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Quaint Oak Bank

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

Southampton, PA

3 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Quaint Oak Bank has 1 strength but faces 6 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

  • + Non-Interest Income / Assets 0.06% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 1.4% in tier
  • - Liquidity Strain: Bottom 33.3% in tier
  • - Efficiency Drag: Bottom 48.8% in tier
  • - Return on Assets 0.93% below tier average
  • - Net Interest Margin 0.95% below tier average
  • - Delinquency Rate 0.82% above tier average
Get updates when Quaint Oak Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $643.6M
-1.2% YoY -4.9% QoQ
+$257.6M $386.1M
+0.5% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
84%
Total Loans ? $578.3M
+0.2% YoY -3.9% QoQ
+$322.6M $255.7M
+1.1% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
Top 6.9% in tier
Total Deposits ? $570.0M
+11.0% YoY -5.6% QoQ
+$242.1M $328.0M
+0.1% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
Top 14.6% in tier
Return on Assets ? 0.34%
+30.5% YoY +11.9% QoQ
-0.93% 1.27%
+12.9% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
Bottom 8.9% in tier
Net Interest Margin ? 2.98%
+3.8% YoY -0.6% QoQ
-0.95% 3.93%
+6.0% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
Bottom 10.7% in tier
Efficiency Ratio ? 87.24%
+3.6% YoY +2.7% QoQ
+21.96% 65.29%
-4.5% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
Bottom 8.3% in tier
Delinquency Rate ? 1.70%
+65.5% YoY +39.7% QoQ
+0.82% 0.89%
+18.8% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
15%
Loan-to-Deposit Ratio ? 101.45%
-9.8% YoY +1.8% QoQ
+24.81% 76.64%
+0.8% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
Bottom 7.3% in tier
Non-Interest-Bearing Deposit Share ? 11.53%
-7.6% YoY -28.6% QoQ
-10.49% 22.02%
-1.0% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
Bottom 13.9% in tier
Nonperforming Asset Ratio ? 1.59%
+74.0% YoY +39.5% QoQ
+0.95% 0.64%
+19.7% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
Bottom 10.5% in tier
Tier 1 Capital Ratio ? 13.06%
+3.1% YoY +5.7% QoQ
-2.77% 15.83%
+1.5% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.34%
+19.5% YoY -69.4% QoQ
+0.06% 0.28%
+9.3% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
Top 5.6% in tier

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 (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#8 of 512 • Bottom 1.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.34%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#215 of 643 • Bottom 33.3% 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: 101.45%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#203 of 414 • Bottom 48.8% in tier

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

Why this signature
Efficiency Ratio: 87.24%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank declining

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

151
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.28%
#151 of 2664 Top 5.6% in $100M-$1B
185
Total Loans
size
Value: $578.31M
Peer Median: $255.72M
#185 of 2664 Top 6.9% in $100M-$1B
391
Total Deposits
size
Value: $570.05M
Peer Median: $327.97M
#391 of 2664 Top 14.6% in $100M-$1B
430
Total Assets
size
Value: $643.63M
Peer Median: $386.08M
#430 of 2664 Top 16.1% in $100M-$1B

Top Weaknesses (7 metrics)

2471
Loan-to-Deposit Ratio
liquidity
Value: 101.45%
Peer Median: 76.64%
#2471 of 2664 Bottom 7.3% in $100M-$1B
2444
Efficiency Ratio
profitability
Value: 87.24%
Peer Median: 65.29%
#2444 of 2664 Bottom 8.3% in $100M-$1B
2429
Return on Assets
profitability
Value: 0.34%
Peer Median: 1.27%
#2429 of 2664 Bottom 8.9% in $100M-$1B
2384
Nonperforming Asset Ratio
credit_quality
Value: 1.59%
Peer Median: 0.64%
#2384 of 2664 Bottom 10.5% in $100M-$1B
2380
Net Interest Margin
profitability
Value: 2.98%
Peer Median: 3.93%
#2380 of 2664 Bottom 10.7% in $100M-$1B
2294
Non-Interest-Bearing Deposit Share
funding
Value: 11.53%
Peer Median: 22.02%
#2294 of 2664 Bottom 13.9% in $100M-$1B
2244
Delinquency Rate
credit_quality
Value: 1.70%
Peer Median: 0.89%
#2244 of 2654 Bottom 15.5% in $100M-$1B
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