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Quaint Oak Bank

Southampton, PA · Cert 35497 · Quaint Oak Bcorp Inc.

SI · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Quaint Oak Bank

Southampton, PA · Cert 35497 · Quaint Oak Bcorp Inc.

SI · FDIC · 3 branches

Q2 2026

$631.5MAssets
$567.5MLoans
$556.8MDeposits
$68.9MEquity
Loan mix
79%RE $463.4M21%C&I $121.5M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $486.7M13%Noninterest $70.1MQ2 2025Q2 2026

NIM

6.37%Q2 ’246.15%Q2 ’256.13%Q2 ’26+1%+8%

Non-interest income vs. expense

2.87%Q2 ’243.40%Q2 ’253.76%Q2 ’26+29%+6%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #40 of 88 inst. · $0.4B of $685.1B

1.5% Bucks
1.2% Lehigh
0.0% Philadelphia

Executive Summary

  • Earnings: ROA of 0.44%, up 12 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 1.73% of loans (+75 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.91%, up 51 bps from a year ago.
  • Funding: loans stand at 101.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.44%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+23 bps YoY

Efficiency Ratio (YTD, annualized)

81.53%-26 bps YoY

Tier 1 Leverage Ratio

10.91%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.29%0.30%0.34%0.44%+12 bps
Return on Equity3.17%2.84%2.97%3.27%4.20%+103 bps
Net Interest Margin2.91%2.87%2.97%2.96%3.14%+23 bps
Efficiency Ratio81.80%83.08%84.96%87.24%81.53%-26 bps
Non-Interest Burden2.16%2.19%2.36%2.41%2.29%+13 bps
Growth
Asset Growth (YoY)-4.17%-3.30%-1.37%-1.20%-6.03%-186 bps
Loan Growth (YoY)-1.18%-2.71%0.39%0.14%-6.04%-486 bps
Deposit Growth (YoY)-7.62%-4.89%7.58%11.00%3.36%+1,097 bps
Asset Quality
Nonperforming Loans / Loans0.98%1.04%1.21%1.69%1.73%+75 bps
Net Charge-Offs / Loans0.31%0.26%0.25%0.02%0.12%-19 bps
Allowance / Loans1.05%1.07%1.01%1.06%1.13%+9 bps
Allowance Coverage of NPLs1.1x1.0x0.8x0.6x0.7x-0.4x
Capital
Tier 1 Leverage Ratio10.41%10.11%10.26%10.45%10.91%+51 bps
Total Risk-Based Capital13.71%13.56%13.55%14.31%14.85%+114 bps
Equity / Assets10.05%9.86%9.96%10.56%10.91%+86 bps
Liquidity & Funding
Loans / Deposits112.12%108.63%100.70%102.54%101.92%-1,019 bps
Liquid Assets / Assets7.15%7.41%7.48%6.36%7.55%+40 bps
CRE / Total Capitaln/a592%606%571%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Quaint Oak Bank

Southampton, PA · Cert 35497 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · Quaint Oak Bcorp Inc.

SI · FDIC · 3 branches

Q2 2026

$631.5MAssets
$567.5MLoans
$556.8MDeposits
$68.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 45% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 17 of 31).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 25 of 27).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.45%

Rank 26 of 31

Net Interest Margin

3.14%

Rank 17 of 31

Efficiency Ratio

81.70%

Rank 25 of 31

Equity / Assets

10.91%

Rank 18 of 31

Non-interest income vs. expense

$9.1M$23.3MINCOMEEXPENSE
Unfavorable gap of $14.2M · efficiency ratio beats 23% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 81.70%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.63%0.93%2.39%Beats 16%26 / 31
Return on Equity4.15%4.15%7.07%14.29%Beats 23%24 / 31
Net Interest Margin3.14%2.72%3.26%3.84%Beats 45%17 / 31
Efficiency Ratio81.70%49.04%63.83%80.34%Beats 23%25 / 31
Asset Quality
Nonperforming Loans / Loans1.73%0.00%0.24%1.22%Beats 15%24 / 27
Net Charge-Offs / Loans0.07%n/an/a0.01%Beats 11%25 / 27
Capital
Tier 1 Capital Ratio13.60%13.01%19.43%42.39%Beats 29%22 / 31
Total Risk-Based Capital Ratio14.85%13.95%20.55%43.38%Beats 29%22 / 31
Equity / Assets10.91%9.21%12.36%21.28%Beats 42%18 / 31
Liquidity & Funding
Loans / Deposits101.92%52.41%83.15%99.86%81st pctl6 / 31
Loans / Assets89.88%37.80%67.87%79.23%94th pctl2 / 31
Brokered Deposits / Depositsn/aNot reported for this institution