Quaint Oak Bancorp Q4 net income drops 89% to $174K; FY2025 net income down 88.5%

QUAINT OAK BANCORP, INC.

2025-FY EPS reported $0.12

Q4 2025 net income $174K ($0.07/share) vs $1.6M ($0.60) in Q4 2024, down 89%.
Full year 2025 net income $322K ($0.12/share) vs $2.8M ($1.08) in 2024, down 88.5%.
Non-interest expense rose $2.2M in 2025 for technology and personnel investments in international correspondent banking.
SBA loan originations surged to $36.2M in 2025 from $18.5M in 2024, up 96%.
Issued $10M Senior Notes at 11%, due 2028; used proceeds to repay $14M subordinated notes.

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