Quaint Oak Bank (FDIC certificate #35497) is based in Southampton, Pennsylvania. Its Q2 2026 call report shows $631.5M in total assets and $556.8M in deposits and 3 offices.
Based on its Q2 2026 filing, Quaint Oak Bank scores 52/100, which we describe as below average. That is higher than only 8% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 98th. Its strongest component is problem-loan coverage (73/100; 13.7%), and its lowest is earnings (38/100; 0.44%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (53 → 52).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 59 |
| Q4 2024 | 57 |
| Q1 2025 | 55 |
| Q2 2025 | 53 |
| Q3 2025 | 52 |
| Q4 2025 | 52 |
| Q1 2026 | 50 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.59% |
| Q3 2024 | 10.49% |
| Q4 2024 | 10.80% |
| Q1 2025 | 10.39% |
| Q2 2025 | 10.41% |
| Q3 2025 | 10.11% |
| Q4 2025 | 10.26% |
| Q1 2026 | 10.45% |
| Q2 2026 | 10.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.42% |
| Q3 2024 | 0.87% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.02% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.69% |
| Q2 2026 | 1.73% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $631.5M | 10.91% | 1.73% | 0.44% | 100.8% |
| Q1 2026 | 50 | $643.6M | 10.45% | 1.69% | 0.34% | 101.4% |
| Q4 2025 | 52 | $676.8M | 10.26% | 1.21% | 0.30% | 99.7% |
| Q3 2025 | 52 | $678.0M | 10.11% | 1.04% | 0.29% | 107.5% |
| Q2 2025 | 53 | $672.0M | 10.41% | 0.98% | 0.32% | 110.9% |
| Q1 2025 | 55 | $651.5M | 10.39% | 1.02% | 0.26% | 112.4% |
| Q4 2024 | 57 | $686.2M | 10.80% | 1.04% | 0.42% | 106.8% |
| Q3 2024 | 59 | $701.1M | 10.49% | 0.87% | 0.43% | 105.0% |
| Q2 2024 | 51 | $701.3M | 9.59% | 1.42% | 0.47% | 103.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Slovenian Savings and Loan Association of CanonsburgBank Strabane, PA | 73 out of 100, Strong | $627.0M | 16.5% | 1.99% | vs |
| Woodlands BankBank Williamsport, PA | 44 out of 100, Below average | $640.3M | 8.9% | 2.68% | vs |
| Mauch Chunk Trust CompanyBank Jim Thorpe, PA | 46 out of 100, Below average | $642.8M | 7.9% | 1.27% | vs |
| Phoenixville Federal Bank and TrustBank Phoenixville, PA | 67 out of 100, Moderate | $648.0M | 12.6% | 1.25% | vs |
| Reliance Savings BankBank Altoona, PA | 67 out of 100, Moderate | $648.9M | 12.2% | 0.26% | vs |
| Mercer County State BankBank Sandy Lake, PA | 52 out of 100, Below average | $611.3M | 10.3% | 2.42% | vs |
Deposit insurance
Is my money safe at Quaint Oak Bank?
Yes. Quaint Oak Bank is an FDIC-insured institution (FDIC certificate #35497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.4% of deposits ($69.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.85% (benchmark: 10%).
3 locations
Branches
Quaint Oak Bank lists 3 offices in 3 cities. Most locations:
- Allentown, PA (1)
- Philadelphia, PA (1)
- Southampton, PA (1)
Identity & history
Profile
- Legal name
- Quaint Oak Bank
- Former names
- Quaint Oak Savings Bank
- Type
- SI
- FDIC certificate #
- 35497
- RSSD ID
- 815277
- Primary regulator
- FDIC
- Holding company
- Quaint Oak Bcorp Inc
- Established
- January 1, 1926
- Headquarters
- 501 Knowles Ave, Southampton, PA 18966
- Website
- www.quaintoak.com
- Employees
- 129
Quick answers
Quaint Oak Bank: common questions
Is Quaint Oak Bank FDIC insured?
Yes. Quaint Oak Bank is an FDIC-insured institution (FDIC certificate #35497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Quaint Oak Bank's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Quaint Oak Bank ever failed?
There is no failure record for FDIC certificate #35497 in the FDIC failed bank list.
How many branches does Quaint Oak Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Southampton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA | 100 out of 100, Very strong | $4.1M | 15.4% | 0.00% | vs |
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA | 94 out of 100, Very strong | $71.6M | 25.3% | 0.69% | vs |
| New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ | 93 out of 100, Very strong | $63.9M | 19.6% | 0.31% | vs |
| The Philadelphia Trust CompanyBank Philadelphia, PA | 93 out of 100, Very strong | $27.7M | 71.8% | 0.00% | vs |