Regional lender QNB's Q3 net income rises on higher interest margin

Overview * QNB Corp. 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