secwatch.observer — SEC 8-K summary
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Issuer:     QUAINT OAK BANCORP, INC. (QNTO)
CIK:        0001391933
Form:       8-K
Filed at:   2025-01-31T23:59:59+00:00
Accession:  0000927089-25-000039
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1391933/000092708925000039/0000927089-25-000039-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1391933/000092708925000039/qnto20250130_8k.htm
  HTML page:      https://secwatch.observer/filing/0000927089-25-000039

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer