Quaint Oak Bancorp Q4 net income $1.6M, up 38.3% YoY; full-year $2.8M, up 38.4%

QUAINT OAK BANCORP, INC.

2024-FY EPS reported $1.08

Q4 2024 EPS $0.60 vs $0.49 in Q4 2023; full-year EPS $1.08 vs $0.90.
Non-interest income rose $1.8M in Q4, driven by a $1.5M gain on sale-leaseback of Allentown property.
Non-performing loans at 1.07% of total loans; allowance for credit losses increased to 1.20%.
Total assets fell 9.1% to $685.2M; deposits decreased $78.4M; FHLB borrowings rose 64.9%.
Board declared $0.13 per share dividend payable Feb 10, 2025; risk-based capital ratio 14.34%.

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