QUAINT OAK BANCORP, INC.

For the period ended Dec 31, 2025. Filed Mar 27, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 27, 2026

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Contents

EX-13.0 · Consolidated Statements of Stockholders’ Equity

Consolidated Statements of Stockholders’** Equity**

Number of Shares Outstanding · Amount · Additional Paid-in Capital · Treasury Stock · Accumulated Other Comprehensive Income (Loss) · Retained Earnings · Total Stockholders’ Equity
BALANCE – DECEMBER 31, 2023	2,407,048	$29	$20,299	$(3,568)		$(10)	$31,741	$48,491
Issuance of stock for capital raise	213,318	2	2,446					2,448
Treasury stock purchased	(13,855)			(150)				(150)
Reissuance of treasury stock under 401(k) Plan	11,024		47	72				119
Reissuance of treasury stock under stock incentive plan	9,000		(58)	58				-
Stock based compensation expense			242					242
Cash dividends declared ($0.52 per share)							(1,338)	(1,338)
Net income							2,795	2,795
Other comprehensive income, net						10		10
BALANCE –DECEMBER 31, 2024	2,626,535	$31	$22,976	$(3,588)	$	-	$33,198	$52,617
Treasury stock purchased	(4,221)			(44)				(44)
Reissuance of treasury stock under 401(k) Plan	7,164		28	46				74
Reissuance of treasury stock under stock incentive plan	8,500		(56)	56				-
Stock based compensation expense			251					251
Cash dividends declared ($0.34 per share)							(894)	(894)
Net income							322	322
Other comprehensive income, net						3		3
BALANCE –DECEMBER 31, 2025	2,637,978	$31	$23,199	$(3,530)		$3	$32,626	$52,329

Consolidated Statements of Cash Flows

	Year Ended December 31,
	2025	2024
(In Thousands)
Cash Flows from Operating Activities
Net income from continuing operations	$322	$2,389
Net income from discontinued operations	-	406
Net income	322	2,795
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	1,217	1,534
Depreciation expense	718	602
Amortization, net	442	59
Accretion of deferred loan fees and costs, net	(179)	(228)
Deferred income taxes	227	97
Stock-based compensation expense	251	242
Net gain on loans sold	(3,745)	(3,699)
Loans held for sale-originations	(180,122)	(134,348)
Loans held for sale-proceeds	187,192	135,141
Gain on the sale of SBA loans	(1,431)	(453)
Increase in the cash surrender value of bank-owned life insurance	(128)	(118)
Gain on sale - leaseback transaction	-	(1,485)
Changes in assets and liabilities which provided (used) cash:
Accrued interest receivable	172	(459)
Prepaid expenses and other assets	(445)	(2,760)
Accrued interest payable	149	395
Accrued expenses and other liabilities	(489)	2,946
Net Cash Provided by Operating Activities of Continuing Operations	4,151	261
Net Cash Provided by Operating Activities of Discontinued Operations	-	32,350
Net Cash Provided by Operating Activities	4,151	32,611
Cash Flows from Investing Activities
Redemption of interest-earning time deposits	-	1,000
Principal repayments on investment securities available for sale	787	688
Net (increase) decrease in loans receivable	(5,972)	24,312
Proceeds from the sale of Oakmont Capital Holdings, LLC	-	4,300
Purchase of Federal Home Loan Bank stock	(4,206)	(4,427)
Redemption of Federal Home Loan Bank stock	6,129	3,687
Purchase of premises and equipment	(649)	(1,177)
Sale of premises and equipment	17	3,091
Net Cash (Used in) Provided by Investing Activities	(3,894)	31,474
Cash Flows from Financing Activities
Net decrease in demand deposits, money markets, and savings accounts	(27,800)	(145,494)
Net increase in certificate accounts	71,826	67,047
Decrease in advances from borrowers for taxes and insurance	(479)	(609)
(Repayment of) proceeds from Federal Home Loan Bank borrowings	(47,855)	18,833
Net proceeds from senior debt	9,619	-
Net (repayment of) proceeds from subordinated debt	(14,146)	42
Proceeds from issuance of unallocated shares from authorized shares	-	2,448
Purchase of treasury stock	(44)	(150)
Proceeds from the reissuance of treasury stock under 401(k) plan	74	119
Dividends paid	(894)	(1,338)
Net Cash Used in Financing Activities	(9,699)	(59,102)
Net (Decrease) Increase in Cash and Cash Equivalents	(9,442)	4,983
Cash and Cash Equivalents – Beginning of Year	62,989	58,006
Cash and Cash Equivalents – End of Year	$53,547	$62,989

	Year Ended December 31,
2025 · 2024
(In Thousands)
Supplementary Disclosure of Cash Flow and Non-Cash Information:
Cash payments for interest		$22,576		$25,224
Cash payments for federal income taxes		$275	$	-
Cash payments for state income taxes		$265		$840
Transfer of loans into other real estate owned		$360	$	-
Initial recognition of operating lease right-of use assets	$	-		$2,728
Initial recognition of operating lease obligations	$	-		$2,728
Transfer of loans held for investment to loans held for sale		$(56,382)		$(57,843)
Net increase in loans receivable from transfer of loans held for investment to loans held for sale		$56,382		$57,843
Transfer of loans from Oakmont Capital Holdings, LLC	$	-		$4,388

ContentsView on SEC.gov

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