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QNTO on OTC

QUAINT OAK BANCORP, INC.

QUAINT OAK BANCORP, INC. is an American savings institutions company based in Southampton.1 Its shares trade on OTC under the symbol QNTO.1

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Last updated Oct 21, 2026.

Overview

$322.0KNet income, fiscal 20252

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  • TickerQNTO on OTC1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersSouthampton, Pennsylvania1
  • Incorporated inPA3
  • Business address501 Knowles Avenue, Southampton, Pa 189663
  • Filer categoryNon-accelerated filer, Smaller reporting company3
  • Legal formCorporation

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Quaint Oak Bancorp, Inc., a Pennsylvania corporation headquartered in Southampton, Pennsylvania, was organized in 2007 as the holding company for Quaint Oak Bank. Quaint Oak Bank, originally incorporated in 1926, converted from a Pennsylvania chartered building and loan association to a Pennsylvania chartered mutual savings bank named Quaint Oak Savings Bank in January 2000 and converted to a stock savings bank in July 2007. Following its mutual to stock conversion, Quaint Oak Bank shifted its focus to commercial and business customers. Quaint Oak Bank is headquartered in Southampton in Bucks County, Pennsylvania and operates through three banking locations: the main office location in Southampton, Pennsylvania and regional banking offices in Allentown, located in the Lehigh Valley area of Pennsylvania, and a Philadelphia, Pennsylvania location. The Bank also has a mortgage office in Phi…5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

0.6%Return on equity2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Mortgage Banking and Abstract Fees brought in 91% of the revenue QUAINT OAK BANCORP, INC. broke down this way in fiscal 2025.

  1. Mortgage Banking and Abstract Fees$947.0K291%up 4% from 2024
  2. Other Fees and Services Fees$88.0K29%down 88% from 2024
Products and services by year
Products and services20242025
Mortgage Banking and Abstract Fees$909.0K$947.0K
Other Fees and Services Fees$728.0K$88.0K

Financial statements

Operating income678910112$644.0K in 2025−76% since 2018
0$5.0M$10.0M$15.0M2018: $2.7M$2.7M20182019: $3.4M$3.4M2019+28%2020: $4.5M$4.5M2020+32%2021: $9.3M$9.3M2021+105%2022: $13.4M$13.4M2022+43%2023: $3.6M$3.6M2023−73%2024: $3.4M$3.4M2024−5%2025: $644.0K$644.0K2025−81%
Net income678910112$322.0K in 2025−84% since 2018
0$2.0M$4.0M$6.0M$8.0M2018: $2.0M$2.0M20182019: $2.5M$2.5M2019+24%2020: $3.2M$3.2M2020+31%2021: $6.4M$6.4M2021+97%2022: $7.9M$7.9M2022+23%2023: $2.0M$2.0M2023−74%2024: $2.8M$2.8M2024+38%2025: $322.0K$322.0K2025−88%

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2025-12-312024-12-31
Interest on loans, including fees$39.0M$40.1M
Interest and dividends on investment securities, interest-bearing deposits with others, and Federal Home Loan Bank stock$1.6M$3.4M
Total Interest and Dividend Income$40.6M$43.4M
Interest on deposits$19.0M$23.1M
Interest on Federal Home Loan Bank borrowings$1.9M$545.0K
Interest on Federal Reserve Bank borrowings$1.0K$0
Interest on senior debt$947.0K$0
Interest on subordinated debt$954.0K$1.9M
Total Interest Expense$22.7M$25.6M
Net Interest Income$17.9M$17.8M
Provision for Credit Losses$1.2M$1.5M
Provision for Off-Balance Sheet Credit Exposures$20.0K$28.0K
Total Provision for Credit Losses$1.2M$1.5M
Net Interest Income after Provision for Credit Losses$16.7M$16.3M
Insurance commissions$820.0K$744.0K
Income from bank-owned life insurance$128.0K$118.0K
Net gain on loans held for sale$3.7M$3.7M
Gain on the sale of SBA loans$1.4M$453.0K
Gain on sale-leaseback transaction$0$1.5M
Total Non-Interest Income, net$7.2M$8.2M
Salaries and employee benefits$15.2M$14.6M
Directors fees and expenses$263.0K$201.0K
Occupancy and equipment$1.8M$1.4M
Data processing$1.8M$1.3M
Professional fees$1.8M$1.1M
FDIC deposit insurance assessment$530.0K$614.0K
Advertising$294.0K$302.0K
Amortization of other intangible$48.0K$49.0K
Other$1.5M$1.4M
Total Non-Interest Expense$23.2M$21.0M
Income from continuing operations before income taxes$644.0K$3.4M
Income taxes from continuing operations$322.0K$1.2M
Net income from continuing operations$322.0K$2.4M
Income from discontinued operations$0$564.0K
Income tax from discontinued operations$0$158.0K
Net income from discontinued operations$0$406.0K
Net income$322.0K$2.8M
Earnings per share from continuing operations basic (in dollars per share)$0$1
Earnings per share from discontinued operations basic (in dollars per share)$0$0
Basic earnings per share, net (in dollars per share)$0.12$1.08
Average shares outstanding - basic (in shares)2.6M shares2.6M shares
Earnings per share from continuing operations - diluted (in dollars per share)$0$1
Earnings per share from discontinued operations - diluted (in dollars per share)$0$0
Diluted earnings per share, net (in dollars per share)$0.12$1.08
Average shares outstanding - diluted (in shares)2.6M shares2.6M shares

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Corporate structure

QUAINT OAK BANCORP, INC. sits at the top of its group. 8 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of QUAINT OAK BANCORP, INC.

  • QUAINT OAK BANCORP, INC. Southampton, Pennsylvania
    • KCMI Capital, Inc. Subsidiary · Pennsylvania, United States
    • Oakmont Commercial, LLC Subsidiary · Pennsylvania, United States
    • QOB Properties, LLC Subsidiary · Pennsylvania, United States
    • Quaint Oak Abstract, LLC Subsidiary · Pennsylvania, United States
    • Quaint Oak Bank Subsidiary · Pennsylvania, United States
    • Quaint Oak Insurance Agency, LLC Subsidiary · Pennsylvania, United States
    • Quaint Oak Mortgage, LLC Subsidiary · Pennsylvania, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What QUAINT OAK BANCORP, INC. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$5.2M2 Dec 31, 2025$4.6M2 Dec 31, 2024+13.9%
Accumulated depreciation$3.7M2 Dec 31, 2025$2.9M2 Dec 31, 2024+24.4%
Property and equipment, net$1.5M2 Dec 31, 2025$1.6M2 Dec 31, 2024−5.3%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$53.5M2 Dec 31, 2025$63.0M2 Dec 31, 2024−15.0%
Debt securities available for sale$1.7M11 Dec 31, 2024$2.3M11 Dec 31, 2023−28.8%
Debt securities held to maturity$912.0K2 Dec 31, 2025$912.0K2 Dec 31, 20240%
Loans, net of allowance$540.7M2 Dec 31, 2025$534.7M2 Dec 31, 2024+1.1%
Deposits held (banks)$597.3M2 Dec 31, 2025$553.3M2 Dec 31, 2024+8.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$515.0K2 Dec 31, 2025$515.0K2 Dec 31, 20240%
Finite-lived intangibles, net$28.0K2 Dec 31, 2025$77.0K2 Dec 31, 2024−63.6%

Properties, in its own words

The following table provides certain information as of December 31, 2025 with respect to our main office located in Southampton, Pennsylvania, our regional offices located in Allentown and Philadelphia, Pennsylvania, mortgage banking, insurance agency and title abstract property in Allentown, Pennsylvania, and a mortgage loan production office in Philadelphia.

Description/Address · Leased/Owned · Date of Lease Expiration · Net Book Value of Property · Amount of Deposits

The rest of Item 2

501-503 Knowles Avenue Southampton, Pennsylvania 18966 · Leased · 02/28/2031 · (1) · 67 · 444,880

1710 Union Boulevard Allentown, Pennsylvania 18019 · Leased · 11/30/2039 · - · 130,638

117-21 Spring Garden Street (Suite A) Philadelphia, Pennsylvania 19123 · Leased · 2/28/2040 · 52 · 37,665

100 Spring Garden Street Philadelphia, Pennsylvania 19123 · Leased · 8/31/2038 · (2) · - · Not applicable

_________________

(1) · Such lease has a five year renewal option which would commence on March 1, 2031 and end on February 28, 2036.

(2) · Such lease has a five year renewal option which would commence on September 1, 2039 and end on August 31, 2044.

Item 2 of the 10-K filed Mar 27, 2026.5

Leadership

Who has led QUAINT OAK BANCORP, INC., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Robert T. Strong2009–now

President

  1. Robert T. Strong2009–2024
  2. William R. Gonzalez2024–now

Chief financial officer

  1. John J. Augustine2009–now

Chief operating officer

  1. Diane J. Colyer2013
  2. William R. Gonzalez2023–2024
2010201520202025
Board members and other officers (15)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • DirectorJames J. Clarke named Dec 22, 2022 to Mar 4, 202535
  • DirectorRobert J. Phillips named Dec 22, 2022 to Mar 4, 202535

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • KCMI Capital, Inc. Pennsylvania4
  • Oakmont Commercial, LLC Pennsylvania4
  • QOB Properties, LLC Pennsylvania4
  • Quaint Oak Abstract, LLC Pennsylvania4
  • Quaint Oak Bank Pennsylvania4
  • Quaint Oak Insurance Agency, LLC Pennsylvania4
  • Quaint Oak Mortgage, LLC Pennsylvania4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • QUAINT OAK BANCORP INCMar 21, 2007 to Jan 31, 20253

Timeline

  1. Oct 15, 20268-K Regulation FD disclosure36
  2. Sep 10, 20268-K Executive or director change37
  3. Jul 30, 20268-K Results of operations38
  4. Jul 16, 20268-K Regulation FD disclosure39
  5. May 18, 20268-K Shareholder vote40
  6. May 1, 20268-K Results of operations41
  7. Apr 16, 20268-K Regulation FD disclosure42
  8. Apr 2, 20268-K Other events43
  9. Feb 12, 20268-K Bylaws or fiscal year changed44
  10. Feb 2, 20268-K Results of operations45
  11. Jan 15, 20268-K Regulation FD disclosure46
  12. Oct 31, 20258-K Results of operations47
  13. Mar 6, 2009New chief executive Robert T. Strong becomes CEO15

Calendar

Coming up

  1. Around Oct 28, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 30, 2026Reported quarterly or annual results38
  2. May 1, 2026Reported quarterly or annual results41
  3. Feb 2, 2026Reported quarterly or annual results45
  4. Oct 31, 2025Reported quarterly or annual results47
  5. Jul 31, 2025Reported quarterly or annual results48
  6. May 1, 2025Reported quarterly or annual results49
  7. Jan 31, 2025Reported quarterly or annual results50
  8. Nov 14, 2024Reported quarterly or annual results51

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

219 filings to the SEC since October 2021: 6 annual reports, 17 quarterly reports, 69 major events, 95 insider forms, 5 large holders, 7 private raises, 20 other. The latest 20:

  1. Oct 15, 20268-K EDGAR
  2. Sep 10, 20263 EDGAR
  3. Sep 10, 20268-K EDGAR
  4. Sep 9, 20264 EDGAR
  5. Sep 9, 20264 EDGAR
  6. Aug 14, 202610-Q EDGAR
  7. Aug 11, 20264 EDGAR
  8. Jul 30, 20268-K EDGAR
  9. Jul 16, 20268-K EDGAR
  10. Jun 26, 202611-K EDGAR
  11. May 27, 20264 EDGAR
  12. May 18, 20268-K EDGAR
  13. May 15, 202610-Q EDGAR
  14. May 12, 20264 EDGAR
  15. May 12, 20264 EDGAR
  16. May 1, 20268-K EDGAR
  17. Apr 22, 20264 EDGAR
  18. Apr 22, 20264 EDGAR
  19. Apr 16, 20268-K EDGAR
  20. Apr 8, 2026DEFA14A EDGAR

The 219 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

35 open-market trades by officers, directors and large owners since October 2021: 33 buys and 2 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 6, 2026GONZALEZ WILLIAM RPresident***Buy489$14.25$7.0KForm 4
May 26, 2026CLARKE JAMES JDirectorBuy200$17.35$3.5KForm 4
Feb 5, 2026CLARKE JAMES JDirectorBuy1,350$12.75$17.2KForm 4
Dec 12, 2025STRONG ROBERT TChief Executive OfficerBuy800$10.41$8.3KForm 4
Dec 10, 2025STRONG ROBERT TChief Executive OfficerBuy200$10.30$2.1KForm 4
Dec 5, 2025GONZALEZ WILLIAM RPresident***Buy528$10.26$5.4KForm 4
Dec 4, 2025STRONG ROBERT TChief Executive OfficerBuy1,000$10.40$10.4KForm 4
Nov 19, 2025STRONG ROBERT TChief Executive OfficerBuy900$10.35$9.3KForm 4
Nov 18, 2025STRONG ROBERT TChief Executive OfficerBuy100$10.25$1.0KForm 4
Nov 5, 2025STRONG ROBERT TChief Executive OfficerBuy1,000$9.16$9.2KForm 4
Aug 13, 2025CLARKE JAMES JDirectorBuy300$10.10$3.0KForm 4
Jul 1, 2025STRONG ROBERT TChief Executive OfficerBuy600$10.85$6.5KForm 4
Jun 13, 2025Vettori Susan M.DirectorBuy500$10.95$5.5KForm 4
Jun 11, 2025GONZALEZ WILLIAM RPresident***Buy1,961$10.69$21.0KForm 4
Jun 2, 2025STRONG ROBERT TChief Executive OfficerBuy400$10.45$4.2KForm 4
May 29, 2025PHILLIPS ROBERT JChairman of the BoardBuy500$10.59$5.3KForm 4
May 28, 2025STRONG ROBERT TChief Executive OfficerBuy1,000$10.45$10.4KForm 4
Jan 16, 2025PHILLIPS ROBERT JChairman of the BoardSale1$10.30$10Form 4
Aug 29, 2024CLARKE JAMES JDirectorBuy400$10.30$4.1KForm 4
Aug 29, 2024CLARKE JAMES JDirectorBuy400$10.30$4.1KForm 4

All 35 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Robert T. Strong$355.0K$402.5K53
2025William R. Gonzalez$264.8K$336.4K53
2025John J. Augustine$265.0K$307.7K53
2024Chief Executive Officer$350.0K$402.0K53
2024Executive Vice President andChief Financial Officer$265.0K$304.4K53
2024President$245.1K$279.6K53

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Feb 21, 2025Raised $10 million in a private offering of debt Form D: 9 investors so far Form D
  2. Sep 13, 2023Raised $4.1 million in a private offering of equity Form D: $7 million offered in all Form D
  3. Mar 16, 2023Raised $2 million in a private offering of debt Form D: 2 investors so far Form D
  4. Mar 2, 2023Raised $12 million in a private offering of debt Form D: 8 investors so far Form D
  5. Dec 12, 2022Raised $2.4 million in a private offering of equity Form D: $5 million offered in all Form D

SEC filer profile

How QUAINT OAK BANCORP, INC. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARQUAINT OAK BANCORP, INC.1
  • CIK0001391933
  • Employer ID (EIN)35-22939575
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
  • Incorporated inPennsylvania5
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address501 Knowles Avenue, Southampton, PA 189661
  • Phone215 364 40591
  • Shares outstanding2,649,603 as of Aug 12, 202613
  • Public float$19.6M as of 5
  • AuditorS.R. Snodgrass, P.C, Cranberry Township, Pennsylvania PCAOB ID 74; no auditor attestation of internal control over financial reporting5
  • On EDGAR sinceMar 21, 20071
  • Filings713 in all: 4 (278), 8-K (207), 10-Q (56), SC 13G/A (23), 10-K (19), DEF 14A (19), 3 (16), ARS (15)1
    All 33 form types

    11-K (11), 4/A (10), SC 13G (8), D (6), 10-Q/A (5), S-8 (5), 8-K/A (4), SC 13D/A (4), 10QSB (3), UPLOAD (3), 10-K/A (2), 5 (2), D/A (2), SB-2/A (2), SC 13D (2), SCHEDULE 13G/A (2), 424B3 (1), 8-A12G (1), CORRESP (1), DEFA14A (1), EFFECT (1), NT 10-Q (1), NT 11-K (1), SB-2 (1), SE (1)

  • Latest filingsAnnual report (10-K) Mar 27, 2026
    Quarterly report (10-Q) Aug 14, 2026
    Proxy statement (DEF 14A) Apr 8, 2026
    Latest 8-K (8-K) Oct 15, 2026

Risk factors and legal proceedings

The risks QUAINT OAK BANCORP, INC. names in Item 1A of its 10-K filed Mar 27, 2026: 36 risks under these headings, as written.5

  • We have entered into correspondent banking relationships with international banking entities and other business arrangements, and these activities involve risks and uncertainties that could affect our liquidity. A failure of any such relationship or the exit from any such relationship may cost more than anticipated, subject us to additional risk, and could have a material adverse effect on our business and results of operations.
  • The Company’s operations could be impaired by liquidity risk and deposit concentration.
  • We rely on short-term funding, which can be adversely affected by local and general economic conditions.
  • We may need to raise additional capital or increase our liquidity in the future, but sufficient capital may not be available when it is needed.
  • If the Company fails to maintain sufficient capital and liquidity under regulatory requirements, whether due to losses, an inability to raise additional capital or otherwise, that failure would adversely affect the Company’s financial condition and results of operations, as well as the Company’s ability to maintain regulatory compliance.
  • Regulatory scrutiny of correspondent banking partnerships and related technology considerations have recently increased.
  • Our relationships with correspondent banks located in Puerto Rico create increased Office of Foreign Assets Control (“OFAC”), Bank Secrecy Act and Anti-Money Laundering compliance risk.
  • Potential gaps in our risk management policies and internal audit procedures may leave us exposed to unidentified or unanticipated risk, which could negatively affect our business.
  • Our operations are subject to third-party risk.
  • A decline in general business conditions and economic trends and any regulatory responses to such conditions and trends could adversely affect the Company’s business, financial condition and results of operations.
  • The resurgence of elevated levels of inflation may have an adverse impact on our business and on our customers.
  • Changes in interest rates may adversely affect the Company’s net interest income and profitability.
The other 24 risks
  • The amount of nonperforming assets may increase, resulting in losses, costs and expenses that would negatively affect the Bank’s operations.
  • Nonperforming assets take significant time and resources to resolve and adversely affect our results of operations and financial condition.
  • Our allowance for credit losses may not be adequate to cover actual losses.
  • We have a high concentration of commercial real estate loans, which involve credit risks that could adversely affect our financial condition and results of operations.
  • Our concentration of real estate loans in a limited market area exposes us to lending risks.
  • The geographic concentration of our loan portfolio and lending activities makes us vulnerable to a downturn in our local market area.
  • The imposition of further limits by the bank regulators on commercial real estate lending activities could curtail our growth and adversely affect our earnings.
  • The banking industry and the Company operate under certain regulatory requirements that may change significantly and in a manner that further impairs revenues, operating income and financial condition.
  • The costs and effects of litigation, investigations or similar matters, or adverse facts and developments related thereto, could materially affect the Company’s business, operating results and financial condition.
  • Our business activities and operations are subject to regulation, supervision and examination, and can be limited and proscribed, by our federal and state regulators.
  • Changes in laws and regulations and the cost of regulatory compliance with new laws and regulations may adversely affect our operations and/or increase our costs of operations.
  • We are subject to the Community Reinvestment Act (the “CRA”) and fair lending laws, and failure to comply with these laws could lead to material penalties.
  • Significantly heightened regulatory and supervisory expectations and scrutiny in the U.S. have increased our compliance, regulatory and other risks and costs and subject us to legal and regulatory examinations, investigations and enforcement actions.
  • The Company is leveraged and therefore may be unable to serve as a source of strength to the Bank.
  • The Bank’s deposit insurance premium could be higher in the future, which could have a material adverse effect on its future results of operations.
  • The Company may not be able to attract or retain key banking employees, which could adversely impact our business and operations.
  • The soundness of other financial institutions could adversely affect the Company.
  • Changes in accounting standards could affect reported earnings.
  • The financial services business is intensely competitive, and the Company may not be able to compete effectively.
  • The Bank is a community bank and its ability to maintain its reputation is critical to the success of its business and the failure to do so may materially adversely affect the Company’s performance.
  • We face significant operational risks because of our reliance on technology. Our information technology systems may be subject to failure, interruption or security breaches.
  • If we are not able to invest successfully and introduce digital and other technological developments across all our business, our financial performance may suffer.
  • Risks associated with the Company’s internet-based systems and online commerce security, including “hacking” and “identify theft,” could adversely affect the Company’s business.
  • Past Bank performance is not a meaningful financial indicator upon which to base an estimate of our future financial performance.

Legal proceedings

Quaint Oak Bancorp is not involved in any legal proceedings except nonmaterial litigation incidental to the ordinary course of business.

The opening of Item 3, Legal Proceedings.5

Sources

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