---
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"
generated_at: "2026-05-30T07:21:30.402059+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Quaint Oak Bancorp reports Q3 net income of $243k vs loss a year ago; 9-month income up 38.5%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-24-000153
- JSON: https://secwatch.observer/filing/0000927089-24-000153.json
- Plain text: https://secwatch.observer/filing/0000927089-24-000153.txt

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