---
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"
generated_at: "2026-05-17T22:14:05.415768+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000128
- JSON: https://secwatch.observer/filing/0000927089-25-000128.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000128.txt

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