{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-26-000017","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2026-02-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.971570+00:00","generated_at":"2026-05-16T05:34:20.720758+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Quaint Oak Bancorp Q4 net income drops 89% to $174K; FY2025 net income down 88.5%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-26-000017","json":"https://secwatch.observer/filing/0000927089-26-000017.json","markdown":"https://secwatch.observer/filing/0000927089-26-000017.md","text":"https://secwatch.observer/filing/0000927089-26-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708926000017/0000927089-26-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708926000017/qnto20260202_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:34:20.720758+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"}