Note 12 - Operating Segments - Summary of Financial Information for the Reportable Segments (Details) - USD ($)

3 Months Ended

6 Months Ended

Jun. 30, 2025

Jun. 30, 2024

Jun. 30, 2025

Jun. 30, 2024

Dec. 31, 2024

Net Interest Income

$ 4,505,000

$ 4,074,000

$ 8,649,000

$ 9,484,000

Provision for credit losses, total

437,000

(41,000)

878,000

1,095,000

Net Interest Income after Provision for Credit Losses

4,068,000

4,115,000

7,771,000

8,389,000

Insurance commissions

196,000

176,000

381,000

328,000

Income from bank-owned life insurance

32,000

28,000

62,000

57,000

Net gain on loans held for sale

1,046,000

561,000

2,102,000

1,495,000

Gain on the sale of SBA loans

511,000

98,000

818,000

127,000

Total Non-Interest Income

1,947,000

1,304,000

3,707,000

2,886,000

Salaries and employee benefits

3,642,000

3,673,000

7,292,000

7,335,000

Directors’ fees and expenses

65,000

50,000

130,000

101,000

Occupancy and equipment

432,000

416,000

863,000

666,000

Data processing

439,000

311,000

841,000

573,000

Professional fees

174,000

156,000

397,000

297,000

FDIC deposit insurance assessment

135,000

163,000

256,000

336,000

Advertising

100,000

73,000

199,000

160,000

Amortization of Intangible Assets

12,000

24,000

Other

534,000

382,000

1,075,000

869,000

Total Non-Interest Expense

5,533,000

5,236,000

11,077,000

10,361,000

Pretax Segment Profit (Loss)

482,000

183,000

401,000

914,000

Segment Assets

670,760,000

701,886,000

670,760,000

701,886,000

$ 685,168,000

Net Loss Attributable to Noncontrolling Interest

(406,000)

Mortgage Banking and Abstract Fees [Member]

Non-interest revenue

280,000

183,000

426,000

390,000

Real Estate Sales Commissions [Member]

Non-interest revenue

16,000

20,000

Other Fees and Services Fees [Member]

Non-interest revenue

(119,000)

240,000

(87,000)

466,000

Loan Servicing Fee [Member]

Non-interest revenue

1,000

2,000

5,000

3,000

Quaint Oak Bank [Member]

Net Interest Income

4,123,000

^[1]

3,853,000

^[2]

8,015,000

^[1]

9,109,000

^[2]

Provision for credit losses, total

437,000

^[1]

(115,000)

^[2]

878,000

^[1]

1,010,000

^[2]

Net Interest Income after Provision for Credit Losses

3,686,000

^[1]

3,968,000

^[2]

7,137,000

^[1]

8,099,000

^[2]

Insurance commissions

196,000

^[1]

176,000

^[2]

381,000

^[1]

328,000

^[2]

Income from bank-owned life insurance

32,000

^[1]

28,000

^[2]

62,000

^[1]

57,000

^[2]

Net gain on loans held for sale

658,000

561,000

1,000,000

1,166,000

Gain on the sale of SBA loans

511,000

^[1]

98,000

^[2]

818,000

^[1]

127,000

^[2]

Total Non-Interest Income

1,557,000

^[1]

1,191,000

^[2]

2,602,000

^[1]

2,437,000

^[2]

Salaries and employee benefits

3,374,000

^[1]

3,313,000

^[2]

6,645,000

^[1]

6,615,000

^[2]

Directors’ fees and expenses

65,000

^[1]

50,000

^[2]

130,000

^[1]

101,000

^[2]

Occupancy and equipment

432,000

^[1]

416,000

^[2]

862,000

^[1]

666,000

^[2]

Data processing

439,000

^[1]

311,000

^[2]

841,000

^[1]

573,000

^[2]

Professional fees

159,000

^[1]

149,000

^[2]

367,000

^[1]

281,000

^[2]

FDIC deposit insurance assessment

135,000

^[1]

163,000

^[2]

256,000

^[1]

336,000

^[2]

Advertising

93,000

^[1]

69,000

^[2]

184,000

^[1]

152,000

^[2]

Amortization of Intangible Assets

12,000

^[1]

12,000

^[2]

24,000

^[1]

24,000

^[2]

Other

527,000

^[1]

378,000

^[2]

1,058,000

^[1]

853,000

^[2]

Total Non-Interest Expense

5,236,000

^[1]

4,861,000

^[2]

10,367,000

^[1]

9,601,000

^[2]

Pretax Segment Profit (Loss)

7,000

^[1]

298,000

^[2]

(628,000)

^[1]

935,000

^[2]

Segment Assets

626,596,000

^[1]

636,374,000

^[2]

626,596,000

^[1]

636,374,000

^[2]

Net Loss Attributable to Noncontrolling Interest

^[1]

(406,000)

^[2]

Quaint Oak Bank [Member] | Mortgage Banking and Abstract Fees [Member]

Non-interest revenue

280,000

^[1]

183,000

^[2]

426,000

^[1]

390,000

^[2]

Quaint Oak Bank [Member] | Real Estate Sales Commissions [Member]

Non-interest revenue

^[1]

16,000

^[2]

^[1]

20,000

^[2]

Quaint Oak Bank [Member] | Other Fees and Services Fees [Member]

Non-interest revenue

(121,000)

^[1]

127,000

^[2]

(90,000)

^[1]

346,000

^[2]

Quaint Oak Bank [Member] | Loan Servicing Fee [Member]

Non-interest revenue

1,000

^[1]

2,000

^[2]

5,000

^[1]

3,000

^[2]

Quaint Oak Bank, Mortgage [Member]

Net Interest Income

382,000

221,000

634,000

375,000

Provision for credit losses, total

74,000

85,000

Net Interest Income after Provision for Credit Losses

382,000

147,000

634,000

290,000

Insurance commissions

Income from bank-owned life insurance

Net gain on loans held for sale

388,000

1,102,000

329,000

Gain on the sale of SBA loans

Total Non-Interest Income

390,000

113,000

1,105,000

449,000

Salaries and employee benefits

268,000

360,000

647,000

720,000

Directors’ fees and expenses

Occupancy and equipment

1,000

Data processing

Professional fees

15,000

7,000

30,000

16,000

FDIC deposit insurance assessment

Advertising

7,000

4,000

15,000

8,000

Amortization of Intangible Assets

Other

7,000

4,000

17,000

16,000

Total Non-Interest Expense

297,000

375,000

710,000

760,000

Pretax Segment Profit (Loss)

475,000

(115,000)

1,029,000

(21,000)

Segment Assets

44,164,000

65,512,000

44,164,000

65,512,000

Net Loss Attributable to Noncontrolling Interest

Quaint Oak Bank, Mortgage [Member] | Mortgage Banking and Abstract Fees [Member]

Non-interest revenue

Quaint Oak Bank, Mortgage [Member] | Real Estate Sales Commissions [Member]

Non-interest revenue

Quaint Oak Bank, Mortgage [Member] | Other Fees and Services Fees [Member]

Non-interest revenue

2,000

113,000

3,000

120,000

Quaint Oak Bank, Mortgage [Member] | Loan Servicing Fee [Member]

Non-interest revenue

$ 0

Mortgage Banking and Abstract Fees [Member]

Non-interest revenue

$ 183,000

$ 390,000

[1]	Includes Quaint Oak Bancorp, Inc. and the Bank’s subsidiaries, Quaint Oak Mortgage, Quaint Oak Abstract, Quaint Oak Insurance Agency, QOB Properties, and Oakmont Commercial.
[2]	Includes Quaint Oak Bancorp, Inc. and the Bank’s subsidiaries, Quaint Oak Mortgage, Quaint Oak Real Estate, Quaint Oak Abstract, Quaint Oak Insurance Agency, QOB Properties, and Oakmont Commercial.

QUAINT OAK BANCORP, INC. 10-Q