Quaint Oak Bancorp, Inc. (QNTO)

Quaint Oak Bancorp Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	57.92	53.55	62.99	58.01	3.89	10.71
Investment Securities	1.12	0.91	0.91	1.91	3.83	7.92
Mortgage-Backed Securities	0.54	0.88	1.67	2.34	2.97	4.03
Total Investments	1.66	1.79	2.58	4.25	6.8	11.96
Gross Loans	506.74	546.86	541.57	625.23	630.76	411.87
Allowance for Loan Losses	-5.72	-6.17	-6.48	-6.76	-7.68	-5.26
Other Adjustments to Gross Loans	-	-	-0.4	-0.77	-1.22	-2.64
Net Loans	501.02	540.7	534.69	617.7	621.86	403.97
Property, Plant & Equipment	1.49	1.54	1.63	2.66	2.78	2.65
Goodwill	0.52	0.52	0.52	0.52	2.57	2.57
Other Intangible Assets	-	0.03	0.08	0.13	0.17	0.22
Loans Held for Sale	55.97	60.96	64.28	36.45	133.22	107.82
Accrued Interest Receivable	3.03	3.79	3.96	3.5	3.46	3.14
Other Current Assets	6.15	6.15	6.16	23.41	4.75	3
Long-Term Deferred Tax Assets	-	0.99	1.22	1.32	1.67	1.44
Other Real Estate Owned & Foreclosed	0.14	0.36	-	-	-	-
Other Long-Term Assets	5.97	5.19	4.85	4.71	4.56	4.46
Total Assets	634.15	675.85	685.17	754.12	792.35	554.12

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	5.96	0.46	5.13	2.44	9.57	5.99
Interest Bearing Deposits	453.92	442.11	421.87	498.68	430.12	357.74
Institutional Deposits	-	89.5	71.6	40.8	30.4	24.7
Non-Interest Bearing Deposits	100.03	65.67	59.78	92.22	88.73	64.73
Total Deposits	553.95	597.28	553.25	631.7	549.25	447.17
Short-Term Borrowings	-	-	45	-	98.69	26
Current Portion of Long-Term Debt	-	-	2.86	21.17	64	11.07
Current Portion of Leases	-	0.46	-	-	-	-
Accrued Interest Payable	0.63	1.09	0.94	0.54	0.58	0.17
Other Current Liabilities	-	-	-	13.17	-	-
Long-Term Debt	17.75	17.62	22	21.96	7.97	7.93
Federal Home Loan Bank Debt, Long-Term	-	-	-	7.86	9.02	16.02
Long-Term Leases	-	3.7	-	-	-	-
Other Long-Term Liabilities	2.29	2.92	3.38	3.73	4.19	2.86
Total Liabilities	580.58	623.52	632.55	702.55	743.27	517.21

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	53.56	0.03	0.03	0.03	0.03	0.03
Additional Paid-In Capital	-	23.2	22.98	20.3	17.91	15.69
Retained Earnings	-	32.63	33.2	31.74	30.88	24.03
Treasury Stock	-	-3.53	-3.59	-3.57	-3.99	-4.98
Comprehensive Income & Other	-	0	-	-0.01	-0.02	0.02
Total Common Equity	53.56	52.33	52.62	48.49	44.79	34.79
Minority Interest	-	-	-	3.07	4.29	2.12
Shareholders' Equity	53.56	52.33	52.62	51.57	49.08	36.91
Total Liabilities & Equity	634.15	675.85	685.17	754.12	792.35	554.12

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	17.75	21.78	69.86	50.98	179.68	61.02
Net Cash (Debt)	41.29	32.68	-5.95	8.94	-171.95	-42.39
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	15.51	12.41	-2.31	3.93	-79.87	-20.25
Filing Date Shares Outstanding	2.62	2.6	2.59	2.45	2.18	1.99
Total Common Shares Outstanding	2.62	2.6	2.59	2.36	2.16	1.99
Book Value Per Share	20.42	20.13	20.31	20.53	20.75	17.46
Tangible Book Value	53.05	51.79	52.03	47.85	42.05	31.99
Tangible Book Value Per Share	20.22	19.92	20.08	20.26	19.48	16.06

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 10, 2026

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