{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-26-000082","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2026-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.225233+00:00","generated_at":"2026-05-15T00:16:07.636329+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Quaint Oak Bancorp Q1 net income $166K vs $83K loss YoY; NPLs rise to $9.9M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-26-000082","json":"https://secwatch.observer/filing/0000927089-26-000082.json","markdown":"https://secwatch.observer/filing/0000927089-26-000082.md","text":"https://secwatch.observer/filing/0000927089-26-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708926000082/0000927089-26-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708926000082/qnto20260429_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T00:16:07.636329+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":[{"claim_id":"661b60415e4d2d4de6f3fb2a0cb86071cddbe5f6","claim":"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.","evidence_excerpt":"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","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1391933/000092708926000082/0000927089-26-000082-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter ended March 31, 2026"},{"label":"Net income","value":"$166,000"},{"label":"EPS","value":"$0.06 per basic and diluted share"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}