BlastPoint's Banking Scorecard

Quaint Oak Bank

$100M-$1B Specialty: Commercial PA FDIC cert 35497

Southampton, PA

3 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
Deposits +3.4% year over year ($556.8M on the books).
Delinquency rate 1.75%.
Return on assets 0.44%.
Efficiency ratio 81.53% vs a 64.48% peer average.
Loan-to-deposit ratio 100.77% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

Quaint Oak Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 49.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.5% in tier
- Efficiency Drag: Bottom 33.0% in tier
- ROA 0.88% below tier average
- Net Interest Margin 0.90% below tier average
- Delinquency Rate 0.83% above tier average

Get updates when Quaint Oak Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$631.5M -6.0% YoY -1.9% QoQ	+$244.9M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$561.1M -6.1% YoY -3.0% QoQ	+$302.8M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 7.5% in tier
Total Deposits ?	$556.8M +3.4% YoY -2.3% QoQ	+$230.1M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	0.44% +35.9% YoY +31.0% QoQ	-0.88%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	Bottom 10.7% in tier
Net Interest Margin ?	3.09% +6.4% YoY +3.9% QoQ	-0.90%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	Bottom 12.4% in tier
Efficiency Ratio ?	81.53% -0.3% YoY -6.5% QoQ	+17.05%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	Bottom 12.0% in tier
Delinquency Rate ?	1.75% +76.3% YoY +2.7% QoQ	+0.83%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	100.77% -9.2% YoY -0.7% QoQ	+22.81%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	Bottom 9.2% in tier
Non-Interest-Bearing Deposit Share ?	12.59% -9.1% YoY +9.2% QoQ	-9.44%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	1.63% +85.0% YoY +2.9% QoQ	+0.96%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	Bottom 10.5% in tier
Tier 1 Capital Ratio ?	13.60% +9.1% YoY +4.1% QoQ	-2.31%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.72% +21.2% YoY +110.9% QoQ	+0.16%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Top 5.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	12.6% -1.3pp YoY +1.1pp QoQ	-9.6pp	22.1%	18.7%	22.2%	16%
Brokered Deposits	16.8% +6.2pp YoY +0.4pp QoQ	+8.9pp	7.9%	6.8%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	20.5% +0.3pp YoY -0.5pp QoQ	+8.9pp	11.6%	8.6%	12.5%	89%
CRE	66.0% -0.8pp YoY 0.0pp QoQ	+26.5pp	39.5%	37.9%	41.4%	90%
1-4 Family	14.7% +0.6pp YoY +0.6pp QoQ	-17.9pp	32.6%	47.8%	31.3%	19%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	3.8%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	13.6% +1.1pp YoY +0.5pp QoQ	-5.2pp	18.8%	22.3%	19.7%	35%
Leverage Ratio	10.9% +0.5pp YoY +0.5pp QoQ	-1.3pp	12.2%	13.2%	12.6%	49%
Total Capital Ratio	14.8% +1.1pp YoY +0.5pp QoQ	-5.1pp	19.9%	23.3%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	129 -4 (-3.0%) YoY -3 (-2.3%) QoQ	+70	58	299	482	95%
Assets per Employee ($)	$4.9M -3.1% YoY +0.4% QoQ	-$2.6M	$7.5M	$9.2M	$8.8M	13%
Branch Count	3 0 YoY 0 QoQ	-2	4	20	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.2%	0.4%	71%
Nonaccrual	1.5% +0.7pp YoY -0.1pp QoQ	+0.6pp	0.9%	0.9%	1.0%	82%
Allowance Coverage	0.66x -38.5% YoY +4.1% QoQ	-23.50x	24.15x	3.63x	20.23x	16%
Net Charge-off Rate (YTD)	0.1% -0.2pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	4.2% +1.0pp YoY +0.9pp QoQ	-8.0pp	12.2%	10.2%	11.6%	11%
Cost of Funds (YTD)	3.0% -0.3pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.8%	1.7%	97%
Net Income ($, YTD)	$1.4M +32.0% YoY — QoQ	-$1.1M	$2.6M	$18.2M	$40.4M	40%

Get Full Access to Quaint Oak Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#329 of 661 • Top 49.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.72%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.44%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#60 of 691 • Bottom 8.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 100.77%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#120 of 361 • Bottom 33.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.53%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

149

Non-Interest Income / Assets

revenue_mix

Value: 0.72%

Peer Median: 0.57%

#149 of 2643 Top 5.6% in $100M-$1B

198

Total Loans

size

Value: $561.10M

Peer Median: $258.35M

#198 of 2643 Top 7.5% in $100M-$1B

412

Total Deposits

size

Value: $556.84M

Peer Median: $326.73M

#412 of 2643 Top 15.6% in $100M-$1B

454

Total Assets

size

Value: $631.47M

Peer Median: $386.57M

#454 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (7 metrics)

2400

Loan-to-Deposit Ratio

liquidity

Value: 100.77%

Peer Median: 77.95%

#2400 of 2643 Bottom 9.2% in $100M-$1B

2367

Nonperforming Asset Ratio

credit_quality

Value: 1.63%

Peer Median: 0.67%

#2367 of 2643 Bottom 10.5% in $100M-$1B

2361

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.32%

#2361 of 2643 Bottom 10.7% in $100M-$1B

2326

Efficiency Ratio

profitability

Value: 81.53%

Peer Median: 64.48%

#2326 of 2643 Bottom 12.0% in $100M-$1B

2317

Net Interest Margin

profitability

Value: 3.09%

Peer Median: 3.99%

#2317 of 2643 Bottom 12.4% in $100M-$1B

2225

Delinquency Rate

credit_quality

Value: 1.75%

Peer Median: 0.92%

#2225 of 2633 Bottom 15.5% in $100M-$1B

2222

Non-Interest-Bearing Deposit Share

funding

Value: 12.59%

Peer Median: 22.03%

#2222 of 2643 Bottom 16.0% in $100M-$1B