{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-25-000199","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2025-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.288353+00:00","generated_at":"2026-05-17T01:05:12.612390+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Quaint Oak Bancorp posts Q3 net loss of $41k vs net income of $243k YoY; investing in new correspondent banking line","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-25-000199","json":"https://secwatch.observer/filing/0000927089-25-000199.json","markdown":"https://secwatch.observer/filing/0000927089-25-000199.md","text":"https://secwatch.observer/filing/0000927089-25-000199.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000199/0000927089-25-000199-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000199/qnto20251029_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:05:12.612390+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"}