{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-23-000007","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2023-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.727572+00:00","generated_at":"2026-06-20T05:12:16.450707+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Quaint Oak Q4 net income falls 41.9% to $1.2M; FY net income up 22.8% to $7.9M","bullets":["Q4 net income $1.2M ($0.58 basic EPS) vs $2.1M ($1.04) a year ago; decrease driven by higher non-interest expense and lower non-interest income.","Full-year 2022 net income $7.9M ($3.85 basic EPS), up 22.8% from $6.4M ($3.21) in 2021; net interest income and non-interest income rose.","Total assets grew 43.0% to $792.4M; loans receivable net increased 53.9% and loans held for sale rose 23.6%.","Non-performing assets were 0.30% of total assets at Dec. 31, 2022; Texas ratio 3.93%; allowance for loan losses at 1.22%.","Quarterly cash dividend of $0.13/share declared, payable Feb. 6, 2023 to holders of record Jan. 23, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-23-000007","json":"https://secwatch.observer/filing/0000927089-23-000007.json","markdown":"https://secwatch.observer/filing/0000927089-23-000007.md","text":"https://secwatch.observer/filing/0000927089-23-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708923000007/0000927089-23-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708923000007/qnto20230131_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T05:12:16.450707+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"19fc0ef17d198a70496843b495ec3814927f6ccd","claim":"QUAINT OAK BANCORP, INC. reported the quarter ended December 31, 2022 results: net income $1.2 million, EPS $0.58 per basic and $0.56 per diluted share.","evidence_excerpt":"Net income for the quarter ended December 31, 2022 was $1.2 million, or $0.58 per basic and $0.56 per diluted share, compared to $2.1 million, or $1.04 per basic and $0.98 per diluted share for the same period in 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1391933/000092708923000007/0000927089-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$1.2 million"},{"label":"EPS","value":"$0.58 per basic and $0.56 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"93f71b65de85ba1c0542050df971040dd8fd10a9","claim":"QUAINT OAK BANCORP, INC. reported the year ended December 31, 2022 results: net income $7.9 million, EPS $3.85 per basic and $3.65 per diluted share.","evidence_excerpt":"Net income for the year ended December 31, 2022 was $7.9 million, or $3.85 per basic and $3.65 per diluted share, compared to $6.4 million, or $3.21 per basic and $3.06 per diluted share for the same period in 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1391933/000092708923000007/0000927089-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$7.9 million"},{"label":"EPS","value":"$3.85 per basic and $3.65 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}