QNB Bank

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.

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

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

• Retail banking
• Community banking
• Commercial lending
• Digital banking
• Cash management

Headquarters

HQ city

Quakertown

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. 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.
2. 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.
3. Loan Origination Fees: Fees collected from loan origination activities including mortgage loans, commercial loans, and consumer loans.
4. Deposit-Based Services: Revenue from HSA account fees, wire transfer services, international services, and cash management services for business customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels5 records

Core 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

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• IntraFi (ICS & CDARS)coreTechnology or IntegrationQNB 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)minorGTM or Marketing PartnerPartnership 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.
• PlaidcoreTechnology or IntegrationQNB 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)minorStrategic or Co-development PartnerQNB 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 ServicescoreTechnology or IntegrationElan 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

Direct 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

• Xx.com/qnbbank
• Facebookfacebook.com/qnbbank
• LinkedInlinkedin.com/company/qnb-bank
• Instagraminstagram.com/qnbbank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about QNB Bank