Quaint Oak Bancorp Q2 net income up 76.8% to $481K; EPS $0.18

QUAINT OAK BANCORP, INC.

Net income $481K ($0.18 per share) vs $272K ($0.10) in Q2 2025, a 76.8% increase.
Net interest margin improved to 2.93% from 2.85%; cost of funds decreased.
Non-interest income rose 18.5% driven by gain on sale of mortgage and commercial loans.
Non-performing assets increased to $10.3M (1.64% of assets) from $7.7M (1.20%) at year-end 2025.
Total assets $630.3M, down 6.7% from Dec 2025; deposits decreased 7.8%.

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