QUAINT OAK BANCORP, INC.
For the period ended Dec 31, 2025. Filed Mar 27, 2026.
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FY2025 · Filed Mar 27, 2026
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EX-13.0 · Consolidated Balance Sheets
Consolidated Balance Sheets
| At December 31, | ||
|---|---|---|
| 2025 | 2024 | |
| (In thousands, except share and per share data) | ||
| Assets | ||
| Due from banks, non-interest-bearing | $1,978 | $345 |
| Due from banks, interest-bearing | 51,569 | 62,644 |
| Cash and cash equivalents | 53,547 | 62,989 |
| Investment in interest-earning time deposits | 912 | 912 |
| Investment securities available for sale | 882 | 1,666 |
| Loans held for sale | 60,956 | 64,281 |
| Loans receivable, net of allowance for credit losses (2025 $6,166; 2024 $6,476) | 540,698 | 534,693 |
| Accrued interest receivable | 3,789 | 3,961 |
| Investment in Federal Home Loan Bank stock, at cost | 291 | 2,214 |
| Bank-owned life insurance | 4,575 | 4,447 |
| Premises and equipment, net | 1,540 | 1,626 |
| Goodwill | 515 | 515 |
| Other intangible, net of accumulated amortization | 28 | 77 |
| Other real estate owned, net | 360 | - |
| Prepaid expenses and other assets | 7,760 | 7,787 |
| Total Assets | $675,853 | $685,168 |
| Liabilities and Stockholders’ Equity | ||
| Liabilities | ||
| Deposits: | ||
| Non-interest bearing | $65,665 | $59,783 |
| Interest-bearing | 531,613 | 493,469 |
| Total deposits | 597,278 | 553,252 |
| Federal Home Loan Bank borrowings | - | 47,855 |
| Senior debt, net of amortized costs | 9,619 | - |
| Subordinated debt | 8,000 | 22,000 |
| Accrued interest payable | 1,086 | 937 |
| Advances from borrowers for taxes and insurance | 2,643 | 3,122 |
| Accrued expenses and other liabilities | 4,898 | 5,385 |
| Total Liabilities | 623,524 | 632,551 |
| Stockholders’ Equity | ||
| Preferred stock – $0.01 par value, 1,000,000 shares authorized; none issued or outstanding | - | - |
| Common stock – $0.01 par value; 9,000,000 shares authorized; 3,108,993 issued as of both December 31, 2025 and 2024; 2,637,978 and 2,626,535 outstanding at December 31, 2025 and 2024, respectively | 31 | 31 |
| Additional paid-in capital | 23,199 | 22,976 |
| Treasury stock, at cost: 471,015 and 482,458 shares at and December 31, 2025 and 2024, respectively | (3,530) | (3,588) |
| Accumulated other comprehensive income | 3 | - |
| Retained earnings | 32,626 | 33,198 |
| Total Stockholders’ Equity | 52,329 | 52,617 |
| Total Liabilities and Stockholders’ Equity | $675,853 | $685,168 |
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