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Quaint Oak
Quaint Oak (QNTO) investor relations material
Quaint Oak Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Feb, 2026
Executive summary
Net income for Q4 2025 was $174,000 ($0.07/share), down from $1.6 million ($0.60/share) in Q4 2024; full-year 2025 net income was $322,000 ($0.12/share), down from $2.8 million ($1.08/share) in 2024.
2025 focused on technology and personnel investments, increasing non-interest expense by $2.2 million year-over-year.
SBA loan originations doubled to $36.2 million in 2025, and the international correspondent banking business line moved from investment to activation.
Oakmont Commercial pivoted to an originate-and-sell model, expected to boost fee income and capital efficiency.
Financial highlights
Q4 2025 net income fell 89% year-over-year, mainly due to a $662,000 increase in non-interest expense and a $2.4 million drop in non-interest income.
Full-year 2025 net income dropped 88.5% year-over-year, driven by a $2.8 million decrease in interest and dividend income, $2.2 million higher non-interest expense, and $997,000 lower non-interest income.
Interest and dividend income for the year fell 6.5% due to lower average loan and deposit balances.
Interest expense decreased $2.9 million (11.3%) year-over-year, mainly from lower money market and business checking balances, partially offset by higher certificate of deposit and FHLB borrowing costs.
Non-interest income fell due to the absence of a $1.5 million gain from a 2024 sale-leaseback and lower loan sale gains.
Non-interest expense rose due to higher professional fees, salaries, and technology investments.
Outlook and guidance
Management expects results from the international correspondent banking business in 2026, with long-term investments positioning for growth.
SBA lending momentum is strong, with operations normalized after a temporary government shutdown impact.
The originate-and-sell model at Oakmont Commercial is anticipated to increase fee income and support capital ratios.
Oakmont Commercial's fee income growth outlook
When will int'l banking investments boost net income?
Outlook for rising non-performing loans and Texas Ratio
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Next Quaint Oak earnings date
Q1 202630 Apr, 2026
Quaint Oak
Next Quaint Oak earnings date
Q1 202630 Apr, 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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