Quaint Oak Bancorp, Inc. (QNTO)

Quaint Oak Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	52.29	62.99	58.01	3.89	10.71	33.91
Investment Securities	0.91	0.91	1.91	3.83	7.92	15.09
Mortgage-Backed Securities	1.07	1.67	2.34	2.97	4.03	5.1
Total Investments	1.98	2.58	4.25	6.8	11.96	20.19
Gross Loans	553.61	541.57	625.23	630.76	411.87	365.24
Allowance for Loan Losses	-6.49	-6.48	-6.76	-7.68	-5.26	-3.06
Other Adjustments to Gross Loans	-	-0.4	-0.77	-1.22	-2.64	-3.06
Net Loans	547.12	534.69	617.7	621.86	403.97	359.12
Property, Plant & Equipment	1.59	1.63	2.66	2.78	2.65	2.34
Goodwill	0.52	0.52	0.52	2.57	2.57	0.52
Other Intangible Assets	0.04	0.08	0.13	0.17	0.22	0.27
Loans Held for Sale	54.51	64.28	36.45	133.22	107.82	53.19
Accrued Interest Receivable	4.34	3.96	3.5	3.46	3.14	3.05
Other Current Assets	8.12	6.16	23.41	4.75	3	4.26
Long-Term Deferred Tax Assets	-	1.22	1.32	1.67	1.44	1.08
Other Real Estate Owned & Foreclosed	-	-	-	-	-	0.29
Other Long-Term Assets	4.54	4.85	4.71	4.56	4.46	4.19
Total Assets	677.13	685.17	754.12	792.35	554.12	484.08
Accrued Expenses	5.43	1.03	2.44	9.57	5.99	3.43
Interest Bearing Deposits	138.27	421.87	498.68	430.12	357.74	271.64
Institutional Deposits	339.79	71.6	40.8	30.4	24.7	29
Non-Interest Bearing Deposits	76.13	59.78	92.22	88.73	64.73	54.2
Total Deposits	554.19	553.25	631.7	549.25	447.17	354.85
Short-Term Borrowings	-	45	-	98.69	26	10
Current Portion of Long-Term Debt	-	2.86	21.17	64	11.07	5
Current Portion of Leases	-	0.45	-	-	-	-
Accrued Interest Payable	0.79	0.94	0.54	0.58	0.17	0.36
Other Current Liabilities	-	-	13.17	-	-	-
Long-Term Debt	17.58	22	21.96	7.97	7.93	56.03
Federal Home Loan Bank Debt, Long-Term	45	-	7.86	9.02	16.02	23.19
Long-Term Leases	-	3.91	-	-	-	-
Other Long-Term Liabilities	1.98	3.12	3.73	4.19	2.86	2.49
Total Liabilities	624.96	632.55	702.55	743.27	517.21	455.35
Common Stock	0.03	0.03	0.03	0.03	0.03	0.03
Additional Paid-In Capital	23.12	22.98	20.3	17.91	15.69	15.28
Retained Earnings	32.56	33.2	31.74	30.88	24.03	18.47
Treasury Stock	-3.54	-3.59	-3.57	-3.99	-4.98	-5.11
Comprehensive Income & Other	0	-	-0.01	-0.02	0.02	0.07
Total Common Equity	52.17	52.62	48.49	44.79	34.79	28.73
Minority Interest	-	-	3.07	4.29	2.12	-
Shareholders' Equity	52.17	52.62	51.57	49.08	36.91	28.73
Total Liabilities & Equity	677.13	685.17	754.12	792.35	554.12	484.08
Total Debt	62.58	74.21	50.98	179.68	61.02	94.23
Net Cash (Debt)	-9.37	-10.31	8.94	-171.95	-42.39	-50.85
Net Cash Per Share	-3.56	-4.00	3.93	-79.87	-20.25	-25.27
Filing Date Shares Outstanding	2.6	2.59	2.45	2.18	1.99	1.95
Total Common Shares Outstanding	2.6	2.59	2.36	2.16	1.99	1.95
Book Value Per Share	20.08	20.31	20.53	20.75	17.46	14.75
Tangible Book Value	51.62	52.03	47.85	42.05	31.99	27.94
Tangible Book Value Per Share	19.87	20.08	20.26	19.48	16.06	14.35

Source: S&P Global Market Intelligence. Banks template. Financial Sources.