Bank holding firm Quaint Oak's Q4 net income falls
Overview
U.S. financial services firm's Q4 net income fell 89% yr/yr due to higher expenses
Company's non-interest expenses rose due to tech and personnel investments in 2025
SBA loan originations doubled in 2025, despite temporary government shutdown impact
Outlook
Company expects growth from international correspondent banking business in 2026
SBA initiative momentum strong post-government shutdown, expects continued progress
Oakmont Commercial's new model expected to increase fee income and scale volume
Result Drivers
TECH AND PERSONNEL INVESTMENTS - Increased non-interest expenses in 2025, due to investments in technology platforms and personnel
SBA LOAN GROWTH - SBA loan originations doubled to $36.2 mln in 2025, despite temporary government shutdown impact
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $174,000 |
|
Q4 Net Interest Income |
| $4.86 mln |
|
Q4 Net Interest Margin |
| 3.04% |
|
Press Release: ID:nGNX7q9k92
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