QNB Bank: how it compares with its peers
Against 23 PA banks with half to twice its assets, QNB Bank's strongest measure in Q2 2026 is assets per employee ($9.9M vs. a $7.9M peer median). Its weakest relative measure is return on assets (0.81% vs. 1.13%).
| Measure | QNB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.13% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.40% | 3.69% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.59% | 60.29% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $7.9M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.33% | 84.89% | Context |
What it means for lending operations
Its efficiency ratio of 70.59% is above the 60.29% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Ephrata National Bank Ephrata, PA · $2.39B
- Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA · $2.34B
- Somerset Trust Company Somerset, PA · $2.47B
- Meridian Bank Wayne, PA · $2.59B
- Kish Bank Belleville, PA · $2.08B
- Bank of Bird-in-Hand Bird In Hand, PA · $1.91B
Questions about QNB Bank
How big is QNB Bank?
QNB Bank, established in 1877, is headquartered in Quakertown, PA. It reported $2.37B in total assets in its Q2 2026 FDIC call report and operates 18 offices.
What is QNB Bank's return on assets?
0.81% annualized in Q2 2026, against a 1.13% median for 23 PA banks with half to twice its assets, ahead of 17% of them.
What is QNB Bank's efficiency ratio?
70.59% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 60.29%, and lower is better.
Is QNB Bank growing its loans?
Net loans grew 40.8% over the year to Q2 2026, while deposits grew 25.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.