---
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"
generated_at: "2026-05-27T04:38:24.241603+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1391933/000092708925000039/0000927089-25-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1391933/000092708925000039/qnto20250130_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000039
- JSON: https://secwatch.observer/filing/0000927089-25-000039.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000039.txt

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