Quaint Oak Bancorp Inc
quaintoak.comWhat Do They Do?
Takes deposits and makes commercial real estate, business and residential loans for individuals and businesses, and offers mortgage, title and insurance services.
10-K for FY2025, filed Mar 27, 2026
How Do They Make Money?
It earns interest on loans and securities, gains when mortgage loans are sold, and title fees after real estate settlements are completed; account charges recur monthly or apply when a requested transaction is completed.
10-K for FY2025, filed Mar 27, 2026The Company’s primary sources of revenue are derived from interest and dividends earned on loans and investment securities, mortgage…View ↗
One-to-Four Family Residential Loans Originated for Sale. Quaint Oak Bank through its subsidiary, Quaint Oak Mortgage LLC, originates…View ↗
Abstract Title Fees: The Bank provides abstract title services through its wholly owned subsidiary, Quaint Oak Abstract, LLC. Fees for…View ↗
Other Fees and Service Charges: The Bank has contracts with its commercial checking deposit customers where fees are charged if the account…View ↗
$40.6M
-
10-K for FY2025, filed Mar 27, 2026
$40.6M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Mortgage Banking and Abstract Fees
Sold outright
10-K for FY2025, filed Mar 27, 2026 |
92%
FY2022: 52%
|
Mortgage Banking and Abstract Fees, FY2025
$947K Sources
|
Sold outright |
|
Real Estate Sales Commissions
Sold outright
|
0.0%
FY2022: 5.0%
|
Real Estate Sales Commissions, FY2025
$0 Sources
|
Sold outright |
|
Other Fees and Services Fees
|
8.5%
FY2022: 11%
|
Other Fees and Services Fees, FY2025
$88K Sources
|
Who Are Their Customers?
Deposit customers use the Bank’s offices, telephone and online banking, while business and property borrowers are reached through loan officers, brokers and referrals from existing customers.
10-K for FY2025, filed Mar 27, 2026
Do Revenues Turn Into Profits?
Yes. It kept 1 cent of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Mar 27, 2026
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 14, 2026
Open tableView ↗
Growing. Revenue grew 63% in 4 years, from $25M in FY2021 to $40.6M in FY2025, about 13% a year.
Exited two businesses
The earlier report listed equipment finance and real estate sales among its subsidiary businesses; the latest report says the Bank sold its interest in Oakmont Capital Holdings and discontinued Quaint Oak Real Estate.
10-K for FY2022, filed Mar 31, 2023 10-K for FY2025, filed Mar 27, 2026Quaint Oak Bancorp, Inc., a Pennsylvania corporation headquartered in Southampton, Pennsylvania, was organized in 2007 as the holding…View ↗
Quaint Oak Bancorp, Inc., a Pennsylvania corporation headquartered in Southampton, Pennsylvania, was organized in 2007 as the holding…View ↗
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