---
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"
generated_at: "2026-05-16T05:34:20.720758+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-26-000017
- JSON: https://secwatch.observer/filing/0000927089-26-000017.json
- Plain text: https://secwatch.observer/filing/0000927089-26-000017.txt

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