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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.41% | 0.26% | 0.39% | 0.22% | 0.33% | 0.34% | 0.55% | +15 bps | |
| Return on Equity | 3.51% | 3.98% | 2.50% | 3.89% | 2.19% | 3.38% | 3.27% | 5.12% | +123 bps | |
| Net Interest Margin | 2.80% | 2.70% | 2.89% | 2.95% | 2.90% | 3.22% | 2.96% | 3.21% | +26 bps | |
| Efficiency Ratio | 82.93% | 100.83% | 84.21% | 79.53% | 85.67% | 90.33% | 87.24% | 76.12% | -341 bps | |
| Non-Interest Burden | 2.19% | 2.74% | 2.25% | 2.08% | 2.34% | 2.82% | 2.41% | 2.08% | 0 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 | 0.41% | 0.46% | 0.28% | 0.35% | 0.18% | 0.20% | 0.02% | 0.21% | -13 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 | |