Quaint Oak Bank
Quaint Oak Bank is a Pennsylvania-chartered community savings bank founded in 1926, serving small and mid-sized businesses, commercial real estate investors, consumers, and military members through three regional offices and four wholly-owned subsidiaries, with SBA Preferred Lender status and digital banking capabilities.
- Company typePublic
- Founded1926
- HeadquartersSouthampton, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Quaint Oak Bank does
Quaint Oak Bank is a Pennsylvania-chartered stock savings bank headquartered in Southampton, PA, founded in 1926 and operating today through three regional offices across the Delaware Valley (Southampton), Lehigh Valley (Allentown), and Philadelphia. As the operating subsidiary of publicly traded Quaint Oak Bancorp, Inc. (OTCQX: QNTO), the bank delivers commercial and personal banking services to small and mid-sized businesses, commercial real estate investors, individual consumers, and military service members and veterans. Its commercial lending platform is anchored by SBA Preferred Lender status (granted October 2024), offering SBA 7(a) and 504 loans up to $5 million with 7-25 year terms, alongside commercial real estate loans, C&I loans, lines of credit, and equipment financing.
The bank operates a digital banking stack with online and mobile banking, remote deposit capture, ACH and wire transfer management, commercial bill pay, Positive Pay fraud protection, QuickBooks integration, Zelle peer-to-peer payments, and Visa debit with surcharge-free ATM access. High-dollar deposit customers are served through IntraFi Network Deposits (ICS and CDARS) for FDIC-insured sweep capacity. Four wholly-owned subsidiaries extend the franchise into adjacent financial services: Quaint Oak Abstract (title insurance), Quaint Oak Insurance, Quaint Oak Mortgage (residential lending), and Oakmont Commercial (commercial real estate financing), all operating across multiple states.
Revenue is generated primarily through net interest income on commercial and SBA lending, supported by deposit account interest spread and transactional fees (wires, overdraft, merchant services). Distribution is sales-led, with dedicated commercial relationship managers in each regional office plus nationwide SBA lending reach enabled by PLP status. The bank filed multiple SEC Form D securities offerings between 2022 and 2025 to support loan growth, and insider ownership exceeds one-third of outstanding stock, aligning management and shareholder interests.
Quaint Oak Bank firmographics
Firmographics- Name
- Quaint Oak Bank
- Legal name
- Quaint Oak Bancorp, Inc.
- Website
- https://quaintoak.com
- Company type
- Public
- Founded year
- 1926
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Quaint Oak Bank is a Pennsylvania-chartered community savings bank founded in 1926, serving small and mid-sized businesses, commercial real estate investors, consumers, and military members through three regional offices and four wholly-owned subsidiaries, with SBA Preferred Lender status and digital banking capabilities.
- Ownership category
- akta.pro rank
Quaint Oak Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180), Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Savings Banks (Public/State-Owned) (FSABAKAK)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Quaint Oak Bank is headquartered
LocationHeadquarters
- HQ city
- Southampton
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Quaint Oak Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Interest Income from Lending: Primary revenue stream from interest on commercial loans, SBA 7(a) and 504 loans, commercial real estate loans, equipment financing, and lines of credit. Funding up to $5 million with repayment terms from 7 to 25 years.
- Deposit Account Interest: Interest earned on business and personal deposit accounts including checking, savings, money market accounts, and certificates of deposit. Competitive rates offered across multiple tiers.
- SBA Lending Fees: Fees associated with SBA loan origination and servicing as an SBA Preferred Lender, including guarantee fees and servicing income from government-backed loans.
- Commercial Banking Services: Fees from business banking services including wire transfers, overdraft protection, merchant services, and other commercial banking transaction fees.
- Subsidiary Operations: Revenue from subsidiary companies: Quaint Oak Abstract (title services), Quaint Oak Insurance (insurance products), Quaint Oak Mortgage (residential mortgage lending), and Oakmont Commercial (commercial real estate financing). All subsidiaries operate across multiple states.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | 2-Year Certificate of Deposit at 4.00% APY |
| Subscription | Multi-year contract | Business CDs: 6-month to 5-year terms |
| Subscription | Monthly | Business Money Market Tiers |
| Subscription | Monthly | Personal Money Market Tiers |
| Subscription | Monthly | IRA Savings Accounts |
| Subscription | Monthly | Business Savings Account |
| Other | Multi-year contract | SBA 7(a) Loans up to $5 million |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Quaint Oak Bank product offering
Product offeringCore offering
Quaint Oak Bank is a Pennsylvania-chartered savings bank operating as a community banking institution that provides personal and business deposit accounts, SBA-guaranteed loans, commercial real estate and C&I lending, and mortgage products. The bank operates three regional offices in the greater Philadelphia suburbs and markets its services to consumers, small/mid-sized businesses, commercial real estate investors, and military service members through its Military Advantage program.
Product overview
Quaint Oak Bank is a Pennsylvania-chartered savings bank offering a comprehensive suite of commercial and personal banking products. The bank operates as part of the Quaint Oak Family of Companies, which includes Quaint Oak Abstract (title insurance), Quaint Oak Insurance, Quaint Oak Mortgage, and Oakmont Commercial (commercial real estate lending). The product portfolio centers on Business Banking (checking, money market, savings, CDs, SBA loans, lines of credit, commercial real estate loans, C&I loans) and Personal Banking (checking, savings, money market, CDs, IRAs, Military Advantage accounts). Digital banking capabilities include online/mobile banking, remote deposit capture, ACH Manager, Wire Manager, and merchant services. The bank is an SBA Preferred Lender offering SBA 7(a) and 504 loan programs up to $5 million with 7-25 year terms.
Differentiator
Problem solved
Functional benefit
Products and services
- SBA 7(a) Loans
- SBA 504 Loans
- Commercial Real Estate Loans
- Commercial and Industrial (C&I) Loans
- Business Deposit Accounts
- Personal Deposit Accounts
- Military Advantage Account
- Online and Mobile Banking
- Quaint Oak Mortgage
- Quaint Oak Insurance
- Quaint Oak Abstract
- Oakmont Commercial
- Merchant Services
- Remote Deposit Capture
Companies that use Quaint Oak Bank
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
Quaint Oak Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Quaint Oak Bank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- The Arc of Lehigh and Northampton CountiescoreExpanded partnership as part of Quaint Oak Bank's 100th anniversary celebration, committing to sponsor The Arc's 2025-2026 Advocacy Webinar Series. The webinar series attracts over 600 annual registrations and provides free expert-led programming covering Special Education, Service Navigation, Financial Planning, and Early Intervention for families and professionals supporting individuals with intellectual and developmental disabilities.
- Pennsylvania Public Libraries (Multiple)coreExpansion of community library partnership initiative supporting multiple public libraries across Pennsylvania as part of Quaint Oak Bank's centennial year commitment. Partnerships provide customized resource packages including seed collections, educational materials, garden enhancements, and program support tailored to each library's local needs.
- Pennsylvania Horticultural SocietyminorPartnership providing access to the 2026 Pennsylvania Horticultural Society's Philadelphia Flower Show as part of Quaint Oak Bank's broader 2026 impact priorities centered on community accessibility and inclusion.
- Oakmont CommercialcoreWholly-owned subsidiary and specialty commercial real estate mortgage lender. Partners with Commercial Mortgage Brokers to help small businesses secure financing. Multi-state operations.
- Quaint Oak AbstractcoreWholly-owned subsidiary offering title services to support the home-buying process. Provides support to agents, customers, and lenders seeking title insurance or other title services. Multi-state operations.
- Quaint Oak InsurancecoreWholly-owned insurance subsidiary offering policies to bring peace of mind for individuals, families, and businesses. Multi-state operations.
- Quaint Oak MortgagecoreWholly-owned mortgage subsidiary that guides buyers through the mortgage process, ensuring confidence from application to closing. Multi-state operations.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Quaint Oak Bank competitors and assessment
Company assessmentDirect peers
- First Bank (NJ): New Jersey-based community bank offering SBA lending, commercial, and personal banking services across similar Mid-Atlantic markets, directly comparable in size and SBA focus.
- Univest Bank and Trust Co. Pennsylvania-headquartered community bank with comparable SBA, commercial, and personal banking products serving the Greater Philadelphia and Lehigh Valley footprint.
- PeoplesBank (PA): Pennsylvania community bank (a Codorus Valley Bancorp subsidiary) with comparable commercial and retail banking serving overlapping Philadelphia-region markets.
- Hatboro Federal Savings: Small Pennsylvania-chartered savings bank in the same Bucks County geography, with personal and small-business deposits and similar community banking model.
Broad incumbents
- Fulton Bank: Large Pennsylvania-based commercial bank with broad retail and business banking across the Mid-Atlantic including a heavy SBA lending presence.
- Live Oak Bancshares: Public company specializing heavily in SBA lending with digital-first origination — a broader incumbent reference for SBA Preferred Lender scale economics.
- Customers Bank: Pennsylvania-based commercial and small-business bank with comparable SME and commercial real estate lending, used as a larger reference point.
Regional players
- NBHC (National Bank Holdings Corp): Multi-state community bank holding company with similar asset size, SBA and commercial lending focus, although headquartered outside Pennsylvania.
Emerging players
- SBA Communications-adjacent fintech lenders (e.g., Funding Circle): Digital small-business lender competing for SBA and small-business loan share, relevant comparison for the digital channel and SMB targeting strategy.
Others
- IntraFi Network (Money Market / CDAR partner): Deposit-placement infrastructure provider whose ICS/CDARS product is used by Quaint Oak, an ecosystem-relevant vendor relationship.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Quaint Oak Bank social profiles
Digital presenceQuaint Oak Bank compliance and trust
Trust signalCompliance5 records
Quaint Oak Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Quaint Oak Bank leadership team
Management profileNumber of profiles
Profiles8 records
Quaint Oak Bank subsidiaries and ownership
Company hierarchySubsidiaries4 records
Quaint Oak Bank funding detail
Funding detailFunding overview
Funding rounds5 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Quaint Oak Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Quaint Oak Bank
What does Quaint Oak Bank do?
Quaint Oak Bank is a Pennsylvania-chartered savings bank operating as a community banking institution that provides personal and business deposit accounts, SBA-guaranteed loans, commercial real estate and C&I lending, and mortgage products. The bank operates three regional offices in the greater Philadelphia suburbs and markets its services to consumers, small/mid-sized businesses, commercial real estate investors, and military service members through its Military Advantage program.
Is Quaint Oak Bank a public or private company?
Quaint Oak Bank is a public company. It is classified as public and is currently operating.
When was Quaint Oak Bank founded?
Quaint Oak Bank was founded in 1926. It employs 101 to 250 people.
Where is Quaint Oak Bank based?
Quaint Oak Bank is headquartered in Southampton, United States, in the North America region.
How does Quaint Oak Bank make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Interest, SBA Lending Fees, commercial Banking Services and subsidiary Operations.
Who are Quaint Oak Bank's main competitors?
Direct peers on record are First Bank (NJ), Univest Bank and Trust Co., PeoplesBank (PA) and Hatboro Federal Savings. Broad incumbents are Fulton Bank, Live Oak Bancshares and Customers Bank. NBHC (National Bank Holdings Corp) is listed as a regional player. SBA Communications-adjacent fintech lenders (e.g., Funding Circle) is listed as an emerging player. IntraFi Network (Money Market / CDAR partner) is listed as an others.
Does Quaint Oak Bank have an API?
No public API is recorded for Quaint Oak Bank.
What industry is Quaint Oak Bank in?
Quaint Oak Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAKAK, Savings Banks (Public/State-Owned), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 522180 and its SIC code is 6036.