secwatch.observer — SEC 8-K summary
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Issuer:     QUAINT OAK BANCORP, INC. (QNTO)
CIK:        0001391933
Form:       8-K
Filed at:   2025-07-31T23:59:59+00:00
Accession:  0000927089-25-000128
Event type: earnings
Sentiment:  neutral
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1391933/000092708925000128/0000927089-25-000128-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1391933/000092708925000128/qnto20250730_8k.htm
  HTML page:      https://secwatch.observer/filing/0000927089-25-000128

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer