QNTO · OTC
It filed on time and stood behind its numbers. Of companies scoring zero, 4.0% were delisted, went bankrupt, restated or stopped filing within the following year.
Hover or tap a dot to see the filings behind that score.
Quaint Oak Bancorp (the “Company”) is unable to file its Quarterly Report on Form 10-Q for the quarter ended March 31, 2023 (“Quarterly Report”) within the prescribed time period without unreasonable effort or expense due to circumstances related to the Company’s first-time adoption of Accounting Standards Update 2016-13 (Topic 326), “Measurement of Credit Losses on Financial Instruments,” commonly referenced as the Current Expected Credit Loss (“CECL”) model. The Company needs additional time to finalize the expanded disclosures and then allow its independent registered public accounting firm, S.R. Snodgrass, P.C. (“Snodgrass“), time to complete certain review procedures related to the Company’s adoption and financial reporting of CECL. The Company does not expect any changes to its financial results reported in its press release dated May 1, 2023. The Company has provided a copy of the foregoing disclosures to Snodgrass
NT 10-Q, filed 2023-05-15 · auditor
2023-12-15accounts declared unreliable SEC →
Quaint Oak Bancorp (the “Company”) is unable to file its Quarterly Report on Form 10-Q for the quarter ended March 31, 2023 (“Quarterly Report”) within the prescribed time period without unreasonable effort or expense due to circumstances related to the Company’s first-time adoption of Accounting Standards Update 2016-13 (Topic 326), “Measurement of Credit Losses on Financial Instruments,” commonly referenced as the Current Expected Credit Loss (“CECL”) model. The Company needs additional time to finalize the expanded disclosures and then allow its independent registered public accounting firm, S.R. Snodgrass, P.C. (“Snodgrass“), time to complete certain review procedures related to the Company’s adoption and financial reporting of CECL. The Company does not expect any changes to its financial results reported in its press release dated May 1, 2023. The Company has provided a copy of the foregoing disclosures to Snodgrass
reportingrisk.com scores every active US filer on three things a company tells the SEC about itself: late-filing notices on Form NT, 8-K item 4.02 (past accounts declared unreliable) and 4.01 (auditor changes). 1,012 are flagged today.
Every score is frozen and checked twelve months later. Across 91,452 of them, a company scoring 4 or more ended that year delisted, bankrupt, restated or silent 17.2% of the time, against 4.0% for a clean record. Scores before 2026-09-27 were reconstructed from the filing history as it stood at each date, so the record is a backtest rather than years of live calls.
See the ledger → Every company the score flagged that later failed, what it told the SEC on the way down, and the ones it missed.Every item above is a filing this company
made with the SEC.
Snapshot 2026-11-04 · data from SEC EDGAR (public domain) · not
investment advice