secwatch.observer — SEC 8-K summary
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Issuer:     QUAINT OAK BANCORP, INC. (QNTO)
CIK:        0001391933
Form:       8-K
Filed at:   2026-02-02T23:59:59+00:00
Accession:  0000927089-26-000017
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1391933/000092708926000017/0000927089-26-000017-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1391933/000092708926000017/qnto20260202_8k.htm
  HTML page:      https://secwatch.observer/filing/0000927089-26-000017

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer