{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-25-000039","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2025-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.504762+00:00","generated_at":"2026-05-27T04:38:24.241603+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Quaint Oak Bancorp Q4 net income $1.6M, up 38.3% YoY; full-year $2.8M, up 38.4%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-25-000039","json":"https://secwatch.observer/filing/0000927089-25-000039.json","markdown":"https://secwatch.observer/filing/0000927089-25-000039.md","text":"https://secwatch.observer/filing/0000927089-25-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000039/0000927089-25-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000039/qnto20250130_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T04:38:24.241603+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"}