Quaint Oak Bancorp Inc. Reports Decline in Q4 Profit

Quaint Oak Bancorp Inc. (NASDAQ: QNTO) reported a decline in fourth-quarter 2025 net income, citing higher provisioning for credit losses and elevated operating expenses. The company posted net income of $1.8 million, or $0.32 per diluted share, down from $2.4 million, or $0.43 per share, in the same period a year earlier. Total revenue for the quarter ended December 31, 2025, was $12.1 million, a modest 2% increase year-over-year, driven by growth in interest income. However, non-interest expenses rose 9% to $7.6 million, primarily due to compliance and technology investments. The bank also increased its allowance for loan losses by $650,000 amid cautious economic outlook assumptions.