Every 10-Q that QUAINT OAK BANCORP INC (QNTO) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow QNTO and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full QNTO filings page.
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. 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 (QNTO) reported a small Q3 2025 net loss from continuing operations of $41,000, or EPS $(0.02). For the first nine months, net income from continuing operations was $148,000 with EPS of $0.06.
Total assets were $677.1 million at September 30, 2025, compared with $685.2 million at December 31, 2024. Deposits totaled $554.2 million, including $76.1 million non‑interest bearing. Loans receivable, net, were $547.1 million with an allowance for credit losses of $6.492 million.
Q3 net interest income was $4.394 million, slightly above last year, while non‑interest income rose to $1.748 million and non‑interest expense increased to $5.728 million. Book value per share was $19.79. The company reported senior debt of $9.575 million and subordinated debt of $8.0 million, down from $22.0 million at year‑end. Deposit concentrations included five brokered checking customers representing about 7.4% of total deposits (about $40.9 million) and one money market customer at 6.3% (about $35.0 million) as of September 30, 2025.