{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-25-000086","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2025-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.143113+00:00","generated_at":"2026-05-23T00:04:31.082345+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Quaint Oak Bancorp reports Q1 net loss of $83,000 vs. $873K profit in prior year","bullets":["Net loss of $83,000 or ($0.03) per share vs. net income of $873,000 ($0.36) in Q1 2024.","Net interest margin fell to 2.63% from 2.96%; loan portfolio average balance decreased $69.8M.","Issued $10M in 11% senior notes due 2028; used proceeds to repay $14M subordinated notes.","Non-performing loans slightly increased to $5.9M (1.13% of loans) from $5.7M at Dec 2024.","Total deposits decreased $45.7M to $507.6M, primarily from exiting a correspondent banking relationship."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-25-000086","json":"https://secwatch.observer/filing/0000927089-25-000086.json","markdown":"https://secwatch.observer/filing/0000927089-25-000086.md","text":"https://secwatch.observer/filing/0000927089-25-000086.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000086/0000927089-25-000086-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000086/qnto20250501_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T00:04:31.082345+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"}