Total Assets
$677M
Total balance-sheet footings
FDIC Cert #35497 · Southampton, Pennsylvania · Est. 1926
Quaint Oak Bank - FDIC Bank Health Profile
A community-scale look at Quaint Oak Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $677M
- Total assets
- C
- Health grade · Fair
- 0.30%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
Quaint Oak Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 12.36% Tier 1, 0.30% ROA, 85% efficiency ratio.
- #1,411
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 12.36%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Quaint Oak Bank's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Quaint Oak Bank's composite health score
Tier 1 Capital Ratio (12.36%) 35/40
Return on Assets (ROA) (0.30%) 7/25
Texas Ratio (9.97%) 16/20
Efficiency Ratio (84.96%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$604M
Customer-funded liabilities
Net Loans
$602M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Quaint Oak Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Quaint Oak Bank's score of 58/100 falls in the highlighted band.
Quaint Oak Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Quaint Oak Bank's $677M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.36%
Texas Ratio
9.97%
Equity Capital
$67M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.30%
Return on Equity (ROE)
2.97%
Efficiency Ratio
84.96%
What the numbers say about Quaint Oak Bank
Quaint Oak Bank is an FDIC-insured institution (Certificate #35497) headquartered in Southampton, Pennsylvania, established in 1926. It holds $677M in total assets - 1,411th of 4,313 FDIC-insured banks, $604M in customer deposits, and $602M in net loans. Its capital position: a Tier 1 ratio of 12.36%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 9.97% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Quaint Oak Bank sits 53rd of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$40M
Interest Income
$8M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Quaint Oak Bank reports a Texas Ratio of 9.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Quaint Oak Bank (FDIC Cert #35497) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Quaint Oak Bank's health grade?▼
Quaint Oak Bank receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Quaint Oak Bank?▼
Quaint Oak Bank holds $677M in total assets and $604M in deposits, ranking 1,411th of 4,313 FDIC-insured banks by asset size. It is headquartered in Southampton, Pennsylvania.
Is my money safe at Quaint Oak Bank?▼
Yes, deposits at Quaint Oak Bank (Certificate #35497) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Quaint Oak Bank's Tier 1 Capital Ratio?▼
Quaint Oak Bank has a Tier 1 Capital Ratio of 12.36%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Quaint Oak Bank?▼
Quaint Oak Bank has a Texas Ratio of 9.97%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Quaint Oak Bank?▼
Quaint Oak Bank has an Efficiency Ratio of 84.96%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Quaint Oak Bank's profile as a depositor or analyst.
- Quaint Oak Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Quaint Oak Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.