{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-24-000115","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2024-08-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.880801+00:00","generated_at":"2026-05-31T13:43:49.621768+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Quaint Oak Bancorp Q2 net income falls 82.5% to $100k; NPLs rise to $8.7M","bullets":["Net income of $100k ($0.04/sh) vs $570k ($0.25/sh) in Q2 2023, down 82.5%.","Total assets decreased $52.2M (6.9%) to $701.9M; loans held for sale down 72.4%.","Provision for credit losses increased $148k (78.3%) to $337k; NPLs rose to $8.7M (1.46% of loans).","Net interest margin compressed from 2.65% to 2.28% YoY; margin compression cited as headwind.","Dividend of $0.13/sh declared payable Aug 5, 2024; two private placements raised $2.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-24-000115","json":"https://secwatch.observer/filing/0000927089-24-000115.json","markdown":"https://secwatch.observer/filing/0000927089-24-000115.md","text":"https://secwatch.observer/filing/0000927089-24-000115.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708924000115/0000927089-24-000115-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708924000115/qnto20240731_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T13:43:49.621768+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}