Quaint Oak Bancorp, Inc.

Quaint Oak Bancorp reported FY 2025 net income of $322K, a significant decline from the prior year. The company generated $40.6M in total interest and dividend income, offset by $22.7M in interest expense, resulting in net interest income of $17.9M. Non-interest income contributed $7.2M, primarily from net gains on loans held for sale ($3.7M) and gain on SBA loan sales ($1.4M). Total non-interest expense was $23.2M, with salaries and employee benefits accounting for $15.2M. The company ended the year with $675.9M in total assets, $597.3M in total deposits, and $52.3M in stockholders' equity, representing 7.7% of total assets. Net cash provided by operating activities was $4.2M, while investing activities used $3.9M and financing activities used $9.7M, resulting in a net decrease in cash of $9.4M.

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