QUAINT OAK BANK

SOUTHAMPTON, PA | Medium | Est. Jan. 1, 1926, midnight | FDIC #35497 | RSSD #815277 | FDIC
Latest Report: 2025-12-31

QUAINT OAK BANK is amn medium FDIC-insured commercial bank headquartered in SOUTHAMPTON, PA, established in Jan. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $677M and total deposits of $604M. Profitability stands at 0.33% ROA and 3.38% ROE, with a net interest margin of 3.38%. The bank's CET1 capital ratio is 12.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.96% and a Texas Ratio of 8.41%. FDIC Certificate #35497.

Assets

$677M

Deposits

$604M

Loans

$608M

Equity

$67M

Profitability

Return on Assets (ROA) 0.33%
Return on Equity (ROE) 3.38%
Net Interest Margin (NIM) 3.38%
Yield on Assets 6.62%
Cost of Funds 3.34%

Asset Quality

NPL Ratio 0.96%
Net Charge-Off Ratio 0.25%
Texas Ratio 8.41%
NPA Ratio 0.92%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 12.36%
Tier 1 Capital 12.36%
Total Capital Ratio 13.55%
Leverage Ratio 10.26%
Loan-to-Deposit 100.70%

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