QNB Bank

QNB Bank Locations
P.O. Box 9005
Quakertown, PA 18951
1-800-491-9070
www.qnb.com
The goal at QNB is to be viewed as “QNB - Your Community Bank,” today, tomorrow and into the future.

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3.25% Reward Checking Account and 1.85% Online Savings Account at QNB Bank in PA - Local Only - 10/12/2009

QNB Bank is offering a high-yield reward checking account called Free eRewards Checking. The account has the following rates and features if certain monthly requirements are met:3.25% APY on balances up to $25,0001.01% APY on portion of balance over...



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See Rates for: Checking | Savings | Money Market | CD

QNB Bank Checking Account Rates

ApyMinMaxProduct
1.25%-$25kQNB-Rewards Checking - Qualifying
0.15%$5k-Health Savings Account
0.15%--QNB-Rewards Checking - Non Qualifying
0.05%--Interest Checking

QNB Bank Savings Account Rates

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0.90%--Online eSavings
0.15%--Statement Savings
0.15%--EZ Saver

QNB Bank Money Market Rates

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0.40%$75k-Select Money Market

QNB Bank CD Rates

ApyMinMaxProduct
1.85%$100k-60 Month Growth CD
1.85%$100k-60 Month Growth CD Special
1.83%$100k-60 Month Income CD
1.83%$100k-60 Month Income CD Special
1.31%$100k-48 - 59 Month Growth CD
1.30%$100k-48 - 59 Month Income CD
1.15%$100k-36 - 47 Month Growth CD
1.14%$100k-36 - 47 Month Income CD
0.80%$500-15 Month Growth CD Special
0.80%$500-15 Month Income CD Special
0.75%$500-24 - 35 Month Growth CD
0.75%$500-24 - 35 Month Income CD
0.65%$100k-18 - 23 Month Growth CD
0.65%$100k-18 - 23 Month Income CD
0.55%$100k-12 - 17 Month Growth CD
0.55%$100k-12 - 17 Month Income CD
0.45%$500-12 Month Flex-12 Growth CD
0.45%$100k-12 Month Flex-12 Growth CD
0.45%$100k-12 Month Flex-12 IncomeCD
0.35%$100k-6 - 11 Month Growth CD
0.35%$100k-6 - 11 Month Income CD
0.30%$100k-3 - 5 Month Growth CD
0.30%$100k-3 - 5 Month Income CD
0.20%$100k-60 - 89 Day Growth CD
0.20%$100k-60 - 89 Day Income CD
0.15%$100k-30 - 59 Day Growth CD
0.15%$100k-30 - 59 Day Income CD

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


QNB Bank
FDIC Certificate #7714
BankRate ReportView
Year Established1877
Employees168
Primary RegulatorFDIC

Assets and Liabilities

Assets$871.43 million
Loans$464.11 million
Deposits$757.14 million
Equity Capital$65.44 million
Loan Loss Allowance$8.87 million
Unbacked Noncurrent Loans$19.31 million
Real Estate Owned$864,000

Historic Data - September 2010

Assets$787.61 million
Equity Capital$58.81 million
Loan Loss Allowance$8.13 million
Unbacked Noncurrent Loans$8.29 million

Profit Margin - Quarterly

Net Interest Margin3.54%
Return on Assets1.13%
Return on Equity15.49%
Interest Income$27.30 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 QNB Bank had $20.17 million in non-current loans and owned real-estate with $74.31 million in equity and loan loss allowances on hand to cover it. This gives QNB Bank a Texas Ratio of 27.14% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for QNB Bank increased slightly from 12.39% as of September 30, 2010 to 27.14% as of September 30, 2011, resulting in a negative change of 119.11%. This indicates that the balance sheet and financial strength for QNB Bank has declined slightly in recent periods.
Deposit Growth5
In the past year, QNB Bank has increased its total deposits by $82.89 million, resulting in 12.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth QNB Bank has shown is excellent.
Capitalization3
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. QNB Bank has $871.43 million in assets with $74.31 million in equity, resulting in a capitalization level of 8.53%, which is average.
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