---
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"
generated_at: "2026-05-17T01:05:12.612390+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000199
- JSON: https://secwatch.observer/filing/0000927089-25-000199.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000199.txt

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