---
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"
generated_at: "2026-07-30T20:34:09.242364+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-26-000136
- JSON: https://secwatch.observer/filing/0000927089-26-000136.json
- Plain text: https://secwatch.observer/filing/0000927089-26-000136.txt

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