PA lenders / Community Bank
Quaint Oak Bank
Community Bank · Southampton, PA · Quaint Oak Bcorp Inc
- Total assets
- $643.6M
- CRE loan book
- $382.0M
- QoQ CRE growth
- -6.0%
- Q1 2026
Recorded CRE activity — pa-delaware County
1 commercial deed of trust recorded recently, verified from county records.
- Aug 13, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
4 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 9.50% (4 variable / 0 fixed) · $1.7M total approved.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 9, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.80% as of Q1 2026 — TX bank median 4.87% (0.94pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.80% | 6.19% |
| Q4 2025 | 5.98% | 6.57% |
| Q3 2025 | 5.76% | 6.43% |
| Q2 2025 | 5.74% | 6.40% |
| Q1 2025 | 5.75% | 6.34% |
| Q4 2024 | 5.01% | 6.17% |
| Q3 2024 | 5.09% | 6.35% |
| Q2 2024 | 4.90% | 6.06% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $382.0M | $23.5M | $36.8M | 235% | $3.0M |
| Q4 2025 | $406.1M | $28.2M | $37.9M | 256% | $1.2M |
| Q3 2025 | $393.6M | $27.4M | $36.8M | 251% | $1.3M |
| Q2 2025 | $399.2M | $26.0M | $38.6M | 257% | $1.6M |
| Q1 2025 | $391.6M | $30.7M | $42.0M | 267% | $1.5M |
| Q4 2024 | $397.4M | $24.8M | $42.2M | 251% | $1.4M |
| Q3 2024 | $417.6M | $31.1M | $44.0M | 280% | $0 |
| Q2 2024 | $407.5M | $33.4M | $44.2M | 277% | $2.1M |
Signals
Recent news
- QUAINT OAK BANCORP, INC. ANNOUNCES SECOND QUARTER EARNINGS - GlobeNewswire — Coverage of Quaint Oak Bank related to earnings reported by globenewswire.com.Jul 30, 2026
- Quaint Oak Bank's net interest margin rose to 2.93% in Q2 - Stock Titan — Coverage of Quaint Oak Bank related to commercial real estate and lending reported by stocktitan.net.Jul 30, 2026
- Quaint Oak Bancorp Sets 4-Cent Dividend for Aug. 10 - MyChesCo — Coverage of Quaint Oak Bank related to commercial real estate and lending reported by mychesco.com.Jul 20, 2026
- Quaint Oak Bancorp, Inc. Declares Quarterly Cash Dividend - The Manila Times — Coverage of Quaint Oak Bank related to commercial real estate and lending reported by manilatimes.net.Jul 17, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers and Merchants Union BankCommunity Bank · Columbus · $380.9M CRE book
- CIBM BankCommunity Bank · Champaign · $379.8M CRE book
- Mid America BankCommunity Bank · Jefferson City · $378.1M CRE book
- The Ephrata National BankCommunity Bank · Ephrata · $389.1M CRE book
- Texas Heritage National BankCommunity Bank · Daingerfield · $389.7M CRE book
Last updated Aug 13, 2026 · Sources: FFIEC CDR, county records, first-party conversations.