Quaint Oak Bancorp Q2 net income $272K vs $100K YoY; EPS $0.10 vs $0.04

QUAINT OAK BANCORP, INC.

2025-Q2 EPS reported $0.07

Net income of $272K for Q2 2025, up 172% from $100K in Q2 2024; diluted EPS $0.10.
Six-month net income $189K, down 80.6% from $973K in prior-year period.
Non-performing assets/total assets at 0.89%; NPL ratio 1.10%; Texas ratio 9.24% as of June 30.
Total assets $670.8M, down 2.1% from Dec 2024; deposits decreased $21.1M (3.8%).
Issued $10M Senior Notes at 11% due 2028; repaid $14M subordinated notes due March 2025.

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