secwatch.observer — SEC 8-K summary
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Issuer:     QUAINT OAK BANCORP, INC. (QNTO)
CIK:        0001391933
Form:       8-K
Filed at:   2025-10-31T23:59:59+00:00
Accession:  0000927089-25-000199
Event type: earnings
Sentiment:  negative
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1391933/000092708925000199/0000927089-25-000199-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1391933/000092708925000199/qnto20251029_8k.htm
  HTML page:      https://secwatch.observer/filing/0000927089-25-000199

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