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Quaint Oak (QNTO) investor relations material
Quaint Oak Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Net loss for Q3 2025 was $41,000 ($0.02 per share), down from net income of $243,000 ($0.09 per share) in Q3 2024, mainly due to higher non-interest expenses and strategic investments in international correspondent banking.
Net income for the nine months ended September 30, 2025 was $148,000 ($0.06 per share), a decrease of 87.8% from $1.2 million ($0.47 per share) in the prior year period.
Total assets decreased 1.2% to $677.1 million at September 30, 2025, mainly due to lower cash, loans held for sale, and investment securities.
The company completed the sale of its 51% interest in Oakmont Capital Holdings, LLC and discontinued Quaint Oak Real Estate, LLC operations in March 2024.
Management remains focused on long-term profitability and shareholder value, despite short-term earnings pressure.
Financial highlights
Net interest income for Q3 2025 increased 3.4% year-over-year to $4.4 million, while for the nine months it decreased 5.0% to $13.0 million.
Non-interest income rose 44.5% in Q3 2025, mainly from higher gains on loan and SBA loan sales.
Net interest margin improved to 2.77% in Q3 2025 from 2.59% in Q3 2024; for the nine months, it rose to 2.75% from 2.61%.
Non-interest expense increased 16.3% in Q3 2025, primarily due to higher salaries, occupancy, data processing, and professional fees.
Book value per share at September 30, 2025 was $19.79, up from $19.52 a year earlier.
Outlook and guidance
Management expects continued pressure on net interest income from competitive deposit rates and economic conditions.
Strategic investment in international correspondent banking expected to provide lower-cost funding and additional non-interest income in the future.
The company maintains significant liquidity and borrowing capacity to support operations and growth.
Management anticipates long-term growth and diversification from new business lines.
When will international banking turn profitable?
Future funding cost impact of deposit shifts?
What is the loan portfolio growth strategy?
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Next Quaint Oak earnings date
Q4 202530 Jan, 2026
Next Quaint Oak earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Quaint Oak Bancorp Inc. is the holding company for Quaint Oak Bank, providing a variety of financial services to individuals and small businesses. Its offerings include personal and business banking products such as savings and checking accounts, residential and commercial loans, and mortgage solutions. The company is headquartered in Southampton, Pennsylvania, and its shares are listed on the OTCQX.
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