{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-25-000054","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2025-02-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.505237+00:00","generated_at":"2026-05-26T05:39:42.170471+00:00","sec_items":["1.01","2.03","8.01","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Quaint Oak Bancorp issues $10M senior unsecured notes at 11% to repay maturing subordinated debt","bullets":["Issued $9.75M (plus $250k committed) of 11.00% Fixed Rate Senior Unsecured Notes due March 1, 2028.","Net proceeds to repay $14M of 8.5% Fixed Rate Subordinated Notes maturing March 15, 2025.","Notes rank pari passu with existing senior unsecured debt; unsecured and effectively subordinate to secured debt.","Piper Sandler & Co. served as exclusive placement agent.","Updated Risk Factors filed as Exhibit C, superseding those in 2023 10-K."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-25-000054","json":"https://secwatch.observer/filing/0000927089-25-000054.json","markdown":"https://secwatch.observer/filing/0000927089-25-000054.md","text":"https://secwatch.observer/filing/0000927089-25-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000054/0000927089-25-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000054/qnto20250221_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T05:39:42.170471+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"}