---
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"
generated_at: "2026-05-15T00:16:07.636329+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-26-000082
- JSON: https://secwatch.observer/filing/0000927089-26-000082.json
- Plain text: https://secwatch.observer/filing/0000927089-26-000082.txt

## Key facts
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1391933/000092708926000082/0000927089-26-000082-index.htm

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