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Quaint Oak Bancorp Inc's Business Segments
Quaint Oak Bancorp Inc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q2 FY2026
Reportable Segments
1
Largest Segment
Quaint Oak Bank Mortgage Other Fees and Services Fees
Total Revenue
$ 6
Regions Reported
-
Revenue Share by Reportable Segment - Q2 FY2026
- Quaint Oak Bank Mortgage Other Fees and Services Fees4%
Revenue by Reportable Segment - Q2 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Quaint Oak Bank Mortgage Other Fees and Services Fees | $ 0 | 4% |
Description of Quaint Oak Bancorp Inc
Quaint Oak Banks primary business consists of attracting deposits from the general
public through a variety of deposit programs and investing such deposits principally
in residential, commercial real estate, construction loans, multi-family, home
equity loans and commercial lines of credit secured by property in our market
area. To a lesser extent, the Bank also invests in commercial business loans and
other consumer loans. In addition, Quaint Oak Bank offers mortgage banking, real
estate sales and title abstract services through its subsidiary companies. Quaint
Oak Bank serves its customers through its offices as well as through correspondence,
telephone and on-line banking.
Quaint Oak Bancorp Inc. operates through its primary subsidiary, Quaint Oak Bank, which offers a diverse range of financial products and services geared toward both individual consumers and business clients. Below is an extensive description of each segment, including the various types of loans and services that the bank provides.
Segments, Products, and Services
1. Residential Loans
- One-to-Four Family Residential Owner Occupied Real Estate Loans: Quaint Oak Bank originates these loans with an emphasis on fixed interest rates. While the bank recognizes the market for owner-occupied residences, they do not prioritize holding these loans in their loan portfolio. This strategic choice aligns with their goal of diversifying their offerings with higher-yielding, shorter-term products.
- One-to-Four Family Residential Non-Owner Occupied Real Estate Loans: A core component of Quaint Oak Banks lending activities, these loans are secured by single-family homes that are not owner-occupied. The bank typically lends in a first lien position, offering both fixed and variable rates with terms generally extending to up to 15 years or more. Most of these loans are structured with fixed rates and three- or five-year maturities, with a strict limit of 75% of the appraised value or the sale price plus improvement costs.
- One-to-Four Family Residential Loans Originated for Sale: Through Quaint Oak Mortgage LLC, the bank brokers and originates variable and fixed-rate residential loans, adhering to secondary market standards with terms not exceeding 30 years. These loans are sold in the secondary market, along with servicing rights, allowing the bank to manage liquidity efficiently.
2. Multi-Family Residential Loans: Quaint Oak Bank provides financing for multi-unit residential properties (five or more units) with both fixed and adjustable interest rates. These loans typically have terms with amortizations of up to 25 years and retain a loan-to-value ratio capped at 75%. They adhere to the underwriting criteria utilized for commercial lending, ensuring robust risk assessment.
3. Commercial Real Estate Loans and Lines of Credit: The bank extends loans secured against various types of commercial real estate. This segment is essential for businesses aiming to acquire property or facilities that support their operations.
4. Construction Loans: Specifically designed for the construction or renovation of single-family homes, these loans require a clear project plan. Quaint Oak Bank does not engage in speculative construction lending. Funds are disbursed incrementally based on construction progress, with borrowers responsible for monthly interest payments during the construction period. Upon completion, the loan amount is generally structured to remain below 70% of the propertys finished value, ensuring equity for the bank.
5. Home Equity Loans: These loans provide customers with access to credit through the equity built in their homes. Suitable for various purposes, home equity loans and lines of credit offer flexibility with shorter repayment terms, making them a practical choice for consumers looking to finance personal needs or projects.
6. Commercial Business Loans: Focused primarily on the acquisition of essential business equipment, these loans are crucial for companies looking to enhance operational efficiency or expand their capabilities. This product line supports the overall economic health of the community and fosters business growth.
Other Consumer Loans: Quaint Oak Bank also addresses the needs of its customers by offering personal loans such as auto loans and loans secured by savings accounts. This variety ensures that the bank caters to a comprehensive range of financial needs within their customer base.
Summary
Quaint Oak Bancorp Inc. and Quaint Oak Bank leverage a diversified product portfolio that spans various types of loans, aimed at both residential and commercial clients. By focusing on specific lending strategies—prioritizing higher-yielding, shorter-term loans—the bank aims to create a balanced and sustainable lending structure that aligns with its overall financial strategy and market presence. This extensive range of services positions Quaint Oak Bank as a versatile player in the banking sector, capable of meeting diverse consumer and business needs.
Segments, Products, and Services
1. Residential Loans
- One-to-Four Family Residential Owner Occupied Real Estate Loans: Quaint Oak Bank originates these loans with an emphasis on fixed interest rates. While the bank recognizes the market for owner-occupied residences, they do not prioritize holding these loans in their loan portfolio. This strategic choice aligns with their goal of diversifying their offerings with higher-yielding, shorter-term products.
- One-to-Four Family Residential Non-Owner Occupied Real Estate Loans: A core component of Quaint Oak Banks lending activities, these loans are secured by single-family homes that are not owner-occupied. The bank typically lends in a first lien position, offering both fixed and variable rates with terms generally extending to up to 15 years or more. Most of these loans are structured with fixed rates and three- or five-year maturities, with a strict limit of 75% of the appraised value or the sale price plus improvement costs.
- One-to-Four Family Residential Loans Originated for Sale: Through Quaint Oak Mortgage LLC, the bank brokers and originates variable and fixed-rate residential loans, adhering to secondary market standards with terms not exceeding 30 years. These loans are sold in the secondary market, along with servicing rights, allowing the bank to manage liquidity efficiently.
2. Multi-Family Residential Loans: Quaint Oak Bank provides financing for multi-unit residential properties (five or more units) with both fixed and adjustable interest rates. These loans typically have terms with amortizations of up to 25 years and retain a loan-to-value ratio capped at 75%. They adhere to the underwriting criteria utilized for commercial lending, ensuring robust risk assessment.
3. Commercial Real Estate Loans and Lines of Credit: The bank extends loans secured against various types of commercial real estate. This segment is essential for businesses aiming to acquire property or facilities that support their operations.
4. Construction Loans: Specifically designed for the construction or renovation of single-family homes, these loans require a clear project plan. Quaint Oak Bank does not engage in speculative construction lending. Funds are disbursed incrementally based on construction progress, with borrowers responsible for monthly interest payments during the construction period. Upon completion, the loan amount is generally structured to remain below 70% of the propertys finished value, ensuring equity for the bank.
5. Home Equity Loans: These loans provide customers with access to credit through the equity built in their homes. Suitable for various purposes, home equity loans and lines of credit offer flexibility with shorter repayment terms, making them a practical choice for consumers looking to finance personal needs or projects.
6. Commercial Business Loans: Focused primarily on the acquisition of essential business equipment, these loans are crucial for companies looking to enhance operational efficiency or expand their capabilities. This product line supports the overall economic health of the community and fosters business growth.
Other Consumer Loans: Quaint Oak Bank also addresses the needs of its customers by offering personal loans such as auto loans and loans secured by savings accounts. This variety ensures that the bank caters to a comprehensive range of financial needs within their customer base.
Summary
Quaint Oak Bancorp Inc. and Quaint Oak Bank leverage a diversified product portfolio that spans various types of loans, aimed at both residential and commercial clients. By focusing on specific lending strategies—prioritizing higher-yielding, shorter-term loans—the bank aims to create a balanced and sustainable lending structure that aligns with its overall financial strategy and market presence. This extensive range of services positions Quaint Oak Bank as a versatile player in the banking sector, capable of meeting diverse consumer and business needs.