Quaint Oak Bancorp Q1 net income $166K vs $83K loss YoY; NPLs rise to $9.9M

QUAINT OAK BANCORP, INC.

Net income $166K ($0.06 per share) vs net loss $83K ($0.03 per share) in Q1 2025.
Net interest margin improved to 2.90% from 2.63% YoY; interest expense decreased $580K (10.0%).
Non-interest expense increased $580K (10.5%) driven by salaries, professional fees, and SaaS costs.
Non-performing loans increased to $9.9M (1.87% of loans) from $7.3M (1.36%) at December 2025.
Regulatory consent order fully lifted during the quarter after completion of corrective actions.

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

QUAINT OAK BANCORP, INC. reported the first quarter ended March 31, 2026 results: net income $166,000, EPS $0.06 per basic and diluted share.

Period: the first quarter ended March 31, 2026
Net income: $166,000
EPS: $0.06 per basic and diluted share
Result: reported results

Exact text from the filing

Quaint Oak Bancorp, Inc. (the “Company”) (OTCQB: QNTO), the holding company for Quaint Oak Bank (the “Bank”), announced today net income for the quarter ended March 31, 2026 of $166,000, or $0.06 per basic and diluted share, compared to net loss of $83,000, or $(0.03) per basic and diluted share, for the same period in 2025. Robert T. Strong, Chief Executive

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Source: SEC EDGAR

accession 0000927089-26-000082

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