For the quarter ending 2026-03-31, QNTO made $91K in revenue. $166K in net income. Net profit margin of 182.42%.
| Income Statement | 2026-03-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|
| Non-interest revenue-Mortgage Banking And Abstract Fees | 91 | 289 | - | - |
| Non-interest revenue-Other Fees And Services Fees | -385 | 14 | - | - |
| Non-interest revenue-Real Estate Sales Commissions | - | 0 | - | - |
| Non-interest revenue-Loan Servicing Fee | 87 | 0 | - | - |
| Insurance commissions | 182 | 196 | - | 185 |
| Income from bank-owned life insurance | 33 | 33 | - | 30 |
| Non-interest revenue | - | - | - | 182 |
| Net gain on sale of loans | 988 | 950 | - | 1,056 |
| Gain on the sale of sba loans | 817 | 266 | - | 307 |
| Total non-interest income | 1,813 | 1,748 | - | 1,760 |
| Interest on loans, including fees | 9,617 | 9,808 | - | 9,523 |
| Interest and dividends on time deposits, investment securities, interest-bearing deposits with others, and federal home loan bank stock | 278 | 362 | - | 403 |
| Total interest and dividend income | 9,895 | 10,170 | - | 9,926 |
| Interest on deposits | 4,771 | 4,789 | - | 4,729 |
| Interest on fhlb borrowings | 0 | 536 | - | - |
| Interest on frb borrowings | 0 | - | - | - |
| Interest on senior debt | 277 | 170 | - | - |
| Interest on borrowings | - | - | - | 1,053 |
| Interest on subordinated debt | 154 | 281 | - | - |
| Total interest expense | 5,202 | 5,776 | - | 5,782 |
| Net interest income | 4,693 | 4,394 | - | 4,144 |
| Provision for credit losses loans | 71 | 433 | - | 326 |
| Provision for credit losses unfunded commitments | 25 | -8 | - | 115 |
| Total provision for credit losses | 96 | 425 | - | 441 |
| Net interest income after provision for credit losses | 4,597 | 3,969 | - | 3,703 |
| Salaries and employee benefits | 3,999 | 3,993 | - | 3,650 |
| Directors' fees and expenses | 68 | 66 | - | 65 |
| Occupancy and equipment | 430 | 489 | - | 431 |
| Data processing | 339 | 436 | - | 402 |
| Saas subscription expense | 320 | - | - | - |
| Professional fees | 349 | 134 | - | 223 |
| Fdic deposit insurance assessment | 165 | 131 | - | 121 |
| Advertising | 91 | 28 | - | 99 |
| Amortization of other intangible | 12 | 12 | - | 12 |
| Other | 351 | 439 | - | 541 |
| Total non-interest expense | 6,124 | 5,728 | - | 5,544 |
| Income tax effect | - | - | 1 | - |
| Income (loss) before income taxes | 286 | -11 | - | -81 |
| Unrealized gains on investment securities available-for-sale | - | - | 3 | - |
| Income taxes | 120 | 30 | - | 2 |
| Other comprehensive income | - | - | 2 | - |
| Net (loss) income from continuing operations | - | -41 | - | -83 |
| Net income from continuing operations | - | - | 272 | - |
| Income from discontinued operations | - | 0 | - | - |
| Total comprehensive income | - | - | 274 | - |
| Income taxes | - | 0 | - | - |
| Comprehensive income from discontinued operations | - | - | 0 | - |
| Net income from discontinued operations | - | 0 | - | - |
| Comprehensive income attributable to quaint oak bancorp, inc | - | - | 274 | - |
| Net income (loss) | 166 | -41 | - | -83 |
| Basic EPS | 0.06 | -0.02 | 0.1 | -0.03 |
| Diluted EPS | 0.06 | -0.02 | 0.1 | -0.03 |
| Basic Average Shares | 2,639,014 | 2,635,983 | 2,630,585 | 2,626,967 |
| Diluted Average Shares | 2,656,601 | 2,635,983 | 2,630,585 | 2,626,967 |
QUAINT OAK BANCORP, INC. (QNTO)
QUAINT OAK BANCORP, INC. (QNTO)