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QNB Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 18, 2026
QNB Bank's 6-Months 6-Month Growth CD rates are at 3.00%, 6-Months 6-Month Minimum Growth CD rates are at 3.00%, 6-Months 6-Month QuiNBy's CDs rates are at 3.00%, 6-Months 6-Month Income CD rates are at 2.96%, 6-Months 6-Month Minimum Income CD rates are at 2.96%. QNB Bank's savings rates are at 0.10%. QNB Bank's money market rates are at 0.01%. QNB Bank's Personal Loan Rates are as low as 11.00%. MonitorBankRates evaluates the financial stability of QNB Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.97%. Rates last updated and verified on 09/18/2026.
QNB Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at QNB Bank? Share your experience about QNB Bank by leaving a review below, or read customer reviews before you decide to use QNB Bank.
QNB Bank has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
QNB Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.97%
ExcellentLower than avg
QNB Bank Texas Ratio
QNB Bank's Texas Ratio is 4.97%, which is considered excellent and is lower than the national average of 5.85%.
QNB Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.11% to 4.97% over 12 quarters, very strongFull history
Star Rating 1.7 to 5.0, Health Grade D to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Equity Choice - Home Equity Line of Credit - Interest Only
-
-
7.00%
10 Year Draw Period
DetailsMaximum Loan-to-Value: 80%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Fixed Rate Home Equity
-
-
7.00%
61 - 84 months
DetailsMaximum Loan-to-Value: 80%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Fixed Rate Home Equity
-
-
7.00%
121 - 180 months
DetailsMaximum Loan-to-Value: 80%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Fixed Rate Home Equity
-
-
7.25%
85 - 120 months
DetailsMaximum Loan-to-Value: 80%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Equity Choice - Home Equity Line of Credit - Interest Only
-
-
7.50%
DetailsEquity Choice is a variable rate line of credit secured by your primary residence. Subject to credit approval and other factors. No annual fee. Property insurance is, and flood insurance may be, required. If only minimum periodic payments are made during the 10-year draw period, the outstanding balance will be paid during the repayment period. The repayment period is 180 months with payments due monthly equal to 1/180th of the principal balance outstanding at the end of the draw period, plus finance charges that accrued on the outstanding balance during the billing cycle. Borrower must pay mortgage satisfaction fees at loan termination. The maximum APR is 18%. The Annual Percentage Rate may vary. APR based on the Prime Rate as published in "The Wall Street Journal" - currently 7.00% APR with automatic payment from a QNB checking or savings account, 7.50% APR without automatic payment. For a payment example, use the Loan Calculator and enter your selected dollar amount, term and Annual Percentage Rate.
DetailsAPR w/o Auto Deduct: 10.00%; Maximum Loan-to-Value: 65%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Business Index Sweep
1.84%
-
1.85%
Min Balance$0
DetailsBalance: $0.01 - $499,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Business Index Sweep
2.33%
-
2.35%
Min Balance$500,000
DetailsBalance: $500,000 - $1,499,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Business Index Sweep
2.81%
-
2.85%
Min Balance$1,500,000
DetailsBalance: $1,500,000 - $2,999,999.99
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Business Index Sweep
3.30%
-
3.35%
Min Balance$3,000,000
DetailsBalance: $3,000,000 and over
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.97%
Financial Health History
QNB Bank’s Texas Ratio rose from 3.11% in Q3 2023 to 4.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.7 to 5.0 and its Health Grade from D to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$2.4B
4.97%
5.0
A+
March 31, 2026
$1.9B
6.59%
5.0
A
December 31, 2025
$1.9B
6.05%
5.0
A
September 30, 2025
$1.9B
6.50%
5.0
A
June 30, 2025
$1.9B
6.91%
5.0
A
March 31, 2025
$1.9B
6.93%
4.7
A
December 31, 2024
$1.8B
1.64%
4.5
A
September 30, 2024
$1.8B
1.38%
4.8
A
June 30, 2024
$1.7B
2.50%
2.8
C
March 31, 2024
$1.7B
2.51%
2.7
C
December 31, 2023
$1.7B
2.51%
2.6
C
September 30, 2023
$1.7B
3.11%
1.7
D
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for QNB Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather QNB Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with QNB Bank's official website for the most current offers and terms.
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for QNB Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About QNB Bank
How many branches does QNB Bank operate?
QNB Bank currently maintains approximately 18 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, QNB Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, QNB Bank provides members with tools to manage their accounts and build a solid financial history.
Does QNB Bank offer online and mobile banking?
Most modern institutions like QNB Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.qnbbank.com.
Current QNB Bank Rates
12-Month CD0.25%
18-Month CD2.47%
24-Month CD2.23%
36-Month CD0.99%
48-Month CD1.09%
60-Month CD1.24%
Savings0.10%
MMA0.01%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
