{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-25-000128","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2025-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.874399+00:00","generated_at":"2026-05-17T22:14:05.415768+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Quaint Oak Bancorp Q2 net income $272K vs $100K YoY; EPS $0.10 vs $0.04","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-25-000128","json":"https://secwatch.observer/filing/0000927089-25-000128.json","markdown":"https://secwatch.observer/filing/0000927089-25-000128.md","text":"https://secwatch.observer/filing/0000927089-25-000128.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000128/0000927089-25-000128-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000128/qnto20250730_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T22:14:05.415768+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"}