Welcome to our dedicated page for QUAINT OAK BANCORP SEC filings (Ticker: QNTO), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Quaint Oak Bancorp, Inc. filings document formal disclosures for a bank holding company whose wholly owned subsidiary is Quaint Oak Bank. Recent Form 8-K reports cover results of operations, financial condition, quarterly cash dividends, bank regulatory matters, and amendments to the company’s bylaws, including provisions for book-entry shares.
The company’s proxy materials describe annual shareholder meeting matters, board governance, executive compensation and equity-related disclosures. Regulatory filings also record the termination of prior consent orders involving the Bank’s Bank Secrecy Act compliance program, along with related compliance, financial crime management and third-party risk oversight disclosures.
Quaint Oak Bancorp, Inc. reported higher profitability for the six months ended June 30, 2026. Net income rose to $647 thousand from $189 thousand a year earlier, and basic EPS increased to $0.24 from $0.07. For the quarter, net income was $481 thousand versus $272 thousand in 2025, with basic EPS of $0.18.
Total assets were $630.3 million at June 30, 2026, down from $675.9 million at December 31, 2025, as loans receivable declined to $527.2 million and deposits fell to $550.8 million from $597.3 million. Net interest income for the six months improved to $9.3 million from $8.6 million, while non-interest income grew to $4.1 million, driven by gains on loan and SBA loan sales. Non-performing loans increased to $9.8 million from $7.3 million, and the allowance for credit losses rose modestly to $6.4 million. Operating cash flow strengthened significantly to $21.4 million from $7.4 million, and stockholders’ equity edged up to $53.0 million, with book value per share of $19.98.
Quaint Oak Bancorp, Inc. director and President William R. Gonzalez reported an open-market purchase of 489 shares of Common Stock on August 6, 2026 at $14.25 per share through a 401(k) Plan, bringing that indirect 401(k) holding to 19,283.1200 shares. He also reports direct ownership of 16,054.0000 shares of Common Stock, as well as indirect holdings of 13,090.8859 shares through an ESOP and 1,203.1249 shares through his spouse’s ESOP. In addition, he holds employee stock options over 11,220, 7,000, and 15,000 shares of Common Stock at exercise prices of $13.30, $10.15, and $18.00, respectively, with vesting terms described in the company’s 2023 Stock Incentive Plan.
Quaint Oak Bancorp reported stronger profitability for the quarter and six months ended June 30, 2026. Net income was $481,000, or $0.18 per share, up from $272,000, or $0.10, a year earlier, while year-to-date net income rose to $647,000 from $189,000.
Results were driven mainly by a $760,000 quarterly decrease in interest expense, elimination of Federal Home Loan Bank borrowings, and higher non-interest income from loan sales and servicing, partly offset by lower interest and dividend income and modestly higher operating costs. Net interest margin improved to 2.93% and the efficiency ratio to 82.08%. Total assets declined to $630.3 million and deposits to $550.8 million as loans held for sale and loans receivable contracted. Credit quality remains manageable but weaker, with non-performing assets rising to $10.3 million, or 1.64% of assets, and non-performing loans at 1.88% of loans receivable, net.
Quaint Oak Bancorp, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.04 per share on its common stock on July 15, 2026.
The dividend is payable on August 10, 2026 to shareholders of record as of July 27, 2026. Quaint Oak Bancorp is the holding company for Quaint Oak Bank and several multi-state financial services subsidiaries.
Quaint Oak Bancorp director James J. Clarke reported buying additional shares of Common Stock. On May 26, 2026, he completed an open-market purchase of 200 shares of Common Stock at $17.35 per share, bringing his directly held Common Stock position to 70,990 shares.
This total includes 400 unvested shares granted under the 2023 Stock Incentive Plan and 36,150 shares held jointly with his spouse. Clarke also holds a stock option covering 5,000 shares of Common Stock at an exercise price of $18.00 per share, expiring on May 10, 2033, vesting 20% per year beginning May 10, 2024.
Quaint Oak Bancorp, Inc. reported the results of its Annual Meeting of Shareholders held on May 13, 2026. Shareholders elected three directors, James J. Clarke, Ph.D., William R. Gonzalez, MBA, and Susan M. Vettori, each to serve a three-year term expiring in 2029.
Out of 2,640,997 common shares eligible to vote, 1,603,847 were represented in person or by proxy, establishing a quorum. Shareholders also approved the ratification of S.R. Snodgrass, P.C. as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2026.
Quaint Oak Bancorp, Inc. reported net income of $166,000 for the three months ended March 31, 2026, compared with a net loss of $83,000 a year earlier. Basic and diluted earnings per share were $0.06, versus a loss of $0.03 per share in the prior-year quarter.
Total assets were $643.2 million at March 31, 2026, down from $675.9 million at December 31, 2025, mainly from lower loans receivable, loans held for sale, and cash. Net loans were $526.4 million, and deposits totaled $565.4 million, down from $597.3 million.
Net interest income rose to $4.7 million from $4.1 million, while the provision for credit losses declined to $96,000 from $441,000. Non-interest income was $1.8 million, and non-interest expense increased to $6.1 million. Non-performing loans were $9.9 million, and the allowance for credit losses was $6.2 million.
Quaint Oak Bancorp EVP and Corporate Secretary Aimee K. Ott reported an automatic share disposition tied to tax obligations rather than an open-market trade. On May 10, 2026, 304 shares of common stock were delivered at $17.54 per share to satisfy tax due on a distribution from a stock benefit plan.
After this transaction, Ott directly held 12,485 shares of common stock. She also had indirect holdings of 5,282.8622 shares through an ESOP account and 5,357.1370 shares through the company 401(k) plan. In addition, she retained employee stock options covering 8,136 shares at $13.30 expiring in 2028, 15,000 shares at $18.00 expiring in 2033, and 6,000 shares at $10.15 expiring in 2035, all for common stock.
QUAINT OAK BANCORP, INC. President William R. Gonzalez reported a routine tax-related share disposition. On May 10, 2026, 304 shares of common stock were withheld at $17.54 per share to cover tax obligations on a distribution from a stock benefit plan.
After this withholding, he directly holds 16,054 common shares, which include awards granted under the 2023 Stock Incentive Plan that vest 20% per year beginning on May 10, 2024 and September 5, 2026. He also has indirect holdings through a 401(k) Plan and ESOP accounts for himself and his spouse, reflecting shares accumulated since the last Form 4.
Gonzalez continues to hold employee stock options over 15,000 shares at $18.00 expiring in 2033, 7,000 shares at $10.15 expiring in 2035, and 11,220 shares at $13.30 expiring in 2028, providing significant ongoing equity exposure.
Quaint Oak Bancorp, Inc. reported a return to profitability for the quarter ended March 31, 2026, with net income of $166,000, or $0.06 per basic and diluted share, compared to a net loss of $83,000, or $(0.03) per share, a year earlier.
Results were driven by a $580,000 decrease in interest expense, a $345,000 net reduction in provision for credit losses, and a $53,000 increase in non-interest income, partly offset by a $580,000 rise in non-interest expense and higher income taxes. The average interest rate spread improved from 2.13% to 2.26%, and net interest margin rose from 2.63% to 2.90%, reflecting better funding costs and asset mix.
Total assets fell to $643.2 million from $675.9 million at December 31, 2025, mainly due to lower loans and loans held for sale, while deposits declined to $565.4 million. Asset quality weakened as non-performing loans increased to $9.9 million, or 1.87% of total loans receivable, net, and the Texas Ratio rose to 15.87%. During the quarter, the company also received notice that its previously disclosed regulatory consent order was lifted after completion of remediation efforts.