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501 Knowles Avenue
Southampton, PA 18966

Quaint Oak Bank is headquartered in Southampton and is the 158th largest bank in the state of Pennsylvania. It is also the 4,159th largest bank in the nation. It was established in 1926 and as of December of 2013, it had grown to 32 employees at 2 locations. Quaint Oak Bank's savings rates are 44% higher than the national average, and it has a B+ health rating.

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Reviews (1)

Great Bank And Customer Service

Been with bank for the last few years and customer service has been great!


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Quaint Oak Bank had $2.49 million in non-current loans and owned real-estate with $16.35 million in equity and loan loss allowances on hand to cover it. This gives Quaint Oak Bank a Texas Ratio of 15.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Quaint Oak Bank experienced no significant changes from 14.34% as of December 31, 2012 to 15.21% as of December 31, 2013, resulting in a negative change of 6.03%. This indicates that the balance sheet and financial strength for Quaint Oak Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Quaint Oak Bank has increased its total deposits by $6.52 million, resulting in 6.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Quaint Oak Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Quaint Oak Bank has $125.83 million in assets with $16.35 million in equity, resulting in a capitalization level of 13.00%, which is excellent.

Institution Statistics

FDIC Certificate #35497
Year Established1926
Primary RegulatorFDIC
Assets and Liabilities
Assets$125.83 million
Loans$107.99 million
Deposits$104.55 million
Equity Capital$15.41 million
Loan Loss Allowance$941,000
Unbacked Noncurrent Loans$1.91 million
Real Estate Owned$574,000
Historic Data - December 2012
Assets$115.77 million
Equity Capital$15.25 million
Loan Loss Allowance$860,000
Unbacked Noncurrent Loans$1.91 million
Real Estate Owned$170,000
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets0.61%
Return on Equity4.79%
Interest Income$6.40 million
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Quaint Oak Bank Savings Account Rates

0.40%$25k-Statement Savings
0.25%--IRA Savings Account

Quaint Oak Bank CD Rates

2.00%$500-60 Month CD
1.70%$500-48 Month CD
1.50%$500-36 Month CD
1.25%$500-24 Month CD
0.75%$500-18 Month CD
0.45%$500-12 Month CD
0.35%$500-6 Month CD

Quaint Oak Bank IRA Rates

2.00%$500-60 Month IRA
1.70%$500-48 Month IRA
1.50%$500-36 Month IRA
1.25%$500-24 Month IRA
0.75%$500-18 Month IRA
0.45%$500-12 Month IRA
0.35%$500-6 Month IRA

Quaint Oak Bank Locations
Allentown Branch1710 Union Blvd.Allentown, PA 18109
Quaint Oak Bank501 Knowles AvenueSouthampton, PA 18966