---
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"
generated_at: "2026-05-31T13:43:49.621768+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Quaint Oak Bancorp Q2 net income falls 82.5% to $100k; NPLs rise to $8.7M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-24-000115
- JSON: https://secwatch.observer/filing/0000927089-24-000115.json
- Plain text: https://secwatch.observer/filing/0000927089-24-000115.txt

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