Southampton, PA · Cert 35497 · Quaint Oak Bcorp Inc.
SI · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
33
Asset Quality
13
Profitability
28
Liquidity
26
Efficiency
23
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.
Southampton, PA · Cert 35497 · Quaint Oak Bcorp Inc.
SI · FDIC · 3 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #40 of 88 inst. · $0.4B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.42% | 0.26% | 0.32% | 0.29% | 0.30% | 0.34% | 0.44% | +12 bps | |
| Return on Equity | 4.53% | 4.39% | 2.50% | 3.17% | 2.84% | 2.97% | 3.27% | 4.20% | +103 bps | |
| Net Interest Margin | 3.02% | 2.98% | 2.89% | 2.91% | 2.87% | 2.97% | 2.96% | 3.14% | +23 bps | |
| Efficiency Ratio | 73.89% | 79.77% | 84.21% | 81.80% | 83.08% | 84.96% | 87.24% | 81.53% | -26 bps | |
| Non-Interest Burden | 1.94% | 2.17% | 2.25% | 2.16% | 2.19% | 2.36% | 2.41% | 2.29% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.93% | -8.79% | -15.85% | -4.17% | -3.30% | -1.37% | -1.20% | -6.03% | -186 bps | |
| Loan Growth (YoY) | -14.16% | -9.70% | -5.11% | -1.18% | -2.71% | 0.39% | 0.14% | -6.04% | -486 bps | |
| Deposit Growth (YoY) | -1.80% | -11.95% | -24.29% | -7.62% | -4.89% | 7.58% | 11.00% | 3.36% | +1,097 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 1.04% | 1.02% | 0.98% | 1.04% | 1.21% | 1.69% | 1.73% | +75 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.30% | 0.28% | 0.31% | 0.26% | 0.25% | 0.02% | 0.12% | -19 bps | |
| Allowance / Loans | 1.10% | 1.07% | 1.09% | 1.05% | 1.07% | 1.01% | 1.06% | 1.13% | +9 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.0x | 1.1x | 1.1x | 1.0x | 0.8x | 0.6x | 0.7x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.49% | 10.80% | 10.39% | 10.41% | 10.11% | 10.26% | 10.45% | 10.91% | +51 bps | |
| Total Risk-Based Capital | 13.89% | 14.34% | 13.92% | 13.71% | 13.56% | 13.55% | 14.31% | 14.85% | +114 bps | |
| Equity / Assets | 10.02% | 10.34% | 10.26% | 10.05% | 9.86% | 9.96% | 10.56% | 10.91% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.19% | 107.91% | 113.66% | 112.12% | 108.63% | 100.70% | 102.54% | 101.92% | -1,019 bps | |
| Liquid Assets / Assets | 8.72% | 8.77% | 7.19% | 7.15% | 7.41% | 7.48% | 6.36% | 7.55% | +40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 592% | 606% | 571% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | 0.63% | 0.93% | 2.39% | Beats 16% | 26 / 31 | ||
| Return on Equity | 4.15% | 4.15% | 7.07% | 14.29% | Beats 23% | 24 / 31 | ||
| Net Interest Margin | 3.14% | 2.72% | 3.26% | 3.84% | Beats 45% | 17 / 31 | ||
| Efficiency Ratio | 81.70% | 49.04% | 63.83% | 80.34% | Beats 23% | 25 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.73% | 0.00% | 0.24% | 1.22% | Beats 15% | 24 / 27 | ||
| Net Charge-Offs / Loans | 0.07% | n/a | n/a | 0.01% | Beats 11% | 25 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.60% | 13.01% | 19.43% | 42.39% | Beats 29% | 22 / 31 | ||
| Total Risk-Based Capital Ratio | 14.85% | 13.95% | 20.55% | 43.38% | Beats 29% | 22 / 31 | ||
| Equity / Assets | 10.91% | 9.21% | 12.36% | 21.28% | Beats 42% | 18 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.92% | 52.41% | 83.15% | 99.86% | 81st pctl | 6 / 31 | ||
| Loans / Assets | 89.88% | 37.80% | 67.87% | 79.23% | 94th pctl | 2 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||