Quaint Oak Bank (FDIC #35497): Bank Stress & Real-Estate Credit Exposure
Quaint Oak Bank (FDIC Cert #35497): bank stress 79/100, severe, STABLE over 7 days; parent QUAINT OAK BCORP INC.
Quaint Oak Bank (#35497) lends in 3 counties across 1 state; Quaint Oak Bank (#35497) reaches 142 ZIP codes: Pennsylvania 3 counties, 142 ZIPs.
Quaint Oak Bank (#35497) largest markets: Bucks County, PA (60 branches, 60 ZIPs) (#35497), Philadelphia County, PA (49 branches, 49 ZIPs) (#35497), Lehigh County, PA (36 branches, 36 ZIPs) (#35497).
Quaint Oak Bank (#35497) reports $631.5 million in total assets; Quaint Oak Bank (#35497) equity $68.9 million (10.9% of Quaint Oak Bank (#35497) assets); Quaint Oak Bank (#35497) domestic deposits $556.8 million; Quaint Oak Bank (#35497) net income $1.4 million; Quaint Oak Bank (#35497) return on assets 0.44%; Quaint Oak Bank (#35497) return on equity 4.20%; Quaint Oak Bank (#35497) net interest income $9.7 million; Quaint Oak Bank (#35497) call report June 30, 2026.
Quaint Oak Bank (#35497) noncurrent real-estate loans: none reported; Quaint Oak Bank (#35497) net charge-offs on real estate 1.05%; Quaint Oak Bank (#35497) residential charge-offs 1.36%.
Quaint Oak Bank (#35497) net interest margin 3.09% against an eight-quarter Quaint Oak Bank (#35497) average of 2.92% (Quaint Oak Bank (#35497) compression -0.17 points); Quaint Oak Bank (#35497) non-residential real estate 135.6% of equity; Quaint Oak Bank (#35497) rate-exposure score 40/100, Quaint Oak Bank (#35497) fixed-rate trap 40/100; Quaint Oak Bank (#35497) risk type credit driven; Quaint Oak Bank (#35497) rate regime rates elevated, Quaint Oak Bank (#35497) snapshot October 19, 2026.
Quaint Oak Bank (#35497) stress score moved from 80 on June 22, 2026 to 78.5 on October 19, 2026; Quaint Oak Bank (#35497) ranged 78.5 to 80 over 116 snapshots.
Quaint Oak Bank (#35497) alerts: 3 counties; top Quaint Oak Bank (#35497) alert scores: Philadelphia County, PA 40 (moderate); Allentown County, PA 25 (low); Southampton County, PA 25 (low).