---
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"
generated_at: "2026-05-23T00:04:31.082345+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Quaint Oak Bancorp reports Q1 net loss of $83,000 vs. $873K profit in prior year

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000086
- JSON: https://secwatch.observer/filing/0000927089-25-000086.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000086.txt

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