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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	48.26	53.55	62.99	58.01	3.89	10.71
Investment Securities	1.01	0.91	0.91	1.91	3.83	7.92
Mortgage-Backed Securities	0.61	0.88	1.67	2.34	2.97	4.03
Total Investments	1.62	1.79	2.58	4.25	6.8	11.96
Gross Loans	527.84	546.86	541.57	625.23	630.76	411.87
Allowance for Loan Losses	-6.44	-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	521.4	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	0.03	0.08	0.13	0.17	0.22
Loans Held for Sale	39.7	60.96	64.28	36.45	133.22	107.82
Accrued Interest Receivable	3.5	3.79	3.96	3.5	3.46	3.14
Other Current Assets	7.54	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	0.5	0.36	-	-	-	-
Other Long-Term Assets	5.53	5.19	4.85	4.71	4.56	4.46
Total Assets	630.34	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	4.96	0.46	5.13	2.44	9.57	5.99
Interest Bearing Deposits	486.72	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	64.06	65.67	59.78	92.22	88.73	64.73
Total Deposits	550.77	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	0.97	1.09	0.94	0.54	0.58	0.17
Other Current Liabilities	-	-	-	13.17	-	-
Long-Term Debt	17.71	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	2.96	2.92	3.38	3.73	4.19	2.86
Total Liabilities	577.37	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	52.97	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	52.97	52.33	52.62	48.49	44.79	34.79
Minority Interest	-	-	-	3.07	4.29	2.12
Shareholders' Equity	52.97	52.33	52.62	51.57	49.08	36.91
Total Liabilities & Equity	630.34	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	17.71	21.78	69.86	50.98	179.68	61.02
Net Cash (Debt)	31.57	32.68	-5.95	8.94	-171.95	-42.39
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	11.89	12.41	-2.31	3.93	-79.87	-20.25
Filing Date Shares Outstanding	2.61	2.6	2.59	2.45	2.18	1.99
Total Common Shares Outstanding	2.61	2.6	2.59	2.36	2.16	1.99
Book Value Per Share	20.27	20.13	20.31	20.53	20.75	17.46
Tangible Book Value	52.45	51.79	52.03	47.85	42.05	31.99
Tangible Book Value Per Share	20.07	19.92	20.08	20.26	19.48	16.06

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Aug 16, 2026

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