Quaint Oak Bancorp Inc Overview
Pro stress-test →Quaint Oak Bancorp Inc is a financial services holding company for Quaint Oak Bank, a Pennsylvania-chartered stock savings bank headquartered in Southampton that conducts business through three regional offices located in the Delaware Valley, Lehigh Valley and Philadelphia markets. The company offers deposit products including money market accounts and certificates of deposit, and provides commercial real estate loans, commercial business loans, residential loans, construction loans, home equity loans, equipment financing services, and mortgage banking services.
Strategic Profile
Pro stress-test →Quaint Oak Bancorp was incorporated in 1926, positioning it as an established regional community bank with deep Pennsylvania roots. As of Q1 2026 (March 31, 2026), the company reported net income of $166,000, or $0.06 per share, compared to a net loss of $83,000 in the same period in 2025, indicating improved profitability trajectory after prior-year challenges.
Competitive Landscape
Pro stress-test →Quaint Oak competes in the fragmented community bank segment against both regional (SNNF Seneca Bancorp, PDLB Ponce Financial Group, CBAN Colony Bankcorp) and national banks in Pennsylvania's Delaware Valley, Lehigh Valley, and Philadelphia markets. Its differentiation comes from three-decades-old equipment finance platform (Oakmont Capital) and integrated mortgage/insurance subsidiaries, offsetting scale disadvantage vs. larger regional competitors. Pricing pressure and deposit competition from mega-banks remain headwinds.
Industry Context
Quaint Oak Bancorp Inc operates in Community Banking and Regional Savings Banks.
Key facts
Founded: 1926 · Headquarters: Southampton, Pennsylvania, USA · Employees: Not disclosed · Revenue: ~$8-10M (estimated from earnings; not disclosed separately) · Market cap: ~$27M (estimate)