secwatch.observer — SEC 8-K summary
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Issuer:     QUAINT OAK BANCORP, INC. (QNTO)
CIK:        0001391933
Form:       8-K
Filed at:   2026-07-30T20:33:15+00:00
Accession:  0000927089-26-000136
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1391933/000092708926000136/0000927089-26-000136-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1391933/000092708926000136/qnto20260730_8k.htm
  HTML page:      https://secwatch.observer/filing/0000927089-26-000136

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