Quaint Oak Bancorp posts Q3 net loss of $41k vs net income of $243k YoY; investing in new correspondent banking line

QUAINT OAK BANCORP, INC.

2025-Q3 EPS reported $0.06

Q3 2025 net loss $41k ($0.02/share) vs net income $243k ($0.09) in Q3 2024.
Non-interest income rose 44.5% ($538k); net interest margin improved to 2.77% from 2.59%.
Loss driven by $804k (16.3%) increase in non-interest expense for international correspondent banking buildout.
Issued $10M senior notes at 11% fixed due 2028; used proceeds to repay $14M subordinated notes maturing March 2025.
Non-performing loans 1.16% of loans; Texas Ratio 9.80%; CEO says ratios remain manageable.

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