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Quaint Oak (QNTO) investor relations material

Quaint Oak Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary31 Jul, 2025

Executive summary

  • Net income for Q2 2025 was $272,000 ($0.10 per share), up 172% year-over-year; six-month net income was $189,000, down 80.6% from the prior year due to lower interest income and higher expenses.

  • Quarterly improvement was driven by lower interest expense and higher non-interest income, offset by increased provision for credit losses and non-interest expense.

  • The company sold its 51% stake in Oakmont Capital Holdings and discontinued Quaint Oak Real Estate operations in March 2024, classifying them as discontinued operations.

  • Asset quality ratios improved; non-performing assets at 0.89% of total assets and Texas Ratio at 9.24% as of June 30, 2025.

  • Loan closings and asset growth stabilized through regular loan sales into the secondary market.

Financial highlights

  • Net interest income for Q2 2025 rose 10.6% to $4.5 million year-over-year; for six months, it fell 8.8% to $8.6 million.

  • Non-interest income for Q2 increased by 49.3% year-over-year, mainly from gains on loan and SBA loan sales; for six months, it rose 28.4%.

  • Non-interest expense for Q2 rose by 5.7% year-over-year, led by higher data processing, occupancy, and other expenses.

  • Interest and dividend income for Q2 decreased by $703,000 (6.5%) year-over-year; interest expense fell by $1.1 million (16.6%).

  • EPS from continuing operations was $0.10 for Q2 2025, up from $0.04 year-over-year; book value per share at period end was $19.83.

Outlook and guidance

  • Management highlights ongoing risks from economic and competitive conditions, interest rate changes, and regulatory requirements.

  • Expenses are expected to remain stable except for certain one-time costs in the second half of 2025 related to business line build-out.

  • Management remains focused on long-term profitability and maintaining strong capital ratios.

  • No material changes in risk factors from the prior annual report; forward-looking statements caution on uncertainties.

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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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