Quaint Oak Bancorp is the holding company for Quaint Oak Bank, a community bank headquartered in Southampton, Pennsylvania with $675.9M in total assets. The bank's core business is taking in deposits and deploying them into commercial real estate and commercial business loans in the Philadelphia metro area and Lehigh Valley region of Pennsylvania. CRE loans make up roughly 57% of the loan portfolio, with commercial business loans at about 18%, and the remainder mostly in residential mortgages. The bank funds itself primarily through CDs and transaction accounts. Beyond balance sheet lending, Quaint Oak runs several fee-generating subsidiaries: Quaint Oak Mortgage originates residential mortgages for sale into the secondary market, generating gain-on-sale income; Oakmont Commercial originates CRE loans for sale to institutional buyers; Quaint Oak Insurance sells home, auto, life, and business insurance; and Quaint Oak Abstract provides title insurance. The bank operates three branches in Southampton, Allentown, and Philadelphia, which are primarily cashless, and also serves customers online and by phone. A notable regulatory development: in May 2025, the bank entered into Consent Orders with the FDIC and Pennsylvania Department of Banking related to deficiencies in its anti-money laundering compliance program, requiring the bank to upgrade its AML controls and staffing, though no financial penalties were imposed.