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

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

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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