---
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"
generated_at: "2026-06-20T05:12:16.450707+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Quaint Oak Q4 net income falls 41.9% to $1.2M; FY net income up 22.8% to $7.9M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-23-000007
- JSON: https://secwatch.observer/filing/0000927089-23-000007.json
- Plain text: https://secwatch.observer/filing/0000927089-23-000007.txt

## Key facts
- Earnings Releases
  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.
  - Period: the quarter ended December 31, 2022
  - Net income: $1.2 million
  - EPS: $0.58 per basic and $0.56 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1391933/000092708923000007/0000927089-23-000007-index.htm
- Earnings Releases
  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.
  - Period: the year ended December 31, 2022
  - Net income: $7.9 million
  - EPS: $3.85 per basic and $3.65 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1391933/000092708923000007/0000927089-23-000007-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.