# QUAINT OAK BANK
SOUTHAMPTON, PA · FDIC certificate 35497 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $631.5M | |
| Deposits | $556.8M | |
| Loans and leases | $567.5M | |
| Total equity | $68.9M | |
| Loans / deposits | 100.77% (p90 of band) | 82.04% |
| Liquid assets / assets | 8.12% (p2 of band) | |
| Uninsured deposits / deposits | 12.42% (p7 of band) | 25.97% |
| Brokered deposits | 14.81% | |
| Wholesale funding | 14.81% (p87 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.91% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p99 of band) | -8.10% |
| AOCI / equity | 0.00% (p79 of band) | |
| ROA (annualized) | 0.44% (p10 of band) | 1.28% |
| Net interest margin | 3.09% (p12 of band) | 3.91% |
| Efficiency ratio | 81.53% (p90 of band) | |
| Noncurrent loans | 1.73% (p86 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p85 of band) | |
| Reserve coverage of noncurrent | 65.58% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 48.14% (p55 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 129 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 3 | loans exceed deposits, construction >100% equity |  |
| 2014-03 | 5 | liquid assets <10%, capital falling |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 3 |  | construction >100% equity, liquid assets <10% |
| 2014-12 | 2 |  | loans exceed deposits |
| 2015-03 | 5 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 4 |  | liquid assets <10% |
| 2015-12 | 1 |  | reserve under noncurrent, loans exceed deposits, construction >100% equity |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | loans exceed deposits | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | liquid assets <10% | reserve under noncurrent |
| 2017-09 | 3 | reserve under noncurrent |  |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 3 |  | liquid assets <10% |
| 2018-06 | 2 |  | reserve under noncurrent |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 2 | loans exceed deposits, capital falling |  |
| 2019-09 | 2 | liquid assets <10% | capital falling |
| 2019-12 | 1 |  | liquid assets <10% |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | wholesale funding >15%, liquid assets <10% |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | liquid assets <10% |
| 2021-03 | 2 | capital falling | wholesale funding >15% |
| 2021-06 | 3 | liquid assets <10% |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | leverage <7% | liquid assets <10% |
| 2022-09 | 3 | liquid assets <10% |  |
| 2022-12 | 3 | wholesale funding >15% | leverage <7% |
| 2023-03 | 5 | expense ratio p90, charge-offs p90 |  |
| 2023-06 | 5 | uninsured deposits leaving | charge-offs p90 |
| 2023-09 | 5 | charge-offs p90 | wholesale funding >15% |
| 2023-12 | 4 | assets shrinking | uninsured deposits leaving, charge-offs p90 |
| 2024-03 | 2 | charge-offs p90, reserve under noncurrent | loans exceed deposits, liquid assets <10%, expense ratio p90, assets shrinking |
| 2024-06 | 5 | loans exceed deposits, assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 4 | liquid assets <10% | reserve under noncurrent, uninsured deposits leaving |
| 2024-12 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 5 | wholesale funding >15% | assets shrinking, uninsured deposits leaving |
| 2025-09 | 5 | brokered >10% | deposits shrinking |
| 2025-12 | 6 | expense ratio p90, reserve under noncurrent | loans exceed deposits |
| 2026-03 | 5 | loans exceed deposits | charge-offs p90, wholesale funding >15% |
| 2026-06 | 6 | assets shrinking, uninsured deposits leaving | expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-26 [Southampton, PA-Based Quaint Oak Bank Provides SBA 7(a) - GlobeNewswire](https://news.google.com/rss/articles/CBMikwJBVV95cUxPV2dWSlpjYUlEUUJKT1FuNzRTR2hBWW82WElBSnhxOXFheGViREFWbVJTb2FyZ0VzVXJIamhKMDlWVFBrUDJfcDJQbkZoTDNoN3ZiSE5SOHNNb1dSR1QtOS11UE5hUU9FYVRFaE1OaGJaS1kwUzZ2MkpUenRTWmo2b0VWd0t2SmFTZkdtYjVSLUxQTUF0WHA3eHFmNHV6SWlFNEhEc2I1RzducDhidzEtZF91MkVUWlV6eksxTG9ZNWswR2NONURiRVBLcDBwR29fcEVONnZGaUVEVVNVU0o1RUxrZzh6OG85Q1VyUGsyOEo1c0d2RnNiU3BuR2ZTYnlfd0RuVkJFWk5sZXVpWlY1Y1JYcw?oc=5) · GlobeNewswire
- 2026-08-20 [Quaint Oak Bank Sponsors School Garden Education Program at Roosevelt Elementary School - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxOeGtWOHpvU0JMYVFUczNHWERpS05TVzFHNWNvVVVHT0NvWmRTWnAzWWtEUzRLYnZ2aW9BVnlIcnljaE90ekZ6Tm5RWEFhaXNCSS02cnNKQW1PZklsWk9YamU2dTl2U255eF9oX3REZERzNXpRS3RkeENaZk9lRl92TTFOX29sTTV5QWVtRnJjbHRkcGdIOWFYdVN6QTM?oc=5) · Yahoo Finance
- 2026-07-16 [Quaint Oak Bancorp, Inc. Declares Quarterly Cash Dividend - Yahoo Finance UK](https://news.google.com/rss/articles/CBMihwFBVV95cUxOQXJoSElJekxUNWhlUm9RVnhhMmZhaktNSkZZRlBZNDg4bjNya2JMamxWaWxSTVVUNGowMDU0aUdaTWJPRGxsUWpubDE1RmtzLUtxR0lCaWNGRWxONDNGSVNhLXNsX3dudFBlX1FFZGFHQ0pxa0RGdG5vZEl1TFJ2V2pPX3JmUnM?oc=5) · Yahoo Finance UK
- 2026-02-26 [Quaint Oak Bank Deepens Community Investment with The Arc of Lehigh and Northampton Counties - GlobeNewswire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNbDVhRzZOVzdDZFozV3hITWhLeFdVUFE1ZWNDYThLZWtzRWdDakpxV3FTZFhUMUp1Sk84dnVLdmFNYTRmVHlTYjAxTmY5RHM4QVktS2pJakh2V2gxblJKTEFsdnZCdkYtMGJreXpxcGhrbHlqVE5oWVBjT3NMYl9qb3VCcy1BSWZmOHZPYkhoQW80R3poaEh1Y2VBci1pS2dkMjYyTzFoaE5OZmhKQ25teEJRRjg5R0JKQzN4TnI2SEdxRUhrb09xNThZclZadEFHcXFUQTU0VHJMc202V0hJM050WDZNOVpUQ0ZhTFZJQVVHb3dQclhr?oc=5) · GlobeNewswire
- 2025-06-21 [Quaint Oak Bank Announces Its Newest Endeavor Oakmont Commercial, LLC - fintechfutures.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPOHFRMXBIaVZybjBfUXVJc0F6REVVeTA2N2packotU2J0VFp4cHRROUlJVWxMVWtiWXNCQnA1VmZNTFRESTlSU09wMGxESnJ0Y2RNZXoyeHkxQy1QeWJLdmthaG90UzBSM1BaVXdsT2RuTkNTaEphc1d4d2puR1dHbzBRYUlRWnVqY0dCeGNNMW1penZSRGZWRU5oTU4wMXpHdGl2U04tdlZVblVEZ01QUW53UEE?oc=5) · fintechfutures.com
- 2026-01-30 [Quaint Oak Bank Celebrates 100 Years of Growing with You - GlobeNewswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxPVlRDVTJRLTV6d0JyTFY0enp4N0ZNeGxwclpZTHN5dGdzQ0F2UElLNFlhYjZPa3Y0SVZnTXBCX0RDQWxpdmtuMEtGWWZobTZaU0VVYlk3S3VaMTBlODhULWx5bWNzeFBnNndKaGwyaG9JSURadnZ4Xy1LYTN5VXBBcmdScDBjX1E3N2x4STNtVGhzQVhwdVlBMV9ram5vZWZ5NHV3bDRjLVY0LW9meVVmOG54R1g4RWhoVDQ5NG9WX2s5Z0wwUzNZ?oc=5) · GlobeNewswire
- 2026-06-25 [Quaint Oak Bank Supports Launch of Immigration Law Practice Through SBA 7(a) Financing - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxOM1FONWU5VGg2dm9rVGxINW9vWFhiRXplTk1vSGFhRDVKQ0x5dG8wTzhrSzhkLXpPTXdQdGU4OEs4Q2JETGN5SS16TmJLQXBXY2h2ZkM5Z2F2cHB6S1pQT1BXNUVDQnkyVTNjVGpXMVpGUzJlMmhiLVVOTkd2RmI2TlR0X3otblpuS3o5b0pQUXNkQ3BVa2ZOd0hXN3E?oc=5) · Yahoo Finance
- 2025-03-28 [Quaint Oak Bancorp Inc (QNTO) reports earnings - qz.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE54TTdheURVbkp1d3VUd0dKVVVtTkl2al9VTzdhdGkzbF9rMHVCQmxPMERobjFYeVRuSVJhcFlLU1B0Y1RmZnhKVUM1Z0hqMGZkZDJuQVlOQzdQaks5RkI5ZGszbVg3UWZieHkyeGc2M1VSemVwbGxOTnJR?oc=5) · qz.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35497 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "35497", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide