Quaint Oak Bancorp (QNTO) is a community banking company that operates through its bank subsidiary, taking deposits and originating loans. It earns money primarily on the spread between interest collected on loans and interest paid on deposits, a classic net interest margin model. Total loans outstanding, net, were $540.7 million as of December 31, 2025, down from $534.7 million at December 31, 2024 on a net basis but with average loans of $597.2 million for FY2025 versus $621.0 million for FY2024. The deposit base included approximately $354.7 million in certificates of deposit as of December 31, 2025, of which $245.4 million, roughly 41.1% of total deposits, were due to mature within one year. The company competes for deposits, loans, and other financial services against banks, thrifts, credit unions, mortgage companies, broker-dealers, and insurance companies, with larger competitors able to deploy more capital into technology and pricing.

Revenue model

Net interest income earned on the spread between loan yields and deposit funding costs. Loan categories include construction, commercial real estate, and commercial business loans. Certificates of deposit, including $62.3 million sourced through a national listing service as of December 31, 2025, form a material portion of the funding base.

Products and services

Deposit accounts including certificates of deposit, construction loans, commercial real estate loans, commercial business loans, and internet-based banking services.

Customers and end markets

Retail depositors, commercial borrowers, and real estate borrowers. Certificate of deposit customers sourced through national listing services represented 17.6% of total certificates of deposit as of December 31, 2025 and are described as interest-rate sensitive.

Value-chain role

Deposit-taking and loan-originating community bank. Relies on third-party vendors for loan servicing, deposit processing software, and communications systems.

Geographic exposure

Community bank; specific geographic markets not detailed in the filing excerpts provided.

Competitors

banks, thrifts, credit unions, mortgage companies, broker-dealers, insurance companies

Source: SEC 10-K, filed 2026-03-27

Industry: Savings Institutions, Not Federally Chartered Peers: Bancorp 34 Inc HV Bancorp, Inc. Income Opportunity Realty Investors Inc Rocket Companies Inc Texas Community Bancshares Inc