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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