{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-26-000136","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2026-07-30T20:33:15+00:00","discovered_at":"2026-07-30T20:34:00.319390+00:00","generated_at":"2026-07-30T20:34:09.242364+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Quaint Oak Bancorp Q2 net income up 76.8% to $481K; EPS $0.18","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-26-000136","json":"https://secwatch.observer/filing/0000927089-26-000136.json","markdown":"https://secwatch.observer/filing/0000927089-26-000136.md","text":"https://secwatch.observer/filing/0000927089-26-000136.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708926000136/0000927089-26-000136-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708926000136/qnto20260730_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T20:34:09.242364+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}