For the quarter ending 2026-03-31, QNTO had $1,818K increase in cash & cash equivalents over the period.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income from continuing operations | - | -41 | 189 |
| Net income (loss) | 166 | - | - |
| Provision for credit losses | -1,207 | 425 | 878 |
| Depreciation expense | -326 | 181 | 346 |
| Amortization, net | -204 | 177 | 146 |
| Amortization of deferred loan fees and costs, net | -186 | -34 | 185 |
| Stock-based compensation expense | -103 | 61 | 121 |
| Net gain on sale of loans | -2,064 | 950 | 2,102 |
| Loans held for sale-originations | -85,507 | 46,902 | 82,711 |
| Loans held for sale-proceeds | -90,047 | 49,357 | 93,081 |
| Gain on the sale of sba loans | -267 | 266 | 818 |
| Transfer of sba loans to portfolio | 1,797 | - | - |
| Servicing assets | 69 | - | - |
| Increase in the cash surrender value of bank-owned life insurance | -61 | 33 | 62 |
| Accrued interest receivable | -384 | -315 | 694 |
| Prepaid expenses and other assets | -727 | 163 | 350 |
| Accrued interest payable | -188 | -240 | 89 |
| Accrued expenses and other liabilities | -219 | 574 | -530 |
| Net cash provided by (used in) operating activities of continuing operations | - | 2,529 | 7,398 |
| Net cash provided by operating activities of discontinued operations | - | 0 | 0 |
| Net cash provided by operating activities | -1,352 | 2,529 | 7,398 |
| Redemption of interest-earning time deposits | - | 0 | 0 |
| Principal repayments of investment securities available for sale | 443 | -163 | -434 |
| Net decrease in loans receivable | -27,431 | 5,619 | 6,872 |
| Proceeds from the sale of oakmont capital holdings, llc | - | 0 | 0 |
| Purchase of federal home loan bank stock | -4,206 | 200 | 4,006 |
| Redemption of federal home loan bank stock | -4,329 | 800 | 3,529 |
| Repayments of federal reserve bank long-term borrowings | - | - | 4,500 |
| Purchase of premises and equipment | -348 | 187 | 301 |
| Proceeds from federal reserve bank long-term borrowings | - | - | 4,500 |
| Net cash provided by investing activities | 27,213 | -5,043 | -7,216 |
| Net decrease in demand deposits, money markets, and savings accounts | 29,532 | -5,299 | -50,660 |
| Net (decrease) increase in certificate accounts | -62,378 | 27,317 | 29,584 |
| Decrease in advances from borrowers for taxes and insurance | 716 | -940 | -207 |
| Net (decrease) increase in federal home loan bank borrowings | - | -2,855 | - |
| Net proceeds from federal home loan bank borrowings | 0 | - | - |
| Net repayments from subordinated debt | -14,103 | 103 | 14,000 |
| Net proceeds from senior debt | -9,575 | 44 | 9,531 |
| Proceeds from shares issued from authorized and unallocated | - | 0 | 0 |
| Proceeds from federal home loan bank borrowings | - | - | 12,145 |
| Dividends paid | -683 | 105 | 683 |
| Proceeds from the reissuance of treasury stock under 401 plan | -46 | 15 | 41 |
| Proceeds from the exercise of stock options | 33 | - | - |
| Acquisition of treasury stock | -34 | 14 | 31 |
| Net cash used in financing activities | -24,043 | 5,915 | -14,280 |
| Net decrease in cash and cash equivalents | 1,818 | 3,401 | -14,098 |
| Cash and cash equivalents beginning of year | 52,292 | 62,989 | - |
| Cash and cash equivalents end of year | 44,668 | 52,292 | - |
QUAINT OAK BANCORP, INC. (QNTO)
QUAINT OAK BANCORP, INC. (QNTO)