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The Lender Report built this page from public records. Quaint Oak Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Quaint Oak Bank itself. Each figure shows its source and date. Work at Quaint Oak Bank? You can claim this page for free.
Savings institution, Southampton, PA
Quaint Oak Bank
A savings institution based in Southampton, PA. Its commercial book is led by owner-occupied CRE and C&I. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Savings institution
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $485M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 95
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $631M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 866-795-4499 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.quaintoak.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- quaintoak.comFrom the lender's website, retrieved November 11, 2026.
- Address
- 501 Knowles Ave, Southampton, PA 18966FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Quaint Oak Bank's Construction balance rose 41.3% to $33.2M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 38 under Preferred Lender authority, 17 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Fiscal 2026 | The holding company reported a balance of $28.3M still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. | SEC 10-Q and 10-K filings, |
| 2023-10 to 2026-09 | Named as the lender on 3 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Illinois | SBA 7(a), Sign Manufacturing | $1M | 9.5% | 1 yr | SBA FOIA | |
| Jul 2026 | Maryland | SBA 7(a), Private Mail Centers | $460K | 9% | 10 yr | SBA FOIA | |
| Jun 2026 | Virginia | SBA 7(a), All Other Amusement and Recreation Industries | $920K | 9.25% | 10 yr | SBA FOIA | |
| May 2026 | Pennsylvania | SBA 7(a), Site Preparation Contractors | $500K | 8.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Illinois | SBA 7(a), Sign Manufacturing | $4.6M | 9.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Minnesota | SBA 7(a), Landscaping Services | $3M | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Vermont | SBA 7(a), Manufacturing | $1.1M | 9% | 25 yr | SBA FOIA | |
| Apr 2026 | New Jersey | SBA 7(a), All Other Health and Personal Care Retailers | $920K | 9.25% | 10 yr | SBA FOIA | |
| Apr 2026 | Pennsylvania | SBA 7(a), General Automotive Repair | $920K | 9.25% | 25 yr | SBA FOIA | |
| Apr 2026 | Minnesota | SBA 7(a), Landscaping Services | $250K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Pennsylvania | SBA 7(a), General Automotive Repair | $50K | 9.25% | 10 yr | SBA FOIA | |
| Mar 2026 | Texas | SBA 7(a), All Other Amusement and Recreation Industries | $530K | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Pennsylvania | SBA 7(a), All Other Amusement and Recreation Industries | $430K | 9% | 10 yr | SBA FOIA | |
| Feb 2026 | Georgia | SBA 7(a), All Other Amusement and Recreation Industries | $440K | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Maryland | SBA 7(a), Janitorial Services | $3.1M | 8.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Pennsylvania | SBA 7(a), Couriers and Express Delivery Services | $1.4M | 9% | 10 yr | SBA FOIA | |
| Jan 2026 | Connecticut | SBA 7(a), Fitness and Recreational Sports Centers | $870K | 9% | 10 yr | SBA FOIA | |
| Jan 2026 | Maryland | SBA 7(a), Janitorial Services | $500K | 8.75% | 10 yr | SBA FOIA | |
| Dec 2025 | Georgia | SBA 7(a), Landscaping Services | $3M | 8.75% | 10 yr | SBA FOIA | |
| Dec 2025 | Washington | SBA 7(a), All Other Amusement and Recreation Industries | $550K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2025 | Pennsylvania | SBA 504, Full-Service Restaurants | $410K | 10 yr | SBA FOIA | ||
| Oct 2024 | Pennsylvania | SBA 504, Car Washes | $2M | 25 yr | SBA FOIA | ||
| Sep 2024 | Pennsylvania | SBA 504, Other Services (except Public Administration) | $340K | 25 yr | SBA FOIA | ||
| Aug 2024 | Pennsylvania | SBA 504, Sports and Recreation Instruction | $820K | 25 yr | SBA FOIA | ||
| Jul 2024 | Pennsylvania | SBA 504, Administrative and Support and Waste Management and Remediation Services | $850K | 25 yr | SBA FOIA | ||
| 83 SBA 7(a) loans since October 2023, net of cancelled | $65.8M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 3 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Quaint Oak Bank as the lender, totaling $8.70M.
| Property class | Mortgages | Dollars |
|---|---|---|
| Other | 2 | $8.40M |
| Industrial | 1 | $270K |
| Borough | Mortgages |
|---|---|
| Queens | 2 |
| Brooklyn | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $36.4M | 6.4% | -5.7% |
| Construction and land development | $33.2M | 5.8% | +27.5% |
| Owner-occupied CRE | $200M | 35.2% | -4.8% |
| Non-owner-occupied CRE | $101M | 17.8% | -18.9% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $115M | 20.3% | -4.8% |
| Commercial total | $485M |
Reference only: $82.4M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $661M |
| Q4 2023 | $601M |
| Q1 2024 | $541M |
| Q2 2024 | $537M |
| Q3 2024 | $549M |
| Q4 2024 | $535M |
| Q1 2025 | $515M |
| Q2 2025 | $520M |
| Q3 2025 | $522M |
| Q4 2025 | $527M |
| Q1 2026 | $503M |
| Q2 2026 | $485M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 83 | $65.8M | $500K | $4.8M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 28 | $28.6M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 12 | $16.0M | $833K | $5M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
| Industry | Loans | Dollars |
|---|---|---|
| Snack and Nonalcoholic Beverage Bars | 13 | $6.62M |
| Fitness and Recreational Sports Centers | 10 | $6.21M |
| All Other Amusement and Recreation Industries | 9 | $4.76M |
Other lenders in these fields: SBA lenders for restaurants, SBA lenders for gyms and fitness businesses.
Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Quaint Oak Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $9,046,000 for 1-4 family residential construction and $0 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $27,418,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 683 | $13.9M |
| Over $100,000 up to $250,000 | 86 | $12.7M |
| Over $250,000 up to $1 million | 74 | $39.0M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 8 | $246K |
| Over $100,000 up to $250,000 | 96 | $6.12M |
| Over $250,000 up to $1 million | 208 | $51.5M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Pennsylvania HQ | 3 | 19 | 9 | ||
| Texas | 0 | 8 | 0 | ||
| New Jersey | 0 | 4 | 3 | ||
| New York | 0 | 7 | 0 | ||
| Virginia | 0 | 7 | 0 | ||
| North Carolina | 0 | 6 | 0 | ||
| Florida | 0 | 4 | 0 | ||
| Georgia | 0 | 4 | 0 | ||
| Ohio | 0 | 4 | 0 | ||
| Illinois | 0 | 3 | 0 | ||
| Maryland | 0 | 3 | 0 | ||
| South Carolina | 0 | 3 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Quaint Oak Bank has 3 offices in 3 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 3 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Bucks County, PA | 1 | 0 |
| Lehigh County, PA | 1 | 0 |
| Philadelphia County, PA | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $11.1M | $5.64M to $15.2M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 231.3% | 8.0% to 394.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 44.9% | 1.1% to 111.6% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 101.9% | 75.1% to 87.4% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $9.05M | $3.00M to $41.1M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 89.9% | 60.5% to 77.9% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 38 loans (45.8%)
- SBA Express
- 17 loans
- Approval to first disbursement
- 45 days, median of 74
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Woodlands Bank | PA | $640M | $246M |
| PS Bank | PA | $675M | $252M |
| New Tripoli Bank | PA | $674M | $244M |
| Hamlin Bank and Trust Company | PA | $503M | $28.4M |
| Cfsbank | PA | $773M | $89.9M |
| Enterprise Bank | PA | $525M | $324M |
| Mercer County State Bank | PA | $611M | $289M |
| Marion Center Bank | PA | $425M | $156M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Quaint Oak Bank, FDIC certificate 35497. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $631M in total assets and $485M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 95 recorded loans from SBA files, through September 30, 2026: 83 SBA 7(a) in 36 months, 12 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Quaint Oak Bank]
- Phone and website. Phone 866-795-4499, from the lender's website on November 9, 2026. Website quaintoak.com, from the FDIC record. [How to reach them]
- Recorded mortgages, New York City. 3 recorded mortgages in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 35497
- RSSD
- 815277
- The Lender Report ID
- lr_002191
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $631.5M in total assets as of June 30, 2026 (FDIC call report).
- Held $485.5M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $199.6M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $115M of commercial and industrial loans as of June 30, 2026 (FDIC call report).
- Held $101.3M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Recorded 86 SBA 7(a) approvals totaling $69.9M from October 1, 2023 to September 30, 2026, of which 3 were later cancelled (SBA).
7 more sentences
- Provided the first lien on 12 SBA 504 projects with $16M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 3 offices in 1 state (FDIC).
- Quaint Oak Bancorp, Inc. reported in its 10-Q for the period ended 2026-06-30 that the company and all of its subsidiaries together still held $28.3M of loans originated in fiscal 2026 (SEC filing).
- Held 843 commercial and industrial loans that were $1 million or less when made, with a balance of $65.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 312 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $57.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $9M for 1-4 family and $0 for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 3 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $8.7M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Quaint Oak Bank, https://lender.report/lender/quaint-oak-bank-pa/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- SEC 10-Q and 10-K filings, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Quaint Oak Bank? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem