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 Statements of Income
Consolidated Statements of Income
| Year Ended December 31, | ||
|---|---|---|
| 2025 | 2024 | |
| (In thousands, except share | ||
| and per share data) | ||
| Interest and Dividend Income | ||
| Interest on loans, including fees | $39,039 | $40,058 |
| Interest and dividends on investment securities, interest-bearing deposits with others, and Federal Home Loan Bank stock | 1,590 | 3,379 |
| Total Interest and Dividend Income | 40,629 | 43,437 |
| Interest Expense | ||
| Interest on deposits | 18,966 | 23,141 |
| Interest on Federal Home Loan Bank borrowings | 1,858 | 545 |
| Interest on Federal Reserve Bank borrowings | 1 | - |
| Interest on senior debt | 947 | - |
| Interest on subordinated debt | 954 | 1,934 |
| Total Interest Expense | 22,726 | 25,620 |
| Net Interest Income | 17,903 | 17,817 |
| Provision for Credit Losses | 1,197 | 1,506 |
| Provision for Off-Balance Sheet Credit Exposures | 20 | 28 |
| Total Provision for Credit Losses | 1,217 | 1,534 |
| Net Interest Income after Provision for Credit Losses | 16,686 | 16,283 |
| Non-Interest Income | ||
| Mortgage banking, equipment lending and title abstract fees | 947 | 909 |
| Real estate sales commissions, net | - | 20 |
| Insurance commissions | 820 | 744 |
| Other fees and services charges | 88 | 728 |
| Income from bank-owned life insurance | 128 | 118 |
| Net gain on loans held for sale | 3,745 | 3,699 |
| Gain on the sale of SBA loans | 1,431 | 453 |
| Gain on sale-leaseback transaction | - | 1,485 |
| Total Non-Interest Income, net | 7,159 | 8,156 |
| Non-Interest Expense | ||
| Salaries and employee benefits | 15,158 | 14,636 |
| Directors’ fees and expenses | 263 | 201 |
| Occupancy and equipment | 1,799 | 1,418 |
| Data processing | 1,760 | 1,298 |
| Professional fees | 1,848 | 1,087 |
| FDIC deposit insurance assessment | 530 | 614 |
| Advertising | 294 | 302 |
| Amortization of other intangible | 48 | 49 |
| Other | 1,501 | 1,413 |
| Total Non-Interest Expense | 23,201 | 21,018 |
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