan Financial Services, fraud protection includes QNB Patrol behavioral monitoring and Visa 3-D Secure, and large-deposit FDIC coverage is provided via IntraFi ICS/CDARS.
The bank earns revenue primarily through net interest income on loans and securities (Q1 2026 net interest margin of 2.82%, up from 2.51% a year earlier), supplemented by non-interest income from overdraft/NSF, wire, treasury management, merchant services, and loan origination fees. Distribution combines a multi-channel direct-to-consumer and community-led GTM motion: branch-based relationship banking supported by self-serve digital channels, inbound phone and live-chat support, and content/educational partnerships (KOFE financial education, Plaid for external transfers). Go-to-market is geographically concentrated in three Pennsylvania counties and targets the mass-affluent retail and small-business segments rather than large-corporate or institutional clients.
Capital structure and governance are oriented toward disciplined community-banking economics: a $40 million subordinated notes private placement completed in September 2024 funded the $41 million all-stock Victory Bancorp acquisition closed April 1, 2026, full systems integration completed June 22, 2026, and a multi-year leadership succession was announced with Chris Cattie named President effective November 1, 2026 and designated CEO successor upon Dave Freeman's planned retirement December 31, 2028. QNB has paid quarterly dividends for 29 consecutive years, with the most recent at $0.39 per share.
QNB Bank firmographics
Firmographics- Name
- QNB Bank
- Legal name
- QNB Corp.
- Website
- https://qnbbank.com
- Company type
- Public
- Founded year
- 1877
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- QNB Bank is a 149-year-old Pennsylvania community bank offering deposit, lending, treasury management, and digital banking services to individuals, families, and small/mid-sized businesses through 14 branches across Bucks, Lehigh, and Montgomery counties under holding company QNB Corp. (OTCQX: QNBC).
- Ownership category
- akta.pro rank
QNB Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
- akta.pro secondary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where QNB Bank is headquartered
LocationHeadquarters
- HQ city
- Quakertown
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
QNB Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Net Interest Income: Primary revenue source from interest earned on loans (mortgages, commercial loans, consumer loans, credit cards) minus interest paid on deposits. Represents the spread between interest earned on assets and interest paid on liabilities.
- Non-Interest Income / Fee Income: Revenue from various banking fees including overdraft/NSF fees, wire transfer fees, ATM fees, safe deposit box rentals, merchant services, and other service charges.
- Loan Origination Fees: Fees collected from loan origination activities including mortgage loans, commercial loans, and consumer loans.
- Deposit-Based Services: Revenue from HSA account fees, wire transfer services, international services, and cash management services for business customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | CD Rates: Range from 0.20% to 3.00% APY depending on term and deposit amount |
| Subscription | Monthly | Money Market Rates: 0.35%-3.30% APY based on balance tier |
| Subscription | Monthly | Consumer Loan Rates: Fixed and variable rate loans |
| Subscription | Monthly | QNB Rewards Checking: Interest-bearing with bonus rates for qualified activities |
| Subscription | Monthly | Business Checking: Multiple account types with analysis-based pricing |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels5 records
QNB Bank product offering
Product offeringCore offering
QNB Bank is a community bank offering personal and business deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), lending products (mortgages, home equity, auto, personal, commercial, SBA), payment cards (debit and Visa credit), and digital banking channels (online, mobile, voice, text). The bank operates 14 full-service branches across Bucks, Lehigh, and Montgomery counties in Pennsylvania, complemented by cash management services (ACH, Remote Deposit Capture, Positive Pay, BusinessManager) and fraud prevention tools.
Product overview
QNB Bank operates as a community bank offering a unified banking platform with integrated personal and business banking services. The core product portfolio spans deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), lending products (mortgages, home equity, auto loans, personal loans, business loans, SBA financing), and digital banking channels (online, mobile, voice, and text banking). The bank complements its core offerings with value-added services including fraud prevention tools, merchant services, cash management solutions, and financial education. The recent acquisition of Victory Bancorp in April 2026 expanded the branch network to 14 full-service offices across Bucks, Lehigh, and Montgomery Counties in Pennsylvania.
Differentiator
Problem solved
Functional benefit
Products and services
- QNB Rewards Checking Interest-bearing personal checking account that earns bonus interest rates and ATM fee refunds through qualifying activities including ACH auto debit/direct deposit, 12 or more QNB Debit Card purchases per cycle, and eStatements enrollment. No monthly fee or minimum balance required.
- Select 50 Checking Checking account designed for customers age 50 or over, offering free basic checks, fee-waived cashier checks and money orders, and 25% discount on safe deposit boxes.
- Personal Checking Basic personal checking account with no monthly fee, no minimum balance requirement, and no per-check charges for individuals seeking simple checking services.
- On Your Way Checking First checking account designed for young adults age 14-23, available at branch locations with access to KOFE financial education resources.
- Online eSavings Online savings account earning premium interest rate with eStatements enrollment, no minimum balance requirements, no monthly fees, and unlimited ATM and in-person withdrawals.
- Statement Savings Savings account offering statement savings interest rate with overdraft protection to a linked checking account. Avoids $2 monthly fee by maintaining a $100 minimum balance.
- Select Money Market Account Entry-level money market account with higher yield on savings, tiered balance structure, unlimited transactions including check writing, and overdraft protection to checking.
- Personal High Yield Money Market Account Highest-yielding tiered money market account designed for individuals maintaining high balances, with limited transaction access and debit card availability.
- Certificates of Deposit Variety of CD options including Growth CDs (minimum $500, compounded interest), Income CDs (minimum $5,000, simple interest), IRA CDs (minimum $100), and Flex12 CD (minimum $250, one penalty-free withdrawal, unlimited deposits).
- HSA Account Health Savings Account for individuals with High Deductible Health Plans, offering tax-free savings for medical expenses, rollover from year to year, and ownership portability between employers and health plans.
- Mortgage & Home Equity Center Mortgage lending services including fixed-rate and adjustable-rate mortgages, home equity loans and lines of credit, first-time homebuyer assistance, and the Housing Opportunity Program for low-to-moderate income borrowers.
- Auto & Personal Loans Vehicle financing for new and used vehicles, unsecured personal loans up to $10,000, overdraft and swing loans, and personal credit cards through Elan Financial Services.
- QNB Visa Credit Cards Visa credit cards issued by Elan Financial Services featuring EMV smart chip technology, mobile purchasing capability, zero fraud liability protection, and 24/7 cardmember service.
- QNB Online Banking 24/7 web-based account access enabling bill payment, fund transfers, external transfers via Plaid, account alerts, eStatements, stop payments, and address changes. Compatible with Chrome, Firefox, Safari, and Edge browsers.
- QNB Mobile Banking App Mobile banking application for iOS and Android offering mobile check deposit, biometric sign-in, balance viewing, external transfers, and bill payment. Requires iOS 17+ or Android 13+.
- QNB-Voice Banking 24-hour automated telephone banking system providing account balance inquiries, deposit and withdrawal history, fund transfers, check status verification, and loan payments without enrollment.
- QNB-Text Banking SMS-based text banking service for enrolled personal online banking customers enabling balance checks, transaction history, and fund transfers via text commands.
- Digital Wallet (Apple Pay, Google Pay, Samsung Pay) Digital payment services allowing QNB Debit Card holders to make contactless purchases in-store, online, and in-app using Apple Pay, Google Pay, or Samsung Pay on compatible devices.
- Wire Transfer Services Electronic domestic and international wire transfer services with SWIFT code QNABUS3Q and ABA/Routing number 031907790. International currency conversion services also available.
- ICS & CDARS IntraFi Cash Service (ICS) and CDARS providing access to FDIC insurance across multiple network banks for large deposits, enabling millions in aggregate coverage while maintaining a relationship with QNB Bank.
- Business Checking Business checking solutions including Small Business Checking (300 free items per month), Analysis Checking (with earnings credit available), Business Interest Checking (interest-earning with unlimited checks), and Community Service Checking for nonprofit organizations.
- Business Loans Commercial lending products including demand loans, lines of credit, term loans, commercial mortgages, construction financing, SBA Express loans, and international letters of credit.
- ACH Processing ACH origination services for payroll direct deposit, vendor payments, and consumer payments with multiple submission methods including QNB Online Banking, SmartPay ACH, and file upload options.
- Remote Deposit Capture Electronic check deposit service allowing business customers to scan and deposit checks remotely. Equipment options include Micro Scanner ($500 plus $10/month), 50 dpm Scanner ($800 plus $20/month), and 75 dpm Scanner ($800 plus $30/month).
- Positive Pay Fraud detection service for business accounts matching issued checks against presented items, reducing check fraud exposure. Service fee of $50 per account per month.
- BusinessManager Cash management platform providing comprehensive account management, reporting, and reconciliation tools for business banking customers.
- Merchant Services Payment processing services for business customers enabling acceptance of card payments at point of sale.
- QNB Visa Business Credit Cards Business credit cards issued through Elan Financial Services with options for low rates, cash back, or flexible rewards, featuring free online expense reporting and no fee for additional employee cards.
- Sweep Solutions Business Index Sweep (FDIC-insured tiered-rate money market sweep) and Line of Credit Sweep (advances funds or pays down line of credit) to efficiently manage operational cash needs.
- Fraud Prevention Services Comprehensive fraud protection including 24/7 automatic debit card monitoring, Visa 3-D Secure for online shopping, MyCardRules card management mobile app, and QNB Patrol real-time online banking session security.
- KOFE Financial Education Financial education platform partnership with Knowledge of Financial Education (KOFE) providing videos, eBooks, infographics, podcasts, and courses to support customer financial literacy at no cost.
Quantifiable outcome
- Net interest margin improved to 2.82% from 2.51% year-over-year in Q1 2026
- +2 more outcomes
Companies that use QNB Bank
Customer profileSegments5 records
Ideal customer profiles2 records
QNB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability4 records
Feature4 records
QNB Bank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- IntraFi (ICS & CDARS)coreQNB Bank participates in the IntraFi network, offering ICS (IntraFi Cash Service) and CDARS (Certificate of Deposit Account Registry Service) for large deposit insurance solutions. These services provide access to millions in aggregate FDIC insurance across network banks while maintaining the simplicity of working with a single local institution.
- PHEAA (PA Forward Student Loan Program)minorPartnership with Pennsylvania Higher Education Assistance Agency for the PA Forward Student Loan Program, offering private student loan options for Pennsylvania students pursuing higher education with benefits including no application fees, low fixed rates, and multiple repayment options.
- PlaidcoreQNB partnered with Plaid to provide external account linking and money transfer capabilities. Plaid's Instant Account Verification enables secure linking of bank accounts through the customer's other financial institution's online banking, with fallback to micro-deposit verification.
- KOFE (Knowledge of Financial Education)minorQNB Bank partnered with KOFE to provide comprehensive and accessible financial education at no cost to customers. The KOFE platform offers videos, eBooks, infographics, podcasts, and courses teaching personal finance through personal preferences.
- Elan Financial ServicescoreElan Financial Services provides credit card services for QNB Bank customers, issuing Visa credit cards with features including EMV chip technology, mobile purchasing capability, and zero fraud liability protection.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
QNB Bank competitors and assessment
Company assessmentDirect peers
- Tompkins Community Bank (Tompkins Financial): A community-focused bank holding company of comparable size (~$8B in assets) operating in the Northeast, with similar retail/commercial banking mix, branch-based distribution, and dividend-paying discipline. Both emphasize relationship banking and operate as community banks with public listings.
- S&T Bancorp: Pennsylvania-based community bank holding company with a similar mix of retail and commercial banking, multi-channel distribution (branches + digital), and a long-standing dividend track record. Operates within the same PA market footprint as QNB.
- Univest Financial Corporation: Pennsylvania-headquartered community bank with overlapping PA footprint in Bucks, Montgomery, and surrounding counties. Directly competes with QNB in retail deposits, mortgages, and small-business lending in the same southeastern PA market.
- Bryn Mawr Bank Corporation: Greater Philadelphia-area community bank holding company with a comparable mix of consumer and commercial banking, wealth management, and branch-based distribution. Operates in adjacent PA counties with similar community-banking positioning.
- ACNB Corporation: Pennsylvania-based community bank holding company of similar asset size (~$2.5B), focused on retail and commercial banking in south-central PA. Highly comparable scale, business mix, and dividend-paying discipline to QNB.
- First Keystone Corporation: Pennsylvania-based community bank holding company with a comparable retail/commercial banking model, branch network, and asset size. Operates as a publicly traded community bank serving individuals and small businesses in PA.
- Customers Bancorp: Pennsylvania-based bank holding company with a similar mix of commercial lending, SBA lending, and community banking services. Operates within the same PA market geography with overlapping commercial customer segments.
Broad incumbents
- Fulton Financial Corporation: A larger super-regional bank holding company (~$25B in assets) headquartered in Lancaster, PA, operating across PA, NJ, MD, DE, and VA. Larger scale allows broader product set and tech investment, but competes directly with QNB in southeastern PA retail and commercial banking.
- F.N.B. Corporation (First National Bank): A large PA-headquartered regional bank holding company (~$45B in assets) operating across the Mid-Atlantic and Southeast. Competes with QNB in retail deposits, mortgages, and commercial lending across southeastern PA but with substantially greater scale and product breadth.
Emerging players
- Mercury (Mercury Financial): A digital-native business banking platform targeting startups, ecommerce, and SMBs with treasury, ACH, wires, and integrations. Represents the fintech competitive threat to community banks like QNB for primary banking relationships, particularly in the small-business segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
QNB Bank social profiles
Digital presenceQNB Bank compliance and trust
Trust signalCompliance4 records
QNB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
QNB Bank leadership team
Management profileNumber of profiles
Profiles10 records
QNB Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
QNB Bank funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
QNB Bank M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about QNB Bank
What does QNB Bank do?
QNB Bank is a community bank offering personal and business deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), lending products (mortgages, home equity, auto, personal, commercial, SBA), payment cards (debit and Visa credit), and digital banking channels (online, mobile, voice, text). The bank operates 14 full-service branches across Bucks, Lehigh, and Montgomery counties in Pennsylvania, complemented by cash management services (ACH, Remote Deposit Capture, Positive Pay, BusinessManager) and fraud prevention tools.
Is QNB Bank a public or private company?
QNB Bank is a public company. It is classified as public and is currently operating.
When was QNB Bank founded?
QNB Bank was founded in 1877. It employs 251 to 500 people.
Where is QNB Bank based?
QNB Bank is headquartered in Quakertown, United States, in the North America region.
How does QNB Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income / Fee Income, loan Origination Fees and deposit-Based Services.
Who are QNB Bank's main competitors?
Direct peers on record are Tompkins Community Bank (Tompkins Financial), S&T Bancorp, Univest Financial Corporation, Bryn Mawr Bank Corporation, ACNB Corporation, First Keystone Corporation and Customers Bancorp. Broad incumbents are Fulton Financial Corporation and F.N.B. Corporation (First National Bank). Mercury (Mercury Financial) is listed as an emerging player.
Does QNB Bank have an API?
No public API is recorded for QNB Bank.
What industry is QNB Bank in?
QNB Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52211 and its SIC code is 6022.