{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-24-000024","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2024-02-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.031723+00:00","generated_at":"2026-06-06T10:51:54.530431+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Quaint Oak Bancorp Q4 net income $1.1M; full-year 2023 net income drops 74.3% to $2.0M","bullets":["Q4 2023 net income $1.1M ($0.49/sh) vs $1.2M ($0.58/sh) in Q4 2022.","Full-year 2023 net income $2.0M ($0.90/sh) vs $7.9M ($3.85/sh) in 2022; decrease of 74.3%.","Net interest margin narrowed to 2.39% for 2023 from 3.56% in 2022 due to higher deposit costs.","Cash and cash equivalents increased $58.2M; FHLB borrowings reduced by $130.2M; deposits up $82.5M.","Board declared $0.13/sh dividend payable Feb 5, 2024; nonperforming loans at 0.07% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-24-000024","json":"https://secwatch.observer/filing/0000927089-24-000024.json","markdown":"https://secwatch.observer/filing/0000927089-24-000024.md","text":"https://secwatch.observer/filing/0000927089-24-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708924000024/0000927089-24-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708924000024/qnto20240131_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T10:51:54.530431+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":"5c0cc83a5e0427be608aebb079c31bf10ac8d875","claim":"QUAINT OAK BANCORP, INC. reported the year ended December 31, 2023 results: net income $2.0 million, EPS $0.90 per basic and $0.89 per diluted share.","evidence_excerpt":"Net income for the year ended December 31, 2023 was $2.0 million, or $0.90 per basic and $0.89 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1391933/000092708924000024/0000927089-24-000024-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$2.0 million"},{"label":"EPS","value":"$0.90 per basic and $0.89 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"ce2bd8e0b56aba64111d499e8ccc752d5a1a5cdc","claim":"QUAINT OAK BANCORP, INC. reported the quarter ended December 31, 2023 results: net income $1.1 million, EPS $0.49 per basic and diluted share.","evidence_excerpt":"Quaint Oak Bancorp, Inc. (the “Company”) (OTCQB: QNTO), the holding company for Quaint Oak Bank (the “Bank”), announced today net income for the quarter ended December 31, 2023 of $1.1 million, or $0.49 per basic and diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1391933/000092708924000024/0000927089-24-000024-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$1.1 million"},{"label":"EPS","value":"$0.49 per basic and 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"}