Regulation FD Disclosure (Form 8-K)

BENEFICIAL OWNERSHIP OF DIRECTORS AND OFFICERS

Name of Beneficial Owner

Amount and Nature of
Beneficial Ownership (1)

Percentage of
Class (2)

Autumn R. Bayles

3,312

*

Laurie Bergman

2,192

*

Randy S. Bimes

268,683

(3)

4.30%

Kenneth F. Brown, Jr.

151,492

(4)

2.43%

Christopher T. Cattie

13,551

(5)

*

Courtney L. Covelens

10,180

(6)

*

David W. Freeman

39,713

(7)

*

Gerald E. Gorski

1,065

*

Kevin L. Johnson

20,124

(8)

*

Jeffrey Lehocky

8,467

(9)

*

Joseph W. Major

73,714

(10)

1.18%

Jennifer L. Mann

10,528

*

Christina S. McDonald

4,386

(11)

*

Scott G. Orzehoski

21,795

(12)

*

Ranajoy Ray-Chaudhuri

2,192

*

Randall E. Stauffer

1,020

*

Scott R. Stevenson

2,628

*

Current Directors, Nominees & Executive Officers as a Group (17 persons)

635,042

(13)

10.17%

* Less than 1.00%

(1)

The securities "beneficially owned" by an individual are determined in accordance with the definitions of "beneficial ownership" set forth in the rules of the SEC and may include securities owned by or for the individual's spouse and minor children and any other relative who has the same home, as well as securities as to which the individual has, or shares, voting or investment power or has the right to acquire beneficial ownership within 60 days after September 30, 2026. Beneficial ownership may be disclaimed as to certain of the securities.

(2)

Numbers are rounded to the nearest one-hundredth percent.

(3)

Includes 233,726 shares owned jointly by Dr. Bimes with his wife.

(4)

Includes 148,336 shares owned jointly by Mr. Brown with his wife.

(5)

Includes 7,660 options.

(6)

Includes 5,160 options.

(7)

Includes 3,500 options.

(8)

Includes 15,849 shares owned jointly by Mr. Johnson with his wife.

(9)

Includes 2,540 options.

(10)

Includes 36,176 shares owned jointly by Mr. Major with his wife and 2,750 shares owned by his wife.

(11)

Includes 2,660 options.

(12)

Includes 4,203 options.

(13)

The percentage ownership calculation is based upon an aggregate of 6,218,251 shares outstanding and the 25,723 options in the aggregate which are exercisable within 60 days of the record date.

SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS

The following table sets forth the names of each person who, directly or indirectly, are known to QNB's management to be the beneficial owners of at least 5% of QNB's outstanding common stock as of September 30, 2026. To our knowledge, except as noted below, no person or entity is the beneficial owner of more than 5% of the voting power of QNB's common stock.

Name and Address of Beneficial Owner

Number of Shares Owned

Percentage of
Class (1)

Mark T, Lynch
2900 Wayland Road
Berwyn, PA 19312

(2)

334,159

5.37%

Fourthstone LLC 575 Maryville Centre Dr., Suite 110 St. Louis, MO 63141

(3)

346,290

5.57%

(1)

The percentage ownership calculation is based upon an aggregate of 6,218,215 shares outstanding, and numbers are rounded to the nearest one-hundredth percent.

(2)

Information about Mr. Lynch is derived from Amendment No. 3 its Schedule 13G/A filed with the SEC on February 8, 2024.

(3)

Information about Fourthstone LLC and certain of its affiliates, including Fourthstone Master Opportunity Fund Ltd, Fourthstone GP LLC, Fourthstone QP Opportunity Fund LP, Fourthstone Small-Cap Financials Fund LP and L. Phillip Stone, IV, is derived from Amendment No. 2 to its Schedule 13G filed with the SEC on August 14, 2025.