Quaint Oak Bank

Quaint Oak Bank Locations
607 Lakeside Drive
Southampton, PA 18966
215.364.4059
www.quaintoak.com

Quaint Oak Bank is headquartered in Southampton and is the 173rd largest bank in the state of Pennsylvania. It is also the 4,807th largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 20 employees at 2 locations. Quaint Oak Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Competitive CD Rates Continue at Quaint Oak Bank in PA - 12/15/2011

Quaint Oak Bank continues to offer competitive long-term CD and IRA CD rates. The three best rates are 2.20% APY for 5 years, 1.75% APY for 4 years and 1.50% APY for 3 years. Minimum deposit is $500. ...

Competitive Long-Term CD Rates at Quaint Oak Bank in PA - Available Nationwide - 6/16/2011

Quaint Oak Bank has three competitive rates on its CDs and IRA CDs: 2.75% APY for 5 years, 2.30% APY for 4 years and 2.00% APY for 3 years. Its shorter term CDs are not quite as competitive. Minimum d ...

Top Long-Term CD Rates At A Pennsylvania Bank (Forum) - 4/4/2011

Quaint Oak Bank with two branches in Pennsylvania is offering the following very competitive long-term CD rates (as of 4/4/2011): 3.00% APY 5-years 2.75% APY 4-years 2.25% APY 3-years Minimum deposit is $500. Reports from Bankaholic say the bank



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See Rates for: Savings | CD | IRA

Quaint Oak Bank Savings Account Rates

ApyMinMaxProduct
1.00%$25$250keSavings
0.45%$25k-Statement Savings
0.25%--Passbook Savings
0.25%--IRA Savings Account

Quaint Oak Bank CD Rates

ApyMinMaxProduct
2.05%$500-60 Month CD
1.65%$500-48 Month CD
1.45%$500-36 Month CD
1.05%$500-24 Month CD
0.85%$500-18 Month CD
0.75%$500-12 Month CD
0.45%$500-6 Month CD

Quaint Oak Bank IRA Rates

ApyMinMaxProduct
2.05%$500-60 Month IRA
1.65%$500-48 Month IRA
1.45%$500-36 Month IRA
1.05%$500-24 Month IRA
0.85%$500-18 Month IRA
0.75%$500-12 Month IRA
0.45%$500-6 Month IRA

Rates updated: 5/27/2012

Data for Q1 2012


Institution Statistics


Quaint Oak Bank
FDIC Certificate #35497
BankRate ReportView
Year Established1926
Employees20
Primary RegulatorFDIC

Assets and Liabilities

Assets$105.61 million
Loans$81.33 million
Deposits$86.84 million
Equity Capital$14.62 million
Loan Loss Allowance$873,000
Unbacked Noncurrent Loans$3.37 million
Real Estate Owned$25,000

Historic Data - March 2011

Assets$101.73 million
Equity Capital$13.86 million
Loan Loss Allowance$823,000
Unbacked Noncurrent Loans$2.42 million
Real Estate Owned$1.40 million

Profit Margin - Quarterly

Net Interest Margin3.83%
Return on Assets0.69%
Return on Equity5.11%
Interest Income$1.45 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
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 March 31, 2012 Quaint Oak Bank had $3.39 million in non-current loans and owned real-estate with $15.49 million in equity and loan loss allowances on hand to cover it. This gives Quaint Oak Bank a Texas Ratio of 21.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Quaint Oak Bank decreased slightly from 26.04% as of March 31, 2011 to 21.91% as of March 31, 2012, resulting in a positive change of 15.86%.This indicates that the balance sheet and financial strength for Quaint Oak Bank has improved slightly in recent periods.
Deposit Growth5
In the past year, Quaint Oak Bank has increased its total deposits by $4.84 million, resulting in 5.9% 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.
Capitalization5
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 $105.61 million in assets with $15.49 million in equity, resulting in a capitalization level of 14.67%, which is excellent.
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