QUAINT OAK BANCORP, INC. (QNTO) Form 8-K — Oct 27, 2026
$QNTOForm 8-KItems 2.02, 8.01, 9.01Filed Oct 27, 2026, 4:43 PM ET0000927089-26-000185Original filing
Quaint Oak Bancorp (OTCQB: QNTO) reported Q3 2026 net income of $635,000, or $0.24 per share, swinging from a $41,000 loss in Q3 2025. Nine-month net income rose 766.2% to $1.3 million. The turnaround was driven by a 16.5% drop in interest expense after fully repaying FHLB borrowings and lowering deposit costs, plus a 40.5% increase in non-interest income from expanded SBA and Oakmont Commercial loan sales. Net interest margin improved to 3.17% from 2.77%.
Key figures
- Eps
- 0.24
- Net Income
- 635000
- Total Assets
- 634147000
- Cash Position
- 57919000
- Shares Outstanding
- 2653040
- Texas Ratio
- 20.07% vs 9.80% year-ago
- Total Deposits
- 553951000
- Nine month eps
- 0.48
- Book Value Per Share
- 20.19
- Non Performing Loans
- $11.4 million, or 2.27% of loans receivable
- Stockholders Equity
- 53564000
- Net Interest Margin q3
- 3.17% vs 2.77% prior year
- Nine month net Income
- 1282000
- Note Repurchase Authorization
- $5.0 million of 11.00% Fixed Rate Senior Unsecured Notes due 2028
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