Quaint Oak Bank: how it compares with its peers
Against 45 PA banks with half to twice its assets, Quaint Oak Bank's strongest measure in Q2 2026 is net interest margin (3.09% vs. a 3.35% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $7.5M).
| Measure | Quaint Oak Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.44% | 0.87% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.09% | 3.35% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.53% | 64.10% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $7.5M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.77% | 82.49% | Context |
What it means for lending operations
Its efficiency ratio of 81.53% is above the 64.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Slovenian Savings and Loan Association of Canonsburg Strabane, PA · $627M
- Woodlands Bank Williamsport, PA · $640M
- Mauch Chunk Trust Company Jim Thorpe, PA · $643M
- Phoenixville Federal Bank and Trust Phoenixville, PA · $648M
- Reliance Savings Bank Altoona, PA · $649M
- Mercer County State Bank Sandy Lake, PA · $611M
Questions about Quaint Oak Bank
How big is Quaint Oak Bank?
Quaint Oak Bank, established in 1926, is headquartered in Southampton, PA. It reported $631M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Quaint Oak Bank's return on assets?
0.44% annualized in Q2 2026, against a 0.87% median for 45 PA banks with half to twice its assets, ahead of 13% of them.
What is Quaint Oak Bank's efficiency ratio?
81.53% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is Quaint Oak Bank growing its loans?
Net loans shrank 6.1% over the year to Q2 2026, while deposits grew 3.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.