Quaint Oak Bank Mortgage Rates, Fees & Info

Southampton, PA

LEI: 5493009U3Z7T32DXL565

Tax ID: 23-0993717

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Quaint Oak Bank is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    114

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Quaint Oak Bank 117-21 Spring Garden Street, Suite A Philadelphia, PA 19123 Full Service B&M $29,831
    Quaint Oak Bank 1710 Union Blvd. Allentown, PA 18109 Full Service B&M $115,622
    Quaint Oak Bank 501 Knowles Avenue Southampton, PA 18966 Full Service B&M $283,948

    For 2021, Quaint Oak Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,337
    Net interest income $21,473
    Total noninterest income $11,254
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $237
    Trading account gains and fees $0
    Additional Noninterest Income $11,017
    Pre-tax net operating income $9,424
    Securities gains (or losses, -) $362
    Income before extraordinary items $7,195
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,195
    Minority interest net income $418
    Net income $6,777
    Sale, conversion, retirement of capital stock, net $108
    Net operating income $6,909

    Quaint Oak Bank's gross interest income from loans was $25,337,000.
    Quaint Oak Bank's net interest income from loans was $21,473,000.
    Quaint Oak Bank's fee based income from loans was $237,000.
    Quaint Oak Bank's net income from loans was $6,777,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,864
    Provision for credit losses $2,201
    Total noninterest expense $21,102
    Salaries and employee benefits $15,496
    Premises and equipment expense $1,824
    Additional noninterest expense $3,782
    Applicable income taxes $2,591
    Net charge-offs $0
    Cash dividends $1,000

    Quaint Oak Bank's interest expense for loans was $3,864,000.
    Quaint Oak Bank's payroll and benefits expense were $15,496,000.
    Quaint Oak Bank's property, plant and equipment expenses $1,824,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $451,818
    Deposits held in domestic offices $451,818
    Deposits by Individuals, partnerships, and corporations $342,839
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $108,979
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $65,405
    Demand deposits $64,283
    Nontransaction accounts $386,413
    Money market deposit accounts (MMDAs) $189,746
    Other savings deposits (excluding MMDAs) $16,757
    Total time deposits $179,910
    Total time and savings deposits $387,535
    Noninterest-bearing deposits $65,405
    Interest-bearing deposits $386,413
    Retail deposits $430,085
    IRAs and Keogh plan accounts $28,298
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $553,749
    Cash & Balances due from depository institutions $19,750
    Interest-bearing balances $18,221
    Total securities $4,033
    Federal funds sold & reverse repurchase $0
    Net loans and leases $513,670
    Loan and leases loss allowance $5,262
    Trading account assets $0
    Bank premises and fixed assets $3,469
    Other real estate owned $0
    Goodwill and other intangibles $3,118
    All other assets $9,709

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $553,749
    Total Liabilities $511,073
    Total deposits $451,818
    Interest-bearing deposits $386,413
    Deposits held in domestic offices $451,818
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $55,473
    Subordinated debt $0
    All other liabilities $3,782

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $513,670
    Loan and leases loss allowance $5,262
    Total loans and leases (domestic) $518,932
    All real estate loans $304,829
    Real estate loans in domestic offices $304,829
    Construction and development loans $15,843
    Residential 1-4 family construction $15,584
    Other construction, all land development and other land $259
    Loans secured by nonfarm nonresidential properties $184,699
    Nonfarm nonresidential secured by owner-occupied properties $69,904
    Commercial real estate & other non-farm, non-residential $114,795
    Multifamily residential real estate $31,062
    1-4 family residential loans $73,225
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $217,065
    To non-U.S. addressees $0
    Loans to individuals $12
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $12
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $140
    Non 1-4 family restructured loans & leases $131
    Total loans and leases (foreign) $0

    Quaint Oak Bank had $513,670,000 of loans outstanding in 2021. $304,829,000 of loans were in real estate loans. $15,843,000 of loans were in development loans. $31,062,000 of loans were in multifamily mortgage loans. $73,225,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 250 $66,949 $267,796
    Nonfarm, nonresidential loans - <$100k 17 $787 $46,294
    Nonfarm, nonresidential loans - $100-250k 98 $11,728 $119,673
    Nonfarm, nonresidential loans - $250k-1MM 135 $54,434 $403,215
    Commercial & Industrial, US addressed loans - <$1MM 989 $142,880 $144,469
    Commercial & Industrial, US addressed loans - <$100k 780 $28,105 $36,032
    Commercial & Industrial, US addressed loans - $100-250k 125 $18,863 $150,904
    Commercial & Industrial, US addressed loans - $250k-1MM 84 $95,912 $1,141,810