{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-24-000153","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2024-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.323377+00:00","generated_at":"2026-05-30T07:21:30.402059+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Quaint Oak Bancorp reports Q3 net income of $243k vs loss a year ago; 9-month income up 38.5%","bullets":["Q3 2024 net income $243k ($0.09/share) vs net loss of $255k (-$0.11) in Q3 2023; 9-month net income $1.2M, up 38.5% YoY.","Non-interest income increased 78.4% YoY to $5.5M (9-mo), driven by $1.4M gain on sale of Oakmont Capital Holdings.","Total assets $701.6M, down 7% from Dec 2023; loans receivable net decreased $70.4M (11.4%).","Allowance for credit losses increased to 1.24% of loans (1.11% at Dec 2023); non-performing loans at 0.99% of loans.","Dividend of $0.13/share declared, payable Nov 12, 2024 to holders of record Oct 28, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-24-000153","json":"https://secwatch.observer/filing/0000927089-24-000153.json","markdown":"https://secwatch.observer/filing/0000927089-24-000153.md","text":"https://secwatch.observer/filing/0000927089-24-000153.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708924000153/0000927089-24-000153-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708924000153/qnto20241030_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T07:21:30.402059+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"}