secwatch.observer — SEC 8-K summary
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Issuer:     QUAINT OAK BANCORP, INC. (QNTO)
CIK:        0001391933
Form:       8-K
Filed at:   2026-05-01T23:59:59+00:00
Accession:  0000927089-26-000082
Event type: earnings
Sentiment:  neutral
Materiality: 0.50
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1391933/000092708926000082/0000927089-26-000082-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1391933/000092708926000082/qnto20260429_8k.htm
  HTML page:      https://secwatch.observer/filing/0000927089-26-000082

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