For the quarter ending 2025-09-30, QNTO made $23,855K in revenue. -$41K in net income. Net profit margin of -0.17%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Interest on loans, including fees | 9,808 | - | 9,523 | 10,423 |
| Interest and dividends on time deposits, investment securities, interest-bearing deposits with others, and federal home loan bank stock | 362 | - | 403 | 611 |
| Total interest and dividend income | 10,170 | - | 9,926 | 11,034 |
| Interest on deposits | 4,789 | - | 4,729 | 5,666 |
| Interest on fhlb borrowings | 536 | - | - | - |
| Interest on federal home loan bank long-term borrowings | - | - | - | 128 |
| Interest on senior debt | 170 | - | - | - |
| Interest on borrowings | - | - | 1,053 | 10 |
| Interest on subordinated debt | 281 | - | - | 479 |
| Total interest expense | 5,776 | - | 5,782 | 6,287 |
| Net interest income | 4,394 | - | 4,144 | 4,748 |
| Provision for credit losses loans | 433 | - | 326 | 454 |
| (recovery of) provision for credit losses unfunded commitments | -8 | - | 115 | 272 |
| Total provision for credit losses | 425 | - | 441 | 726 |
| Net interest income after provision for credit losses | 3,969 | - | 3,703 | 4,022 |
| Gain on sale-leaseback transaction | - | - | - | 371 |
| Non-interest revenue-Mortgage Banking And Abstract Fees | 289 | - | - | - |
| Non-interest revenue | - | - | 182 | 433 |
| Non-interest revenue-Real Estate Sales Commissions | 0 | - | - | - |
| Insurance commissions | 196 | - | 185 | 185 |
| Non-interest revenue-Other Fees And Services Fees | 14 | - | - | - |
| Non-interest revenue-Loan Servicing Fee | 0 | - | - | - |
| Income from bank-owned life insurance | 33 | - | 30 | 30 |
| Net gain on sale of loans | 950 | - | 1,056 | 1,318 |
| Gain on the sale of sba loans | 266 | - | 307 | 485 |
| Total non-interest income | 1,748 | - | 1,760 | 2,821 |
| Salaries and employee benefits | 3,993 | - | 3,650 | 3,740 |
| Directors' fees and expenses | 66 | - | 65 | 50 |
| Occupancy and equipment | 489 | - | 431 | 336 |
| Data processing | 436 | - | 402 | 333 |
| Professional fees | 134 | - | 223 | 294 |
| Fdic deposit insurance assessment | 131 | - | 121 | 147 |
| Advertising | 28 | - | 99 | 94 |
| Amortization of other intangible | 12 | - | 12 | 13 |
| Other | 439 | - | 541 | 425 |
| Total non-interest expense | 5,728 | - | 5,544 | 5,429 |
| Income tax effect | - | 1 | - | - |
| (loss) income from continuing operations before income taxes | -11 | - | -81 | 1,414 |
| Unrealized gains on investment securities available-for-sale | - | 3 | - | - |
| Income taxes | 30 | - | 2 | 391 |
| Other comprehensive income | - | 2 | - | - |
| Net (loss) income from continuing operations | -41 | - | -83 | 1,023 |
| Net income from continuing operations | - | 272 | - | - |
| Income from discontinued operations | 0 | - | - | 243 |
| Total comprehensive income | - | 274 | - | - |
| Income taxes | 0 | - | - | 40 |
| Comprehensive income from discontinued operations | - | 0 | - | - |
| Net income from discontinued operations | 0 | - | - | 203 |
| Comprehensive income attributable to quaint oak bancorp, inc | - | 274 | - | - |
| Net (loss) income | -41 | - | -83 | 1,226 |
| Average shares outstanding basic (in shares) | 2,635,983 | 2,630,585 | 2,626,967 | -1,326,295 |
| Average shares outstanding - diluted (in shares) | 2,635,983 | 2,630,585 | 2,626,967 | -1,326,295 |
| Us-gaap_earningspersharebasic | -0.02 | 0.1 | -0.03 | 0.475 |
| Us-gaap_earningspersharediluted | -0.02 | 0.1 | -0.03 | 0.475 |
QUAINT OAK BANCORP, INC. (QNTO)
QUAINT OAK BANCORP, INC. (QNTO)