Quaint Oak Bancorp (QNTO) 10-K 27 Mar 20 2019 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Mar. 20, 2020	Jun. 30, 2019
Document Information [Line Items]
Entity Registrant Name	QUAINT OAK BANCORP INC
Entity Central Index Key	0001391933
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		1,985,018
Entity Public Float			$ 16,948,450
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Amendment Flag	false
Title of 12(g) Security	Common Stock, $.01 par value per share

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Due from banks, non-interest-bearing	$ 541	$ 369
Due from banks, interest-bearing	14,014	25,643
Cash and cash equivalents	14,555	26,012
Investment in interest-earning time deposits	10,172	4,927
Investment securities available for sale (cost-2019 $7,599; 2018 $6,682)	7,623	6,680
Loans held for sale	8,928	5,103
Loans receivable, net of allowance for loan losses (2019 $2,231; 2018 $1,965)	246,692	216,898
Accrued interest receivable	1,349	1,153
Investment in Federal Home Loan Bank stock, at cost	1,580	1,086
Bank-owned life insurance	3,974	3,894
Premises and equipment, net	2,226	2,058
Goodwill	515	515
Other intangible, net of accumulated amortization	319	368
Other real estate owned, net	1,824	1,650
Prepaid expenses and other assets	2,783	1,060
Total Assets	302,540	271,404
Liabilities
Non-interest bearing	15,775	17,542
Interest-bearing	211,683	194,369
Total deposits	227,458	211,911
Federal Home Loan Bank short-term borrowings	10,000	9,000
Federal Home Loan Bank long-term borrowings	26,271	15,000
Subordinated debt	7,865	7,831
Accrued interest payable	314	221
Advances from borrowers for taxes and insurance	2,780	2,568
Accrued expenses and other liabilities	1,945	1,037
Total Liabilities	276,633	247,568
Stockholders’ Equity
Preferred stock – $0.01 par value, 1,000,000 shares authorized; none issued or outstanding	0	0
Common stock – $0.01 par value; 9,000,000 shares authorized; 2,777,250 issued; 1,984,857 and 1,975,947 outstanding at December 31, 2019 and 2018, respectively	28	28
Additional paid-in capital	14,990	14,683
Treasury stock, at cost: 792,393 and 801,303 shares at December 31, 2019 and 2018, respectively	(4,950)	(4,824)
Employee Stock Ownership Plan (ESOP)	(118)	(185)
Accumulated other comprehensive income (loss)	20	(2)
Retained earnings	15,937	14,136
Total Stockholders' Equity	25,907	23,836
Total Liabilities and Stockholders’ Equity	$ 302,540	$ 271,404

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investment securities available for sale, cost	$ 7,599	$ 6,682
Loans receivable, allowance for loan losses	$ 2,231	$ 1,965
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	9,000,000	9,000,000
Common stock, shares issued (in shares)	2,777,250	2,777,250
Common stock, shares outstanding (in shares)	1,984,857	1,975,947
Treasury stock, at cost, shares (in shares)	792,393	801,303

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest Income
Interest on loans, including fees	$ 13,167,000	$ 11,530,000
Interest and dividends on investment securities, interest-bearing deposits with others, and Federal Home Loan Bank stock	944,000	595,000
Total Interest Income	14,111,000	12,125,000
Interest Expense
Interest on deposits	4,287,000	3,264,000
Interest on Federal Home Loan Bank short-term borrowings	141,000	197,000
Interest on Federal Home Loan Bank long-term borrowings	479,000	352,000
Interest on subordinated debt	519,000	7,000
Total Interest Expense	5,426,000	3,820,000
Net Interest Income	8,685,000	8,305,000
Provision for Loan Losses	303,000	415,000
Net Interest Income after Provision for Loan Losses	8,382,000	7,890,000
Non-Interest Income
Insurance commissions	419,000	430,000
Income from bank-owned life insurance	80,000	80,000
Net gain on loans held for sale	3,014,000	2,120,000
Gain on the sale of SBA loans	265,000	105,000
Loss on sale of investment securities available for sale	(4,000)
(Loss) gain on sales and write-downs of other real estate owned	(221,000)	63,000
Total Non-Interest Income, net	4,953,000	3,947,000
Non-Interest Expense
Salaries and employee benefits	6,947,000	6,407,000
Directors’ fees and expenses	223,000	208,000
Occupancy and equipment	692,000	601,000
Data processing	508,000	398,000
Professional fees	416,000	365,000
FDIC deposit insurance assessment	15,000	186,000
Other real estate owned expenses	22,000	20,000
Advertising	195,000	217,000
Amortization of other intangible	49,000	48,000
Other	841,000	716,000
Total Non-Interest Expense	9,908,000	9,166,000
Income before Income Taxes	3,427,000	2,671,000
Income Taxes	950,000	667,000
Net Income	$ 2,477,000	$ 2,004,000
Earnings per share – basic (in dollars per share)	$ 1.27	$ 1.04
Average shares outstanding - basic (in shares)	1,956,612	1,923,491
Earnings per share - diluted (in dollars per share)	$ 1.24	$ 1.01
Average shares outstanding - diluted (in shares)	2,005,438	1,982,998
Mortgage Banking and Abstract Fees [Member]
Non-Interest Income
Non-interest revenue	$ 1,152,000	$ 826,000
Real Estate Sales Commissions [Member]
Non-Interest Income
Non-interest revenue	180,000	192,000
Other Fees and Services Fees [Member]
Non-Interest Income
Non-interest revenue	$ 68,000	$ 131,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Net Income	$ 2,477,000	$ 2,004,000
Other Comprehensive Income:
Unrealized gains on investment securities available for sale	22,000	16,000
Income tax effect	(3,000)	(3,000)
Reclassification adjustment for losses on sale of investment securities included in net income	4,000
Income tax effect	(1,000)
Net other comprehensive income	22,000	13,000
Total Comprehensive Income	$ 2,499,000	$ 2,017,000

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($)	The 401(k) Plan [Member]Common Stock Outstanding [Member]	The 401(k) Plan [Member]Additional Paid-in Capital [Member]	The 401(k) Plan [Member]Treasury Stock [Member]	The 401(k) Plan [Member]Unallocated Common Stock Held by Benefit Plans [Member]	The 401(k) Plan [Member]AOCI Attributable to Parent [Member]	The 401(k) Plan [Member]Retained Earnings [Member]	The 401(k) Plan [Member]	The 2018 Stock Incentive Plan [Member]Common Stock Outstanding [Member]	The 2018 Stock Incentive Plan [Member]Additional Paid-in Capital [Member]	The 2018 Stock Incentive Plan [Member]Treasury Stock [Member]	The 2018 Stock Incentive Plan [Member]Unallocated Common Stock Held by Benefit Plans [Member]	The 2018 Stock Incentive Plan [Member]AOCI Attributable to Parent [Member]	The 2018 Stock Incentive Plan [Member]Retained Earnings [Member]	The 2018 Stock Incentive Plan [Member]	The 2008 Stock Option Plan [Member]Common Stock Outstanding [Member]	The 2008 Stock Option Plan [Member]Additional Paid-in Capital [Member]	The 2008 Stock Option Plan [Member]Treasury Stock [Member]	The 2008 Stock Option Plan [Member]Unallocated Common Stock Held by Benefit Plans [Member]	The 2008 Stock Option Plan [Member]AOCI Attributable to Parent [Member]	The 2008 Stock Option Plan [Member]Retained Earnings [Member]	The 2008 Stock Option Plan [Member]	Common Stock Outstanding [Member]	Additional Paid-in Capital [Member]	Treasury Stock [Member]	Unallocated Common Stock Held by Benefit Plans [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]	Total
BALANCE (in shares) at Dec. 31, 2017																						1,920,024
Balance beginning of the year at Dec. 31, 2017																						$ 28,000	$ 14,481,000	$ (4,675,000)	$ (277,000)	$ (15,000)	$ 12,643,000	$ 22,185,000
Common stock allocated by ESOP (14,428 shares)																							124,000		68,000			192,000
Treasury stock purchased (in shares)																						(60,711)
Treasury stock purchased																								(795,000)	2,000			(793,000)
Reissuance of treasury stock (in shares)	4,793							4,997							106,844
Reissuance of treasury stock		$ 37,000	$ 27,000				$ 64,000		$ (28,000)	$ 28,000						$ (57,000)	$ 591,000				$ 534,000
Stock based compensation expense																							148,000					148,000
Release of 4,664 vested RRP shares																							(22,000)		22,000
Cash dividends declared																											(511,000)	(511,000)
Net Income																											2,004,000	2,004,000
Other comprehensive income (loss), net																										13,000		$ 13,000
BALANCE (in shares) at Dec. 31, 2018																						1,975,947						1,975,947
Balance end of the year at Dec. 31, 2018																						$ 28,000	14,683,000	(4,824,000)	(185,000)	(2,000)	14,136,000	$ 23,836,000
Common stock allocated by ESOP (14,428 shares)																							119,000		67,000			186,000
Treasury stock purchased (in shares)																						(27,297)
Treasury stock purchased																								(339,000)				(339,000)
Reissuance of treasury stock (in shares)	2,986							9,721							23,500
Reissuance of treasury stock		$ 20,000	$ 18,000				$ 38,000		$ (57,000)	$ 57,000						$ 52,000	$ 138,000				$ 190,000
Stock based compensation expense																							173,000					173,000
Cash dividends declared																											(676,000)	(676,000)
Net Income																											2,477,000	2,477,000
Other comprehensive income (loss), net																										22,000		$ 22,000
BALANCE (in shares) at Dec. 31, 2019																						1,984,857						1,984,857
Balance end of the year at Dec. 31, 2019																						$ 28,000	$ 14,990,000	$ (4,950,000)	$ (118,000)	$ 20,000	$ 15,937,000	$ 25,907,000

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Retained Earnings [Member]
Cash dividends declared, per share (in dollars per share)		$ 0.26
Common stock allocated by ESOP (in shares)	14,428	14,428
Release of vested RRP shares (in shares)		4,664
Cash dividends declared, per share (in dollars per share)	$ 0.34

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Cash Flows from Operating Activities
Net Income	$ 2,477,000	$ 2,004,000
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provision for loan losses	303,000	415,000
Depreciation expense	200,000	202,000
Amortization of operating right-of-use assets	95,000
Amortization of subordinated debt issuance costs	34,000
Amortization of other intangible	49,000	48,000
Net amortization of securities premiums	28,000	19,000
Accretion of deferred loan fees and costs, net	(435,000)	(348,000)
Deferred income taxes	(41,000)	(26,000)
Stock-based compensation expense	359,000	340,000
Loss on sale of investment securities available for sale	4,000
Net gain on loans held for sale	(3,014,000)	(2,120,000)
Loans held for sale-originations	(135,310,000)	(100,138,000)
Loans held for sale-proceeds	134,499,000	104,160,000
Gain on the sale of SBA loans	(265,000)	(105,000)
Net loss (gain) on sale and write-downs of other real estate owned	221,000	(63,000)
Increase in the cash surrender value of bank-owned life insurance	(80,000)	(80,000)
Changes in assets and liabilities which provided (used) cash:
Accrued interest receivable	(196,000)	(132,000)
Prepaid expenses and other assets	(395,000)	197,000
Accrued interest payable	93,000	54,000
Accrued expenses and other liabilities	(478,000)	437,000
Net Cash (Used in) Provided by Operating Activities	(1,852,000)	4,864,000
Cash Flows from Investing Activities
Purchase of interest-earning time deposits	(6,849,000)	(809,000)
Redemption of interest-earning time deposits	1,603,000	761,000
Purchase of investment securities available for sale	(3,319,000)
Principal repayments on investment securities available for sale	1,341,000	1,230,000
Proceeds from the sales of investment securities available for sale	1,030,000
Net increase in loans receivable	(29,397,000)	(16,734,000)
Purchase of Federal Home Loan Bank stock	(614,000)	(12,000)
Redemption of Federal Home Loan Bank stock	120,000	160,000
Proceeds from the sale of other real estate owned		63,000
Capitalized expenditures on other real estate owned	(395,000)	(109,000)
Purchase of premises and equipment	(368,000)	(272,000)
Net Cash Used in Investing Activities	(36,848,000)	(15,722,000)
Cash Flows from Financing Activities
Net (decrease) increase in demand deposits, money markets, and savings accounts	(2,689,000)	4,512,000
Net increase in certificate accounts	18,236,000	21,178,000
Increase in advances from borrowers for taxes and insurance	212,000	145,000
Net proceeds (repayments) from Federal Home Loan Bank short-term borrowings	1,000,000	(1,000,000)
Proceeds from Federal Home Loan Bank long-term borrowings	14,271,000
Repayment of Federal Home Loan Bank long-term borrowings	(3,000,000)	(3,000,000)
Net proceeds from the issuance of subordinated debt		7,831,000
Dividends paid	(676,000)	(511,000)
Purchase of treasury stock	(339,000)	(793,000)
Proceeds from the reissuance of treasury stock	38,000	64,000
Proceeds from the exercise of stock options	190,000	534,000
Net Cash Provided by Financing Activities	27,243,000	28,960,000
Net (Decrease) Increase in Cash and Cash Equivalents	(11,457,000)	18,102,000
Cash and Cash Equivalents – Beginning of Year	26,012,000	7,910,000
Cash and Cash Equivalents – End of Year	14,555,000	26,012,000
Supplementary Disclosure of Cash Flow and Non-Cash Information:
Cash payments for interest	5,333,000	3,766,000
Cash payments for income taxes	1,034,000	561,000
Transfer of loans to other real estate owned		1,541,000
Initial recognition of operating lease right-of use assets	1,386,000
Initial recognition of operating lease obligations	$ 1,386,000

Note 1 - Nature of Operations

Note 1 - Nature of Operations	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Nature of Operations [Text Block]	Note 1 The consolidated financial statements include the accounts of Quaint Oak Bancorp, Inc., a Pennsylvania chartered corporation (the "Company" or "Quaint Oak Bancorp") and its wholly owned subsidiary, Quaint Oak Bank, a Pennsylvania chartered stock savings bank (the “Bank”), along with its wholly owned subsidiaries. At December 31, 2019, five July 2009. February, 2019, July 2012 August 2016 The Bank is subject to regulation by the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation. Pursuant to the Bank’s election under Section 10 two February 2020,

Note 2 - Summary of Significant

Note 2 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block]	Note 2 Use of Estimates The preparation of the financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period. Actual results could differ from those estimates. The Company’s most significant estimates are the determination of the allowance for loan losses and valuation of deferred tax assets. Significant Group Concentrations of Credit Risk The Bank has a significant concentration of loans in Philadelphia County, Pennsylvania. The concentration of credit by type of loan is set forth in Note 7. December 31, 2019, one 44% 40% Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include non-interest earning and interest-earning demand deposits and money market accounts with various financial institutions, all of which mature within ninety Investment Securities Management determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each balance sheet date. Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time but not Securities classified as held to maturity are those debt securities the Company has both the intent and ability to hold to maturity regardless of the changes in market conditions, liquidity needs, or changes in general economic conditions. These securities are carried at cost adjusted for amortization of premium and accretion of discount, which are recognized in interest income using the interest method over the terms of the securities. The Company follows the accounting guidance related to recognition and presentation of other-than-temporary impairment. This accounting guidance specifies that (a) if a company does not not not not not not not no December 31, 2019 2018. Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (FHLB) system to hold restricted stock of its district Federal Home Loan Bank according to a predetermined formula. FHLB stock is carried at cost and evaluated for impairment. When evaluating FHLB stock for impairment, its value is determined based on the ultimate recoverability of the par value of the stock. We evaluate our holdings of FHLB stock for impairment each reporting period. No December 31, 2019 2018. Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees. Interest income is accrued on the unpaid principal balance. Loan origination fees and costs are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Bank is generally amortizing these amounts over the contractual life of the loan. The loans receivable portfolio is segmented into residential loans, commercial real estate loans, construction loans, commercial business, and consumer loans. The residential loan segment has two one four one four five The accrual of interest is generally discontinued when principal or interest has become 90 no Allowance for Loan Losses The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the balance sheet date and is recorded as a reduction to loans. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Because all identified losses are immediately charged off, no The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may may The allowance consists of specific, general and unallocated components. The specific component relates to loans that are identified as impaired. For loans that are identified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers pools of loans by loan class. These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative factors. These significant factors may A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not A loan is considered a troubled debt restructuring (“TDR”) if the Company, for economic or legal reasons related to a debtor’s financial difficulties, grants a concession to the debtor that it would not For loans secured by real estate, estimated fair values are determined primarily through third The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for all loans (except one four $500,000, may not may may not Loans Held for Sale Loans originated by the Bank’s mortgage banking subsidiary, Quaint Oak Mortgage, LLC, are intended for sale in the secondary market and are carried at the lower of cost or fair value (LOCOM). Gains and losses on loan sales (sales proceeds minus carrying value) are recorded in noninterest income, and direct loan origination costs, commissions and fees are deferred at origination of the loan and are recognized in noninterest income upon sale of the loan. To a lesser extent, the Bank originates commercial business loans for the purchase of business essential equipment for sale primarily to other financial institutions. Bank Owned Life Insurance (“BOLl”) The Company purchases bank owned life insurance as a mechanism for funding various employee benefit costs. The Company is the beneficiary of these policies that insure the lives of certain officers of its subsidiaries. The Company has recognized the cash surrender value under the insurance policies as an asset in the Consolidated Balance Sheets. Changes in the cash surrender value are recorded in non-interest income in the Consolidated Statements of Income. Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line method over the expected useful lives of the related assets that range from three thirty-nine Intangible Assets Intangible assets on the consolidated balance sheets represent the acquisition by Quaint Oak Insurance Agency of the renewal rights to a book of business on August 1, 2016 $1.0 $515,000 $485,000 ten The Company will complete a goodwill and other intangible asset analysis at least on an annual basis or more often if events and circumstances indicate that there may Other Real Estate Owned Other real estate owned or foreclosed assets are comprised of property acquired through a foreclosure proceeding or acceptance of a deed in lieu of foreclosure and loans classified as in-substance foreclosures. A loan is classified as in-substance foreclosure when the Bank has taken possession of the collateral regardless of whether formal foreclosure proceedings take place. Other real estate properties are initially recorded at fair value, net of estimated selling costs at the date of foreclosure, establishing a new cost basis. After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of cost or fair value less estimated costs to sell. Net revenue and expenses from operations and additions to the valuation allowance are included in other expenses. The Company had four $1.8 December 31, 2019. $1.7 December 31, 2018. Mortgage Servicing Rights Included in other assets are mortgage servicing rights recognized as separate assets when mortgage loans are sold and the servicing rights are retained. These capitalized mortgage servicing rights are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing period of the underlying mortgage loans. Mortgage servicing rights totaled $128,000 $87,000 December 31, 2019 2018, December 31, 2019 2018, $13,000 $10,000 Advertising Costs The Company expenses all advertising costs as incurred. Advertising costs are included in non-interest expense on the Consolidated Statements of Income. Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when ( 1 2 3 not Income Taxes Deferred income taxes are provided on the liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax basis. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not not The Company follows guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. A tax position is recognized as a benefit only if it is more likely than not 50 not not no no December 31, 2019 2018. no January 1, 2016. Comprehensive Income (Loss) Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the stockholders’ equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss). Treasury Stock and Unallocated Common Stock The acquisition of treasury stock by the Company, including unallocated stock held by certain benefit plans, is recorded under the cost method. At the date of subsequent reissue, treasury stock is reduced by the cost of such stock based on an average cost method with any excess proceeds credited to additional paid-in capital. Share-Based Compensation Stock compensation accounting guidance requires that the compensation cost relating to share-based payment transactions be recognized in financial statements. That cost is measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock option and restricted share plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options, while the closing price of the Company’s common stock on the grant date is used for restricted stock awards. At December 31, 2019, two 2013 2018 May 2013 2018. 14. The Company also has an employee stock ownership plan (“ESOP”). This plan is more fully described in Note 14. Earnings Per Share Amounts reported in earnings per share reflect earnings available to common stockholders for the period divided by the weighted average number of shares of common stock outstanding during the period, exclusive of unearned ESOP shares, unvested restricted stock (RRP) shares and treasury shares. Stock options and unvested restricted stock are regarded as potential common stock and are considered in the diluted earnings per share calculations to the extent they would have a dilutive effect if converted to common stock, computed using the “treasury stock” method. Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, “Revenue from Contracts with Customers” (“Topic 606” 606, The Company’s primary sources of revenue are derived from interest and dividends earned on loans and investment securities, mortgage banking revenue, including gains on the sale of mortgage loans, income from bank-owned life insurance, and other financial instruments that are not 606. Service Charges on Deposits Abstract Title Fees Real Estate Sales Commissions, Net Insurance Commissions : not one no Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit. Such financial instruments are recorded in the consolidated balance sheet when they are funded. Reclassifications Certain items in the 2018 2019 not Recently Adopted Accounting Pronouncements In February 2016, 2016 02, 842 one 12 not may December 15, 2018, January 1, 2019 $1.4 December 31, 2019 Recent Accounting Pronouncements Not In June 2016, 2016 13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments, 2016 13 December 15, 2019, December 15, 2018. first In November 2019, 2019 10, Financial Instruments – Credit Losses (Topic 326 Hedging (Topic 815 842 2016 13 December 15, 2022, one first one In January 2017, 2017 04, Simplifying the Test for Goodwill Impairment 2 2, not of goodwill allocated to that reporting unit. A public business entity that is a U.S. Securities and Exchange Commission (“SEC”) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. November 2019, 2019 10, Financial Instruments – Credit Losses (Topic 326 815 842 350, Intangibles – Goodwill and Other December 15, 2022, not In August 2018, 2018 13, Fair Value Measurement (Topic 820 December 15, 2019. not In May 2019, 2019 05, Financial Instruments – Credit Losses, Topic 326 825 10.3. not 2016 13. not 2016 13, 2016 13. 2016 13, 2019 05 for fiscal years beginning after December 15, 2019, 2016 13 November, 2019, 2019 10, Financial Instruments – Credit Losses (Topic 326 815 842 944 , Financial Services – Insurance December 15, 2021, December 15, 2023, December 15, 2024. not In December 2019, 2019 12, Income Taxes (Topic 740 not not December 15, 2020. December 15, 2021, December 15, 2022. not

Note 3 - Earnings Per Share

Note 3 - Earnings Per Share	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 3 – Earnings Per Share Earnings per share (“EPS”) consists of two not December 31, 2019 2018, The following table sets forth the composition of the weighted average shares (denominator) used in the basic and dilutive earnings per share computations. For the Year Ended December 31, 201 9 201 8 Net Income $ 2,477,000 $ 2,004,000 Weighted average shares outstanding – basic 1,956,612 1,923,491 Effect of dilutive common stock equivalents 48,826 59,507 Adjusted weighted average shares outstanding – diluted 2,005,438 1,982,998 Basic earnings per share $ 1.27 $ 1.04 Diluted earnings per share $ 1.24 $ 1.01

Note 4 - Accumulated Other Comp

Note 4 - Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 4 – Accumu lated Other Comprehensive Income ( Loss ) The following table presents the changes in accumulated other comprehensive income (loss) by component, net of tax, for the years ended December 31, 2019 2018 Unrealized Losses on Investment Securities Available for Sale (1) 201 9 201 8 Balance beginning of the year $ (2 ) $ (15 ) Other comprehensive income before reclassifications 19 13 Amount reclassified from accumulated other comprehensive income (loss) 3 -- Total other comprehensive income 22 13 Reclassification of certain income tax effects from accumulated other comprehensive income -- -- Balance end of the year $ 20 $ (2 ) ________________________ ( 1 All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents significant amounts reclassified out of each component of accumulated other comprehensive loss for the years ended December 31, 2019 2018 Details About Other Comprehensive Loss Amount Reclassified from Accumulated Other Comprehensive Loss (1) Affected Line Item in the Statement of Income For the Year Ended December 3 1 , 2019 2018 Unrealized losses on investment securities available for sale $ (4 ) $ -- Loss on sales of investment securities 1 -- Income taxes $ (3 ) $ -- Net of tax ___________________ ( 1 Amounts in parentheses indicate debits.

Note 5 - Investment in Interest

Note 5 - Investment in Interest-earning Time Deposits	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Investments and Other Noncurrent Assets [Text Block]	Note 5 The investment in interest-earning time deposits as of December 31, 2019 2018, 2019 20 1 8 Due in one year or less $ 2,026 $ 1,604 Due after one year through five years 8,146 3,323 Total $ 10,172 $ 4,927

Note 6 - Investment Securities

Note 6 - Investment Securities Available for Sale	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 6 The amortized cost, gross unrealized gains and losses, and fair value of investment securities available for sale at December 31, 2019 2018 December 31, 201 9 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Available for Sale: Mortgage-backed securities: Governmental National Mortgage Association securities $ 5,841 $ 13 $ (1 ) $ 5,853 Federal National Mortgage Association securities 258 2 -- 260 Total mortgage-backed securities 6,099 15 (1 ) 6,113 Debt securities: Corporate notes 1,500 10 -- 1,510 Total available-for-sale-securities $ 7,599 $ 25 $ (1 ) $ 7,623 December 31, 201 8 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Available for Sale: Mortgage-backed securities: Governmental National Mortgage Association securities $ 4,844 $ 29 $ -- $ 4,873 Federal Home Loan Mortgage Corporation securities 1,111 -- (29 ) 1,082 Federal National Mortgage Association securities 367 -- -- 367 Total mortgage-backed securities 6,322 29 (29 ) 6,322 Debt securities: U.S. government agency 360 -- (2 ) 358 Total available-for-sale-securities $ 6,682 $ 29 $ (31 ) $ 6,680 The amortized cost and fair value of mortgage-backed and debt securities at December 31, 2019, may Available for Sale Amortized Cost Fair Value Due after five through ten years $ 1,500 $ 1,510 Due after ten years 6,099 6,113 Total $ 7,599 $ 7,623 The following tables show the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2019 2018 December 31 , 201 9 Less than Twelve Months Twelve Months or Greater Total Number of Fair Value Gross Fair Value Gross Fair Value Gross Government National Mortgage Association securities 4 $ 2,295 $ (1 ) -- -- $ 2,295 $ (1 ) December 31 , 201 8 Less than Twelve Months Twelve Months or Greater Total Number of Fair Value Gross Fair Value Gross Fair Value Gross Federal Home Loan Mortgage Corporation mortgage-backed securities 2 -- -- $ 1,082 $ (29 ) $ 1,082 $ (29 ) Debt securities, U.S. government agency 1 -- -- 358 (2 ) 358 (2 ) Total 3 $ -- $ -- $ 1,440 $ (31 ) $ 1,440 $ (31 ) At December 31, 2019, four 0.05% may not December 31, 2019 no December 31, 2019 2018.

Note 7 - Loans Receivable, Net

Note 7 - Loans Receivable, Net and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Financing Receivables [Text Block]	Note 7 - Loans Receivable, Net and Allowance for Loan Losses The composition of net loans receivable is as follows (in thousands): December 31, 20 1 9 December 31, 20 1 8 Real estate loans: One-to-four family residential: Owner occupied $ 6,298 $ 6,603 Non-owner occupied 39,897 47,361 Total one-to-four family residential 46,195 53,964 Multi-family (five or more) residential 22,233 23,967 Commercial real estate 119,323 103,819 Construction 12,523 9,998 Home equity 3,726 4,347 Total real estate loans 204,000 196,095 Commercial business 45,745 23,616 Other consumer 22 19 Total Loans 249,767 219,730 Deferred loan fees and costs (844 ) (867 ) Allowance for loan losses (2,231 ) (1,965 ) Net Loans $ 246,692 $ 216,898 The following tables present the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company’s internal risk rating system as of December 31, 2019 2018 December 31, 201 9 Pass Special Mention Substandard Doubtful Total One-to-four family residential owner occupied $ 6,126 $ -- $ 172 $ -- $ 6,298 One-to-four family residential non-owner occupied 39,579 -- 318 -- 39,897 Multi-family residential 22,233 -- -- -- 22,233 Commercial real estate 118,233 798 292 -- 119,323 Construction 12,523 -- -- -- 12,523 Home equity 3,726 -- -- -- 3,726 Commercial business 45,745 -- -- -- 45,745 Other consumer 22 -- -- -- 22 Total $ 248,187 $ 798 $ 782 $ -- $ 249,767 December 31, 20 1 8 Pass Special Mention Substandard Doubtful Total One-to-four family residential owner occupied $ 6,421 $ -- $ 182 $ -- $ 6,603 One-to-four family residential non-owner occupied 46,534 -- 827 -- 47,361 Multi-family residential 23,967 -- -- -- 23,967 Commercial real estate 101,821 -- 1,998 -- 103,819 Construction 9,998 -- -- -- 9,998 Home equity 4,347 -- -- -- 4,347 Commercial business 23,149 -- 467 -- 23,616 Other consumer 19 -- -- -- 19 Total $ 216,256 $ -- $ 3,474 $ -- $ 219,730 The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not December 31, 2019 December 31, 20 1 9 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One-to-four family residential owner occupied $ 172 $ 178 $ -- $ 178 $ -- One-to-four family residential non-owner occupied 19 19 -- 225 13 Multi-family residential -- -- -- -- -- Commercial real estate -- -- -- -- -- Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- With an allowance recorded: One-to-four family residential owner occupied $ -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied -- -- -- -- -- Multi-family residential -- -- -- -- -- Commercial real estate 132 132 4 133 12 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total: One-to-four family residential owner occupied $ 172 178 $ -- $ 178 $ -- One-to-four family residential non-owner occupied 19 19 -- 225 13 Multi-family residential -- -- -- -- -- Commercial real estate 132 132 4 133 12 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total $ 323 $ 329 $ 4 $ 536 $ 25 The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not December 31, 2018 December 31, 20 1 8 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One-to-four family residential owner occupied $ 182 $ 185 $ -- $ 417 $ 23 One-to-four family residential non-owner occupied 265 265 -- 324 17 Multi-family residential -- -- -- -- -- Commercial real estate -- -- -- -- -- Construction -- -- -- 2,050 37 Home equity -- -- -- 44 2 Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- With an allowance recorded: One-to-four family residential owner occupied $ -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied 68 68 50 162 4 Multi-family residential -- -- -- -- -- Commercial real estate 133 133 5 133 10 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total: One-to-four family residential owner occupied $ 182 185 $ -- $ 417 $ 23 One-to-four family residential non-owner occupied 333 333 50 486 21 Multi-family residential -- -- -- -- -- Commercial real estate 133 133 5 133 10 Construction -- -- -- 2,050 37 Home equity -- -- -- 44 2 Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total $ 648 $ 651 $ 55 $ 3,130 $ 93 The loan portfolio also includes certain loans that have been modified in a troubled debt restructuring, where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from loss mitigation activities and could include reductions in the interest rate, payment extensions, forbearance, or other actions. At December 31, 2019, two $151,000 one 31 December 31, 2019. December 31, 2019, no December 31, 2018, two $398,000 not six The following tables present the Company’s TDR loans as of December 31, 2019 2018 December 31, 201 9 Number of Contracts Recorded Investment Non-Accrual Accruing Related Allowance One-to-four family residential owner occupied -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied 1 19 -- 19 -- Multi-family residential -- -- -- -- -- Commercial real estate 1 132 -- 132 4 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total 2 $ 151 $ -- $ 151 $ 4 December 31, 20 1 8 Number of Contracts Recorded Investment Non-Accrual Accruing Related Allowance One-to-four family residential owner occupied -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied 1 265 -- 265 -- Multi-family residential -- -- -- -- -- Commercial real estate 1 133 -- 133 5 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total 2 $ 398 $ -- $ 398 $ 5 The contractual aging of the TDRs in the tables above as of December 31, 2019 2018 December 31, 2019 Accruing Past Due Less than 30 Days Past Due 30-89 Days Greater than 90 Days Non-Accrual Total One-to-four family residential owner occupied $ -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied -- 19 -- -- 19 Multi-family residential -- -- -- -- -- Commercial real estate 132 -- -- -- 132 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total $ 132 $ 19 $ -- $ -- $ 151 December 31, 201 8 Accruing Past Due Less than 30 Days Past Due 30-89 Days Greater than 90 Days Non-Accrual Total One-to-four family residential owner occupied $ -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied 265 -- -- -- 265 Multi-family residential -- -- -- -- -- Commercial real estate 133 -- -- -- 133 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total $ 398 $ -- $ -- $ -- $ 398 Any reserve for an impaired TDR loan is based upon the present value of the future expected cash flows discounted at the loan’s original effective rate or upon the fair value of the collateral less costs to sell, if the loan is deemed collateral dependent. At December 31, 2019 no The general practice of the Bank is to work with borrowers so that they are able to pay back their loan in full. If a borrower continues to be delinquent or cannot meet the terms of a TDR modification and the loan is determined to be uncollectible, the loan will be charged off. Following is a summary, by loan portfolio class, of changes in the allowance for loan losses for the year ended December 31, 2019 December 31, 2019 ( December 31, 2019 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 51 $ 435 $ 156 $ 839 $ 175 $ 21 $ 247 $ 41 $ 1,965 Charge-offs -- (37 ) -- -- -- -- -- -- (37 ) Recoveries -- -- -- -- -- -- -- -- -- Provision 1 (47 ) (11 ) 15 75 (2 ) 253 19 303 Ending balance $ 52 $ 351 $ 145 $ 854 $ 250 $ 19 $ 500 $ 60 $ 2,231 Ending balance evaluated for impairment: Individually $ -- $ -- $ -- $ 4 $ -- $ -- $ -- $ -- $ 4 Collectively $ 52 $ 351 $ 145 $ 850 $ 250 $ 19 500 $ 60 $ 2,227 Loans receivable: Ending balance $ 6,298 $ 39,897 $ 22,233 $ 119,323 $ 12,523 $ 3,726 $ 45,767 $ 249,767 Ending balance evaluated for impairment: Individually $ 172 $ 19 $ -- $ 132 $ -- $ -- $ -- $ 323 Collectively $ 6,126 $ 39,878 $ 22,233 $ 119,191 $ 12,523 $ 3,726 $ 45,767 $ 249,444 The Bank allocated increased allowance for loan loss provisions to the commercial business loan portfolio class, the construction loan portfolio class, and the commercial real estate loan portfolio class for the year ended December 31, 2019, 1 4 December 31, 2019, Following is a summary, by loan portfolio class, of changes in the allowance for loan losses for the year ended December 31, 2018 December 31, 2018 ( December 31, 201 8 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 48 $ 540 $ 152 $ 687 $ 136 $ 27 $ 140 $ 82 $ 1,812 Charge-offs -- (47 ) -- -- (215 ) -- -- -- (262 ) Recoveries -- -- -- -- -- -- -- -- -- Provision 3 (58 ) 4 152 254 (6 ) 107 (41 ) 415 Ending balance $ 51 $ 435 $ 156 $ 839 $ 175 $ 21 $ 247 $ 41 $ 1,965 Ending balance evaluated for impairment: Individually $ -- $ 50 $ -- $ 5 $ -- $ -- $ -- $ -- $ 55 Collectively $ 51 $ 385 $ 156 $ 834 $ 175 $ 21 247 $ 41 $ 1,910 Loans receivable: Ending balance $ 6,603 $ 47,361 $ 23,967 $ 103,819 $ 9,998 $ 4,347 $ 23,635 $ 219,730 Ending balance evaluated for impairment: Individually $ 182 $ 333 $ -- $ 133 $ -- $ -- $ -- $ 648 Collectively $ 6,421 $ 47,028 $ 23,967 $ 103,686 $ 9,998 $ 4,347 $ 23,635 $ 219,082 The Bank allocated increased allowance for loan loss provisions to the construction loan portfolio class for the year ended December 31, 2018, December 31, 2018, December 31, 2018, 1 4 December 31, 2018, The following table presents non-accrual loans by classes of the loan portfolio as of December 31, 2019 2018 December 31, 201 9 December 31, 201 8 One-to-four family residential owner occupied $ 172 $ 182 One-to-four family residential non-owner occupied -- 68 Multi-family residential -- -- Commercial real estate -- -- Construction -- -- Home equity -- -- Commercial business -- -- Other consumer -- -- Total $ 172 $ 250 Non-performing loans, which consist of non-accruing loans plus accruing loans 90 $362,000 $1.2 December 31, 2019 2018, For the years ended December 31, 2019 2018 no $10,000 $16,000 December 31, 2019 2018, The performance and credit quality of the loan portfolio are also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the past due status as of December 31, 2019 2018 December 31, 201 9 30- 89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Loans Receivable > 90 Days and Accruing One-to-four family residential owner occupied $ 1,199 $ 172 $ 1,371 $ 4,927 $ 6,298 $ -- One-to-four family residential non-owner occupied 1,069 -- 1,069 38,828 39,897 -- Multi-family residential -- -- -- 22,233 22,233 -- Commercial real estate 986 190 1,176 118,147 119,323 190 Construction 1,120 -- 1,120 11,403 12,523 -- Home equity -- -- -- 3,726 3,726 -- Commercial business 66 -- 66 45,679 45,745 -- Other consumer -- -- -- 22 22 -- Total $ 4,440 $ 362 $ 4,802 $ 244,965 $ 249,767 $ 190 December 31, 201 8 30-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Loans Receivable 90 Days or More Past Due and Accruing One-to-four family residential owner occupied $ 1,096 $ 182 $ 1,278 $ 5,325 $ 6,603 $ -- One-to-four family residential non-owner occupied 1,259 68 1,327 46,034 47,361 -- Multi-family residential 371 -- 371 23,596 23,967 -- Commercial real estate 2,070 548 2,618 101,201 103,819 548 Construction 2,231 -- 2,231 7,767 9,998 -- Home equity 31 -- 31 4,316 4,347 -- Commercial business 3 380 383 23,233 23,616 380 Other consumer -- -- -- 19 19 -- Total $ 7,061 $ 1,178 $ 8,239 $ 211,491 $ 219,730 $ 928

Note 8 - Premises and Equipment

Note 8 - Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	Note 8 The components of premises and equipment at December 31, 2019 2018 2019 2018 Land and land improvements $ 292 $ 298 Buildings 1,695 1,456 Leasehold improvements 441 439 Furniture, fixtures and equipment 1,444 1,311 3,872 3,504 Accumulated depreciation (1,646 ) (1,446 ) Premises and equipment, net $ 2,226 $ 2,058 Depreciation expense for the years ended December 31, 2019 2018 $200,000 $202,000,

Note 9 - Goodwill and Other Int

Note 9 - Goodwill and Other Intangible, Net	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note 9 – Goodwill and Other Intangible, Net On August 1, 2016, $1.0 $515,000 $485,000 ten December 31, 2019 $319,000, $166,000. December 31, 2019 2018 $49,000 $48,000, Estimated amortization expense of other intangible for each of the next five 2020 $ 49 2021 49 2022 49 2023 49 2024 49 Thereafter 74 Total $ 319

Note 10 - Deposits

Note 10 - Deposits	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 10 Deposits and the weighted average interest rate at December 31, 2019 2018 2019 2018 Amount Weighted Average Interest Amount Weighted Average Interest Non-interest bearing checking accounts $ 15,775 -- % $ 17,542 -- % Passbook accounts 5 0.15 192 0.15 Savings accounts 1,722 0.20 1,120 0.20 Money market accounts 25,504 0.80 26,841 0.80 Certificate of deposit accounts 184,452 2.27 166,216 2.10 Total $ 227,458 1.87 % $ 211,911 1.69 % A summary of certificates of deposit by maturity at December 31, 2019 Years ending December 31: 2020 $ 94,122 2021 52,497 2022 12,082 2023 14,813 2024 10,938 Total $ 184,452 The aggregate amount of certificates of deposit with a minimum denomination of $250,000 $29.9 $25.7 December 31, 2019 2018,

Note 11 - Borrowings

Note 11 - Borrowings	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Debt Disclosure [Text Block]	Note 11 As of December 31, 2019, $145.7 $36.3 $24.0 December 31, 2019 2018, December 31, 2019, $892,000 no December 31, 2019 2018. Federal Home Loan Bank short-term borrowings and the weighted interest rate consist of the following at December 31, 2019 2018 At or For the Year Ended December 31, 201 9 201 8 FHLB short-term borrowings: Average balance outstanding $ 5,585 $ 9,745 Maximum amount outstanding at any month-end during the period 11,000 10,000 Balance outstanding at end of period 10,000 9,000 Average interest rate during the period 2.52 % 2.02 % Weighted average interest rate at end of period 1.81 % 2.62 % Federal Home Loan Bank long-term borrowings and the weighted interest rate consist of the following at December 31, 2019 2018 December 31, 201 9 December 31, 201 8 Fixed rate borrowings maturing: Amount Weighted Interest Amount Weighted Interest 2019 $ -- -- % $ 3,000 1.86 % 2020 2,000 2.00 2,000 2.00 2021 5,000 2.20 3,000 2.05 2022 7,171 2.10 3,000 2.18 2023 7,000 2.16 3,000 2.33 2024 5,100 2.28 1,000 -- Total FHLB long-term debt $ 26,271 2.16 % $ 15,000 2.12 %

Note 12 - Subordinated Debt

Note 12 - Subordinated Debt	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Subordinated Borrowings Disclosure [Text Block]	Note 12 On December 27, 2018, $8.0 December 31, 2028, 6.50%. may, December 31, 2023, The balance and unamortized issuance costs of subordinated debt at December 31, 2019 Principal Unamortized Debt Issuance Costs Net 6.5% subordinated notes, due December 31, 2028 $ 8,000 $ 135 $ 7,865 All subordinated notes are not

Note 13 - Income Taxes

Note 13 - Income Taxes	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Income Tax Disclosure [Text Block]	Note 13 The components of income tax expense for the years ended December 31, 2019 2018 201 9 201 8 Federal: Current $ 724 $ 507 Deferred (41 ) (26 ) Total federal 683 481 State, current 267 186 Total $ 950 $ 667 The following table presents the reconciliation between the reported income tax expense and the income tax expense which would be computed by applying the normal federal income tax rate of 21% December 31, 2019 2018, 201 9 201 8 Amount Rate Amount Rate Federal income tax at statutory rate $ 719 21.0 % $ 560 21.0 % State tax, net of federal benefit 211 6.2 151 5.7 Stock compensation expense 30 0.9 (33 ) (1.2 ) Other (10 ) (0.2 ) (11 ) (0.5 ) Total $ 950 27.9 % $ 667 25.0 % The components of the net deferred tax asset at December 31, 2019 2018 20 1 9 20 1 8 Deferred tax assets: Allowance for loan losses $ 468 $ 413 Stock-based compensation 8 7 Interest on non-accrual loans 2 2 Deferred loan fees 177 182 Organization cost 1 1 Total deferred tax assets 656 605 Deferred tax liabilities: Bank premises and equipment (100 ) (93 ) Unrealized gain on investment securities available for sale (5 ) -- Intangible (13 ) (9 ) Total deferred tax liabilities (118 ) (102 ) Net Deferred Tax Asset $ 538 $ 503 The net deferred tax asset at December 31, 2019 2018 $538,000 $503,000, No December 31, 2019 2018,

Note 14 - Stock Compensation Pl

Note 14 - Stock Compensation Plans	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	Note 1 4 – Stock Compensation Plans Employee Stock Ownership Plan The Company maintains an Employee Stock Ownership Plan (ESOP) for the benefit of employees who meet the eligibility requirements of the plan. Using proceeds from a loan from the Company, the ESOP purchased 8%, 222,180 2007. 7.75% 15 December 31, 2019, seven 2007 Shares of the Company’s common stock purchased by the ESOP are held in a suspense account and reported as unallocated common stock held by the ESOP in stockholders’ equity until released for allocation to participants. As the debt is repaid, shares are released from collateral and are allocated to each eligible participant based on the ratio of each such participant’s base compensation to the total base compensation of eligible plan participants. As the unearned shares are committed to be released and allocated among participants, the Company recognizes compensation expense equal to the average market value of the shares, and the shares become outstanding for earnings per share computations. During the years ended December 31, 2019 2018, $186,000 $192,000 The following table represents the components of the ESOP shares at December 31, 2019 2018: 2019 2018 Allocated shares 180,959 179,637 Unreleased shares 25,249 39,677 Total ESOP shares 206,208 219,314 Fair value of unreleased shares (in thousands) $ 372 $ 469 Recognition and Retention and Stock Incentive Plan s In May 2008, 2008 2008 111,090 $4.68 $520,000. May 8, 2018 December 31, 2019 no May 2013, 2013 “2013 2013 May 2013 195,000 48,750, 25%, may 146,250 May 2018, 2018 “2018 2018 May 2018 155,000 38,750, 25%, may 116,250 As of December 31, 2019, 38,887 2013 2018 11,750 2018 none 2013 2013 2018 five A summary of the status of the shares awarded under the RRP and the 2013 2018 December 31, 2019 2018 December 31, 2019 2018 2019 2018 Number of Shares Weighted Average Grant Date Fair Value Number of Shares Weighted Average Grant Date Fair Value Unvested at the beginning of the year 48,608 $ 13.30 10,061 $ 8.10 Granted -- -- 48,608 13.30 Vested (9,721 ) 13.30 (9,661 ) 8.10 Forfeited -- -- (400 ) 8.10 Unvested at the end of the year 38,887 $ 13.30 48,608 $ 13.30 Compensation expense on the restricted stock awards is recognized ratably over the five December 31, 2019 2018, $129,000 $107,000 $27,000 $22,000 December 31, 2019 2018, December 31, 2019, $437,000 3.4 Stock Options In May 2008, 2008 May 2013, 2013 “2013 277,726 no February 13, 2018, 2013 2013 May 2013 195,000 48,750, 25%, may 146,250 May 2018, 2018 “2018 2018 May 2018 155,000 38,750, 25%, may 116,250 For grants in May 2008, $5.00 May 2008 May 2018. 422 As of December 31, 2019, 256,336 37,250 none five ten A summary of option activity under the Company’s Option Plan and Stock Incentive Plan for the years ended December 31, 2019 2018 December 31, 2019 2018 201 9 2018 Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Outstanding at the beginning of the year 279,836 $ 10.64 6.8 265,302 $ 6.74 3.2 Granted -- -- -- 136,636 13.30 9.4 Exercised (23,500 ) 8.10 -- (106,844 ) 5.00 -- Forfeited -- -- -- (15,258 ) 6.22 -- Outstanding at the end of the period 256,336 $ 10.87 6.0 279,836 $ 10.64 6.8 Exercisable at the end of the period 147,027 $ 9.07 4.8 143,200 $ 8.10 4.4 The estimated fair value of the options granted in May 2018 $1.75 Expected dividend yield 2.11 % Risk-free interest rate 2.96 % Expected life of options (in years) 6.5 Expected stock-price volatility 12.42 % The dividend yield was calculated on the dividend amount and stock price existing at the grant date. The risk free interest rate used was based on the rates of United States Treasury securities with maturities equal to the expected lives of the options. Although the contractual term of the options granted is ten may At December 31, 2019, $994,000 $836,000. December 31, 2018, $330,000 $533,000. December 31, 2019 December 31, 2018. During the years ended December 31, 2019 2018, $44,000 $41,000 $2,000 $1,000 December 31, 2019 2018. December 31, 2019, $149,000 3.4

Note 15 - Transactions With Exe

Note 15 - Transactions With Executive Officers and Directors	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	Note 15 Certain directors and executive officers of the Company, their families and their affiliates are customers of the Bank. Any transactions with such parties, including loans and commitments, are in the ordinary course of business at normal terms, including interest rate and collateralization, prevailing at the time and do not None December 31, 2019 2018,

Note 16 - Financial Instruments

Note 16 - Financial Instruments With Off-balance Sheet Risk	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Concentration Risk Disclosure [Text Block]	Note 16 The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. A summary of the Company's financial instrument commitments at December 31, 2019 2018 2019 2018 Commitments to originate loans $ 10,184 $ 17,593 Unfunded commitments under lines of credit 15,181 14,569 Standby letters of credit 38 83 Commitments to extend credit are agreements to lend to a customer as long as there is no may not may

Note 17 - Leases

Note 17 - Leases	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	Note 17 The Company leases its office at 501 2016 02, Leases (Topic 842 three 842 The Company has elected to account for the variable nonlease components, such as common area maintenance charges, utilities, real estate taxes, and insurance, separately from the lease component. Such variable nonlease components are reported in net occupancy expense on the Consolidated Statements of Income when paid. These variable nonlease components were excluded from the calculation of the present value of the remaining lease payments, therefore, they are not December 31, 2019 $139,000. Certain of the Company’s leases contain options to renew the lease after the initial term. Management considers the Corporation’s historical pattern of exercising renewal options on leases and the positive performance of the leased locations, when determining whether it is reasonably certain that the leases will be renewed. If management concludes that there is reasonable certainty about the renewal option, it is included in the calculation of the remaining term of each applicable lease. The discount rate utilized in calculating the present value of the remaining lease payments for each lease was the Federal Home Loan Bank of Pittsburgh advance rate corresponding to the remaining maturity of the lease as of January 1, 2019. December 31, 2019. Operating Weighted average remaining term (years) 12.5 Weighted average discount rate 3.06 % The following table presents the undiscounted cash flows due related to operating leases as of December 31, 2019, Undiscounted cash flows due (In thousands): Operating 2020 $ 138 2021 140 2022 141 2023 139 2024 143 2025 and thereafter 934 Total undiscounted cash flows 1,635 Discount on cash flows (330 ) Total lease liabilities $ 1,305 Under Topic 842, not twelve not December 31, 2019, no twelve Rental expense under operating leases totaled approximately $187,000 2019 $165,000 2018.

Note 18 - Regulatory Matters

Note 18 - Regulatory Matters	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 18 The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk-weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth below) of total, Tier 1, 1 1 December 31, 2019, In July 2013 January 1, 2019. 1 1 1 4.5% January 1, 2015. 1 4.0% 6.0% January 1, 2015. 2.5% January 1, 2016 January 1, 2019. 100% 150% 90 1 1 Bank holding companies are generally subject to statutory capital requirements, which were implemented by certain of the new capital regulations described above that became effective on January 1, 2015. On December 27, 2018, $8.0 12 $6.5 1 December 31, 2019 no December 31, 2019 not The Bank’s actual capital amounts and ratios at December 31, 2019 2018 Actual For Capital Adequacy Purposes To be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 20 1 9 : Total capital (to risk-weighted assets) $ 33,087 14.41 % $ > > % $ > > % Tier 1 capital (to risk-weighted assets) 30,829 13.42 > > > > Common Equity Tier 1 capital (to risk-weighted assets) 30,829 13.42 > > > > Tier 1 capital (to average assets) 30,829 10.35 > > > > Actual For Capital Adequacy Purposes To be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 20 1 8 : Total capital (to risk-weighted assets) $ 29,778 15.49 % $ > > % $ > > % Tier 1 capital (to risk-weighted assets) 27,786 14.45 > > > > Common Equity Tier 1 capital (to risk-weighted assets) 27,786 14.45 > > > > Tier 1 capital (to average assets) 27,786 10.92 > > > > Under the Dodd-Frank Wall Street Reform and Consumer Protection Act the Board of Governors of the Federal Reserve System as the primary regulator for the Company is authorized to extend leverage capital requirements and risk based capital requirements applicable to depository institutions and bank holding companies to thrift holding companies. Legislation adopted in late 2014 Banking regulations place certain restrictions on dividends paid by the Bank to the Company. The Company is dependent upon dividends from the Bank to provide funds for the payment of dividends to the Company’s shareholders, interest payments on the subordinated debt and other general corporate purposes. The Bank’s ability to pay cash dividends directly or indirectly to the Company is governed by federal law, regulations and related guidance. These include the requirement that the Bank must receive approval to declare a dividend if the total amount of all dividends, including the proposed dividend, declared by the Bank in any current year exceeds the total of the Bank’s net income for the current year to date, combined with its retained net income for the previous two The Bank may not may In 2019, not 2018, $750,000 December 31, 2019, December 31, 2019 2018 $4.3

Note 19 - Fair Value Measuremen

Note 19 - Fair Value Measurements and Fair Values of Financial Instruments	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 19 Fair value estimates are based on quoted market prices, if available, quoted market prices of similar assets or liabilities, or the present value of expected future cash flows and other valuation techniques. These valuations are significantly affected by discount rates, cash flow assumptions, and risk assumptions used. Therefore, fair values estimates may not not may Fair value is determined at one not not not not The following disclosures show the hierarchal disclosure framework associated with the level of pricing observations utilized in measuring assets and liabilities at fair value. The three Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. Level III: Valuations derived from valuation techniques in which one This hierarchy requires the use of observable market data when available. The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 18 2018 10 3 The following is a discussion of assets and liabilities measured at fair value on a recurring and non-recurring basis and valuation techniques applied: Investment Securities Available For Sale: 1 2 We may Impaired Loans: 3 Other Real Estate Owned: 3 The table below sets forth the financial assets and liabilities that were accounted for on a recurring and nonrecurring basis by level within the fair value hierarchy as of December 31, 2019 ( Dec ember 3 1 , 201 9 Fair Value Measurements Using: Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Recurring fair value measurements : Investment securities available for sale Governmental National Mortgage Association mortgage-backed securities $ 5,853 $ -- $ 5,853 $ -- Federal National Mortgage Association mortgage- backed securities 260 -- 260 -- Corporate notes 1,510 -- 1,510 -- Total investment securities available for sale $ 7,623 $ -- $ 7,623 $ -- Total recurring fair value measurements $ 7,623 $ -- $ 7,623 $ -- Nonrecurring fair value measurements Impaired loans $ 319 $ -- $ -- $ 319 Other Real Estate Owned 1,824 -- -- 1,824 Total nonrecurring fair value measurements $ 2,143 $ -- $ -- $ 2,143 The table below sets forth the financial assets and liabilities that were accounted for on a recurring and nonrecurring basis by level within the fair value hierarchy as of December 31, 2018 ( December 31, 2018 Fair Value Measurements Using: Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Recurring fair value measurements : Investment securities available for sale Governmental National Mortgage Association mortgage-backed securities $ 4,873 $ -- $ 4,873 $ -- Federal Home Loan Mortgage Corporation mortgage-backed securities 1,082 -- 1,082 -- Federal National Mortgage Association mortgage- backed securities 367 -- 367 -- U.S. government agency 358 -- 358 -- Total investment securities available for sale $ 6,680 $ -- $ 6,680 $ -- Total recurring fair value measurements $ 6,680 $ -- $ 6,680 $ -- Nonrecurring fair value measurements Impaired loans $ 593 $ -- $ -- $ 593 Other Real Estate Owned 1,650 $ -- $ -- 1,650 Total nonrecurring fair value measurements $ 2,243 $ -- $ -- $ 2,243 The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has used Level 3 December 31, 2019 2018 December 31, 2019 Quantitative Information About Level 3 Fair Value Measurements Total Fair Value Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans $ 319 Appraisal of collateral (1) Appraisal adjustments (2) 0% - 3% (1%) Other real estate owned $ 1,824 Appraisal of collateral (1) Appraisal adjustments (2) 0% - 12% (12%) December 31 , 201 8 Quantitative Information About Level 3 Fair Value Measurements Total Fair Value Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans $ 648 Appraisal of collateral (1) Appraisal adjustments (2) 0% - 73% (8%) Other real estate owned $ 1,650 Appraisal of collateral (1) Appraisal adjustments (2) 0% - 12% (12%) _______________ ( 1 Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 ( 2 Appraisals may The estimated fair values of the Company’s financial instruments that are not December 31, 2019 2018 Fair Value Measurements at December 31, 201 9 Carrying Amount Fair Value Estimate Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Financial Assets Investment in interest-earning time deposits $ 10,172 $ 10,536 $ -- $ -- $ 10,536 Loans held for sale 8,928 9,205 -- 9,205 -- Loans receivable, net 246,692 250,550 -- -- 250,550 Financial Liabilities Deposits 227,458 230,521 43,006 -- 187,515 FHLB long-term borrowings 26,271 26,292 -- -- 26,292 Subordinated debt 7,865 8,146 -- -- 8,146 Fair Value Measurements at December 31, 201 8 Carrying Amount Fair Value Estimate Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Financial Assets Investment in interest-earning time deposits $ 4,927 $ 4,927 $ -- $ -- $ 4,927 Loans held for sale 5,103 5,254 -- 5,254 -- Loans receivable, net 216,898 214,351 -- -- 214,351 Financial Liabilities Deposits 211,911 212,320 45,695 -- 166,625 FHLB long-term borrowings 15,000 14,973 -- -- 14,973 Subordinated debt 7,831 7,831 -- -- 7,831 For cash and cash equivalents, accrued interest receivable, investment in FHLB stock, bank-owned life insurance, FHLB short-term borrowings, accrued interest payable, and advances from borrowers for taxes and insurance, the carrying value is a reasonable estimate of the fair value and are considered Level 1

Note 20 - Operating Segments

Note 20 - Operating Segments	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	Note 20 – Operating Segments The Company's operations currently consist of two two The Banking Segment generates its revenues primarily from its lending, deposit gathering and fee business activities. The profitability of this segment's operations depends primarily on its net interest income after provision for credit losses, which is the difference between interest earned on interest earning assets and interest paid on interest bearing liabilities less provision for credit losses. The provision for credit losses is almost entirely dependent on changes in the Banking Segment's loan portfolio and management’s assessment of the collectability of the loan portfolio as well as prevailing economic and market conditions. The profitability of this segment’s operations also depends on the generation of non-interest income which includes fees and commissions generated by Quaint Oak Bank and its wholly-owned subsidiaries, Quaint Oak Real Estate, LLC, Quaint Oak Abstract, LLC, and Quaint Oak Insurance Agency, LLC which are included in the Banking Segment for segment reporting purposes. The Banking Segment is also subject to an extensive system of laws and regulations that are intended primarily for the protection of depositors and other customers, federal deposit insurance funds and the banking system as a whole. These laws and regulations govern such areas as capital, permissible activities, allowance for loan and lease losses, loans and investments, and rates of interest that can be charged on loans. For segment reporting purposes, Quaint Oak Bancorp, Inc. is included as part of the Company’s Banking segment. The Mortgage Banking Segment originates residential mortgage loans which are sold into the secondary market along with the loans’ servicing rights. The profitability of this segment’s operations depends primarily on the gains realized from the sale of loans and processing fees. The Mortgage Banking Segment is also subject to an extensive system of laws and regulations that are intended primarily for the protection of consumers. The following table present summary financial information for the reportable segments (in thousands): As of or for the Year Ended December 31, 2019 2018 Quaint Oak Bank(1) Quaint Oak Mortgage Consolidated Quaint Oak Bank(1) Quaint Oak Mortgage Consolidated Net Interest Income $ 8,845 $ (160 ) $ 8,685 $ 8,360 $ (55 ) $ 8,305 Provision for Loan Losses 303 -- 303 415 -- 415 Net Interest Income after Provision for Loan Losses 8,542 (160 ) 8,382 7,945 (55 ) 7,890 Non-Interest Income Mortgage banking and title abstract fees 649 503 1,152 518 308 826 Real estate sales commissions, net 180 -- 180 192 -- 192 Insurance commissions 419 -- 419 430 -- 430 Other fees and services charges 68 -- 68 131 -- 131 Income from bank-owned life insurance 80 -- 80 80 -- 80 Net gain on loans held for sale 1 3,013 3,014 5 2,115 2,120 Gain on the sale of SBA loans 265 -- 265 105 -- 105 Loss on sale of investment securities available for sale (4 ) -- (4 ) -- -- -- (Loss) gain on sales and write-downs of other real estate owned (221 ) -- (221 ) 63 -- 63 Total Non-Interest Income 1,437 3,516 4,953 1,524 2,423 3,947 Non-Interest Expense Salaries and employee benefits 5,768 1,179 6,947 5,237 1,170 6,407 Directors’ fees and expenses 223 -- 223 208 -- 208 Occupancy and equipment 478 214 692 441 160 601 Data processing 366 142 508 279 119 398 Professional fees 357 59 416 329 36 365 FDIC deposit insurance assessment 15 -- 15 186 -- 186 Other real estate owned expenses 22 -- 22 20 -- 20 Advertising 140 55 195 183 34 217 Amortization of other intangible 49 -- 49 48 -- 48 Other 780 61 841 657 59 716 Total Non-Interest Expense 8,198 1,710 9,908 7,588 1,578 9,166 Pretax Segment Profit $ 1,781 $ 1,646 $ 3,427 $ 1,881 $ 790 $ 2,671 Segment Assets $ 286,986 $ 15,554 $ 302,540 $ 261,490 $ 9,914 $ 271,404 ( 1 Includes Quaint Oak Bancorp, Inc. and the Bank’s Subsidiaries, Quaint Oak Real Estate, Quaint Oak Abstract, Quaint Oak Insurance Agency, and QOB Properties.

Note 21 - Subsequent Events

Note 21 - Subsequent Events	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Subsequent Events [Text Block]	Note 21 not The 2019 19" may 19 December 2019 January 2020, 10 1.00% March 3, 2020 first may may March 3, 2020, 50 1.00% 1.25% 0% 0.25% March 16, 2020. 19 may

Note 22 - Quaint Oak Bancorp, I

Note 22 - Quaint Oak Bancorp, Inc. (Parent Company Only)	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Note 22 – Quaint Oak Bancorp, Inc. (Parent Company Only) Condensed financial statements of Quaint Oak Bancorp, Inc. are as follows (in thousands): Balance Sheets December 31, 2019 2018 Assets Cash and cash equivalents $ 669 $ 1,596 Investment in Quaint Oak Bank 31,512 28,454 Premises and equipment, net 1,559 1,588 Other assets 32 29 Total Assets $ 33,772 $ 31,667 Liabilities and Stockholders’ Equity Subordinated debt $ 7,865 $ 7,831 Stockholders’ equity 25,907 23,836 Total Liabilities and Stockholders’ Equity $ 33,772 $ 31,667 Statements of Income For the Year Ended December 31, 2019 2018 Income Dividends from subsidiary $ -- $ 750 Interest income 20 -- Rental income 199 151 Total Income 219 901 Expenses Occupancy and equipment expense 120 116 Interest on subordinated debt 519 7 Other expenses 161 116 Total Expenses 800 239 Net (Loss) Income Before Income Taxes (581 ) 662 Equity in Undistributed Net Income of Subsidiary 2,936 1,324 Income Tax Benefit 122 18 Net Income $ 2,477 $ 2,004 Comprehensive Income $ 2,499 $ 2,017 Statements of Cash Flows For the Year Ended December 31, 2019 2018 Operating Activities Net income $ 2,477 $ 2,004 Adjustments to reconcile net income to net cash (used in) provided by operating activities: Undistributed net income in subsidiary (2,936 ) (1,324 ) Depreciation expense 53 44 Amortization of subordinated debt issuance costs 34 -- Stock-based compensation expense 359 340 Increase in other assets (2 ) (84 ) Decrease in other liabilities -- (11 ) Net cash provided by operating activities (15 ) 969 Investing Activities Investment in subsidiary -- (6,500 ) Purchase of property and equipment (125 ) (209 ) Net cash used in investing activities (125 ) (6,709 ) Financing Activities Net proceeds from the issuance of subordinated debt -- 7,831 Dividends paid (676 ) (511 ) Purchase of treasury stock (339 ) (793 ) Proceeds from the reissuance of treasury stock 38 64 Proceeds from the exercise of stock options 190 534 Net cash (used in) provided by financing activities (787 ) 7,125 Net (Decrease) Increase in Cash and Cash Equivalents (927 ) 1,385 Cash and Cash Equivalents-Beginning of Year 1,596 211 Cash and Cash Equivalents-End of Year $ 669 $ 1,596

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Use of Estimates, Policy [Policy Text Block]	Use of Estimates The preparation of the financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period. Actual results could differ from those estimates. The Company’s most significant estimates are the determination of the allowance for loan losses and valuation of deferred tax assets.
Concentration Risk, Credit Risk, Policy [Policy Text Block]	Significant Group Concentrations of Credit Risk The Bank has a significant concentration of loans in Philadelphia County, Pennsylvania. The concentration of credit by type of loan is set forth in Note 7. December 31, 2019, one 44% 40%
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include non-interest earning and interest-earning demand deposits and money market accounts with various financial institutions, all of which mature within ninety
Investment, Policy [Policy Text Block]	Investment Securities Management determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each balance sheet date. Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time but not Securities classified as held to maturity are those debt securities the Company has both the intent and ability to hold to maturity regardless of the changes in market conditions, liquidity needs, or changes in general economic conditions. These securities are carried at cost adjusted for amortization of premium and accretion of discount, which are recognized in interest income using the interest method over the terms of the securities. The Company follows the accounting guidance related to recognition and presentation of other-than-temporary impairment. This accounting guidance specifies that (a) if a company does not not not not not not not no December 31, 2019 2018.
Federal Home Loan Bank Stock [Policy Text Block]	Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (FHLB) system to hold restricted stock of its district Federal Home Loan Bank according to a predetermined formula. FHLB stock is carried at cost and evaluated for impairment. When evaluating FHLB stock for impairment, its value is determined based on the ultimate recoverability of the par value of the stock. We evaluate our holdings of FHLB stock for impairment each reporting period. No December 31, 2019 2018.
Financing Receivable [Policy Text Block]	Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees. Interest income is accrued on the unpaid principal balance. Loan origination fees and costs are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Bank is generally amortizing these amounts over the contractual life of the loan. The loans receivable portfolio is segmented into residential loans, commercial real estate loans, construction loans, commercial business, and consumer loans. The residential loan segment has two one four one four five The accrual of interest is generally discontinued when principal or interest has become 90 no
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the balance sheet date and is recorded as a reduction to loans. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Because all identified losses are immediately charged off, no The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may may The allowance consists of specific, general and unallocated components. The specific component relates to loans that are identified as impaired. For loans that are identified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers pools of loans by loan class. These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative factors. These significant factors may A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not A loan is considered a troubled debt restructuring (“TDR”) if the Company, for economic or legal reasons related to a debtor’s financial difficulties, grants a concession to the debtor that it would not For loans secured by real estate, estimated fair values are determined primarily through third The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for all loans (except one four $500,000, may not may may not
Financing Receivable, Held-for-sale [Policy Text Block]	Loans Held for Sale Loans originated by the Bank’s mortgage banking subsidiary, Quaint Oak Mortgage, LLC, are intended for sale in the secondary market and are carried at the lower of cost or fair value (LOCOM). Gains and losses on loan sales (sales proceeds minus carrying value) are recorded in noninterest income, and direct loan origination costs, commissions and fees are deferred at origination of the loan and are recognized in noninterest income upon sale of the loan. To a lesser extent, the Bank originates commercial business loans for the purchase of business essential equipment for sale primarily to other financial institutions.
Bank Owned Life Insurance [Policy Text Block]	Bank Owned Life Insurance (“BOLl”) The Company purchases bank owned life insurance as a mechanism for funding various employee benefit costs. The Company is the beneficiary of these policies that insure the lives of certain officers of its subsidiaries. The Company has recognized the cash surrender value under the insurance policies as an asset in the Consolidated Balance Sheets. Changes in the cash surrender value are recorded in non-interest income in the Consolidated Statements of Income.
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line method over the expected useful lives of the related assets that range from three thirty-nine
Goodwill and Intangible Assets, Intangible Assets, Policy [Policy Text Block]	Intangible Assets Intangible assets on the consolidated balance sheets represent the acquisition by Quaint Oak Insurance Agency of the renewal rights to a book of business on August 1, 2016 $1.0 $515,000 $485,000 ten The Company will complete a goodwill and other intangible asset analysis at least on an annual basis or more often if events and circumstances indicate that there may
Financing Receivable, Real Estate Acquired Through Foreclosure [Policy Text Block]	Other Real Estate Owned Other real estate owned or foreclosed assets are comprised of property acquired through a foreclosure proceeding or acceptance of a deed in lieu of foreclosure and loans classified as in-substance foreclosures. A loan is classified as in-substance foreclosure when the Bank has taken possession of the collateral regardless of whether formal foreclosure proceedings take place. Other real estate properties are initially recorded at fair value, net of estimated selling costs at the date of foreclosure, establishing a new cost basis. After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of cost or fair value less estimated costs to sell. Net revenue and expenses from operations and additions to the valuation allowance are included in other expenses. The Company had four $1.8 December 31, 2019. $1.7 December 31, 2018.
Mortgage Servicing Rights [Policy Text Block]	Mortgage Servicing Rights Included in other assets are mortgage servicing rights recognized as separate assets when mortgage loans are sold and the servicing rights are retained. These capitalized mortgage servicing rights are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing period of the underlying mortgage loans. Mortgage servicing rights totaled $128,000 $87,000 December 31, 2019 2018, December 31, 2019 2018, $13,000 $10,000
Advertising Cost [Policy Text Block]	Advertising Costs The Company expenses all advertising costs as incurred. Advertising costs are included in non-interest expense on the Consolidated Statements of Income.
Transfers and Servicing of Financial Assets, Policy [Policy Text Block]	Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when ( 1 2 3 not
Income Tax, Policy [Policy Text Block]	Income Taxes Deferred income taxes are provided on the liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax basis. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not not The Company follows guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. A tax position is recognized as a benefit only if it is more likely than not 50 not not no no December 31, 2019 2018. no January 1, 2016.
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income (Loss) Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the stockholders’ equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss).
Treasury Stock and Unallocated Common Stock [Policy Text Block]	Treasury Stock and Unallocated Common Stock The acquisition of treasury stock by the Company, including unallocated stock held by certain benefit plans, is recorded under the cost method. At the date of subsequent reissue, treasury stock is reduced by the cost of such stock based on an average cost method with any excess proceeds credited to additional paid-in capital.
Share-based Payment Arrangement [Policy Text Block]	Share-Based Compensation Stock compensation accounting guidance requires that the compensation cost relating to share-based payment transactions be recognized in financial statements. That cost is measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock option and restricted share plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options, while the closing price of the Company’s common stock on the grant date is used for restricted stock awards. At December 31, 2019, two 2013 2018 May 2013 2018. 14. The Company also has an employee stock ownership plan (“ESOP”). This plan is more fully described in Note 14.
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Share Amounts reported in earnings per share reflect earnings available to common stockholders for the period divided by the weighted average number of shares of common stock outstanding during the period, exclusive of unearned ESOP shares, unvested restricted stock (RRP) shares and treasury shares. Stock options and unvested restricted stock are regarded as potential common stock and are considered in the diluted earnings per share calculations to the extent they would have a dilutive effect if converted to common stock, computed using the “treasury stock” method.
Revenue from Contract with Customer [Policy Text Block]	Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, “Revenue from Contracts with Customers” (“Topic 606” 606, The Company’s primary sources of revenue are derived from interest and dividends earned on loans and investment securities, mortgage banking revenue, including gains on the sale of mortgage loans, income from bank-owned life insurance, and other financial instruments that are not 606. Service Charges on Deposits Abstract Title Fees Real Estate Sales Commissions, Net Insurance Commissions : not one no
Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit. Such financial instruments are recorded in the consolidated balance sheet when they are funded.
Reclassification, Policy [Policy Text Block]	Reclassifications Certain items in the 2018 2019 not
New Accounting Pronouncements, Policy [Policy Text Block]	Recently Adopted Accounting Pronouncements In February 2016, 2016 02, 842 one 12 not may December 15, 2018, January 1, 2019 $1.4 December 31, 2019 Recent Accounting Pronouncements Not In June 2016, 2016 13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments, 2016 13 December 15, 2019, December 15, 2018. first In November 2019, 2019 10, Financial Instruments – Credit Losses (Topic 326 Hedging (Topic 815 842 2016 13 December 15, 2022, one first one In January 2017, 2017 04, Simplifying the Test for Goodwill Impairment 2 2, not of goodwill allocated to that reporting unit. A public business entity that is a U.S. Securities and Exchange Commission (“SEC”) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. November 2019, 2019 10, Financial Instruments – Credit Losses (Topic 326 815 842 350, Intangibles – Goodwill and Other December 15, 2022, not In August 2018, 2018 13, Fair Value Measurement (Topic 820 December 15, 2019. not In May 2019, 2019 05, Financial Instruments – Credit Losses, Topic 326 825 10.3. not 2016 13. not 2016 13, 2016 13. 2016 13, 2019 05 for fiscal years beginning after December 15, 2019, 2016 13 November, 2019, 2019 10, Financial Instruments – Credit Losses (Topic 326 815 842 944 , Financial Services – Insurance December 15, 2021, December 15, 2023, December 15, 2024. not In December 2019, 2019 12, Income Taxes (Topic 740 not not December 15, 2020. December 15, 2021, December 15, 2022. not

Note 3 - Earnings Per Share (Ta

Note 3 - Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Year Ended December 31, 201 9 201 8 Net Income $ 2,477,000 $ 2,004,000 Weighted average shares outstanding – basic 1,956,612 1,923,491 Effect of dilutive common stock equivalents 48,826 59,507 Adjusted weighted average shares outstanding – diluted 2,005,438 1,982,998 Basic earnings per share $ 1.27 $ 1.04 Diluted earnings per share $ 1.24 $ 1.01

Note 4 - Accumulated Other Co_2

Note 4 - Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Unrealized Losses on Investment Securities Available for Sale (1) 201 9 201 8 Balance beginning of the year $ (2 ) $ (15 ) Other comprehensive income before reclassifications 19 13 Amount reclassified from accumulated other comprehensive income (loss) 3 -- Total other comprehensive income 22 13 Reclassification of certain income tax effects from accumulated other comprehensive income -- -- Balance end of the year $ 20 $ (2 )
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	Details About Other Comprehensive Loss Amount Reclassified from Accumulated Other Comprehensive Loss (1) Affected Line Item in the Statement of Income For the Year Ended December 3 1 , 2019 2018 Unrealized losses on investment securities available for sale $ (4 ) $ -- Loss on sales of investment securities 1 -- Income taxes $ (3 ) $ -- Net of tax

Note 5 - Investment in Intere_2

Note 5 - Investment in Interest-earning Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Investments in Interest-Earning Time Deposits by Contractual Maturity [Table Text Block]	2019 20 1 8 Due in one year or less $ 2,026 $ 1,604 Due after one year through five years 8,146 3,323 Total $ 10,172 $ 4,927

Note 6 - Investment Securitie_2

Note 6 - Investment Securities Available for Sale (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Available-for-sale Securities [Table Text Block]	December 31, 201 9 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Available for Sale: Mortgage-backed securities: Governmental National Mortgage Association securities $ 5,841 $ 13 $ (1 ) $ 5,853 Federal National Mortgage Association securities 258 2 -- 260 Total mortgage-backed securities 6,099 15 (1 ) 6,113 Debt securities: Corporate notes 1,500 10 -- 1,510 Total available-for-sale-securities $ 7,599 $ 25 $ (1 ) $ 7,623 December 31, 201 8 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Available for Sale: Mortgage-backed securities: Governmental National Mortgage Association securities $ 4,844 $ 29 $ -- $ 4,873 Federal Home Loan Mortgage Corporation securities 1,111 -- (29 ) 1,082 Federal National Mortgage Association securities 367 -- -- 367 Total mortgage-backed securities 6,322 29 (29 ) 6,322 Debt securities: U.S. government agency 360 -- (2 ) 358 Total available-for-sale-securities $ 6,682 $ 29 $ (31 ) $ 6,680
Investments Classified by Contractual Maturity Date [Table Text Block]	Available for Sale Amortized Cost Fair Value Due after five through ten years $ 1,500 $ 1,510 Due after ten years 6,099 6,113 Total $ 7,599 $ 7,623
Schedule of Unrealized Loss on Investments [Table Text Block]	December 31 , 201 9 Less than Twelve Months Twelve Months or Greater Total Number of Fair Value Gross Fair Value Gross Fair Value Gross Government National Mortgage Association securities 4 $ 2,295 $ (1 ) -- -- $ 2,295 $ (1 ) December 31 , 201 8 Less than Twelve Months Twelve Months or Greater Total Number of Fair Value Gross Fair Value Gross Fair Value Gross Federal Home Loan Mortgage Corporation mortgage-backed securities 2 -- -- $ 1,082 $ (29 ) $ 1,082 $ (29 ) Debt securities, U.S. government agency 1 -- -- 358 (2 ) 358 (2 ) Total 3 $ -- $ -- $ 1,440 $ (31 ) $ 1,440 $ (31 )

Note 7 - Loans Receivable, Ne_2

Note 7 - Loans Receivable, Net and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	December 31, 20 1 9 December 31, 20 1 8 Real estate loans: One-to-four family residential: Owner occupied $ 6,298 $ 6,603 Non-owner occupied 39,897 47,361 Total one-to-four family residential 46,195 53,964 Multi-family (five or more) residential 22,233 23,967 Commercial real estate 119,323 103,819 Construction 12,523 9,998 Home equity 3,726 4,347 Total real estate loans 204,000 196,095 Commercial business 45,745 23,616 Other consumer 22 19 Total Loans 249,767 219,730 Deferred loan fees and costs (844 ) (867 ) Allowance for loan losses (2,231 ) (1,965 ) Net Loans $ 246,692 $ 216,898
Financing Receivable Credit Quality Indicators [Table Text Block]	December 31, 201 9 Pass Special Mention Substandard Doubtful Total One-to-four family residential owner occupied $ 6,126 $ -- $ 172 $ -- $ 6,298 One-to-four family residential non-owner occupied 39,579 -- 318 -- 39,897 Multi-family residential 22,233 -- -- -- 22,233 Commercial real estate 118,233 798 292 -- 119,323 Construction 12,523 -- -- -- 12,523 Home equity 3,726 -- -- -- 3,726 Commercial business 45,745 -- -- -- 45,745 Other consumer 22 -- -- -- 22 Total $ 248,187 $ 798 $ 782 $ -- $ 249,767 December 31, 20 1 8 Pass Special Mention Substandard Doubtful Total One-to-four family residential owner occupied $ 6,421 $ -- $ 182 $ -- $ 6,603 One-to-four family residential non-owner occupied 46,534 -- 827 -- 47,361 Multi-family residential 23,967 -- -- -- 23,967 Commercial real estate 101,821 -- 1,998 -- 103,819 Construction 9,998 -- -- -- 9,998 Home equity 4,347 -- -- -- 4,347 Commercial business 23,149 -- 467 -- 23,616 Other consumer 19 -- -- -- 19 Total $ 216,256 $ -- $ 3,474 $ -- $ 219,730
Impaired Financing Receivables [Table Text Block]	December 31, 20 1 9 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One-to-four family residential owner occupied $ 172 $ 178 $ -- $ 178 $ -- One-to-four family residential non-owner occupied 19 19 -- 225 13 Multi-family residential -- -- -- -- -- Commercial real estate -- -- -- -- -- Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- With an allowance recorded: One-to-four family residential owner occupied $ -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied -- -- -- -- -- Multi-family residential -- -- -- -- -- Commercial real estate 132 132 4 133 12 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total: One-to-four family residential owner occupied $ 172 178 $ -- $ 178 $ -- One-to-four family residential non-owner occupied 19 19 -- 225 13 Multi-family residential -- -- -- -- -- Commercial real estate 132 132 4 133 12 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total $ 323 $ 329 $ 4 $ 536 $ 25 December 31, 20 1 8 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One-to-four family residential owner occupied $ 182 $ 185 $ -- $ 417 $ 23 One-to-four family residential non-owner occupied 265 265 -- 324 17 Multi-family residential -- -- -- -- -- Commercial real estate -- -- -- -- -- Construction -- -- -- 2,050 37 Home equity -- -- -- 44 2 Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- With an allowance recorded: One-to-four family residential owner occupied $ -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied 68 68 50 162 4 Multi-family residential -- -- -- -- -- Commercial real estate 133 133 5 133 10 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total: One-to-four family residential owner occupied $ 182 185 $ -- $ 417 $ 23 One-to-four family residential non-owner occupied 333 333 50 486 21 Multi-family residential -- -- -- -- -- Commercial real estate 133 133 5 133 10 Construction -- -- -- 2,050 37 Home equity -- -- -- 44 2 Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total $ 648 $ 651 $ 55 $ 3,130 $ 93
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	December 31, 201 9 Number of Contracts Recorded Investment Non-Accrual Accruing Related Allowance One-to-four family residential owner occupied -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied 1 19 -- 19 -- Multi-family residential -- -- -- -- -- Commercial real estate 1 132 -- 132 4 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total 2 $ 151 $ -- $ 151 $ 4 December 31, 20 1 8 Number of Contracts Recorded Investment Non-Accrual Accruing Related Allowance One-to-four family residential owner occupied -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied 1 265 -- 265 -- Multi-family residential -- -- -- -- -- Commercial real estate 1 133 -- 133 5 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total 2 $ 398 $ -- $ 398 $ 5
Contractual Aging of Troubled Debt Restructurings [Table Text Block]	December 31, 2019 Accruing Past Due Less than 30 Days Past Due 30-89 Days Greater than 90 Days Non-Accrual Total One-to-four family residential owner occupied $ -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied -- 19 -- -- 19 Multi-family residential -- -- -- -- -- Commercial real estate 132 -- -- -- 132 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total $ 132 $ 19 $ -- $ -- $ 151 December 31, 201 8 Accruing Past Due Less than 30 Days Past Due 30-89 Days Greater than 90 Days Non-Accrual Total One-to-four family residential owner occupied $ -- $ -- $ -- $ -- $ -- One-to-four family residential non-owner occupied 265 -- -- -- 265 Multi-family residential -- -- -- -- -- Commercial real estate 133 -- -- -- 133 Construction -- -- -- -- -- Home equity -- -- -- -- -- Commercial business -- -- -- -- -- Other consumer -- -- -- -- -- Total $ 398 $ -- $ -- $ -- $ 398
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	December 31, 2019 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 51 $ 435 $ 156 $ 839 $ 175 $ 21 $ 247 $ 41 $ 1,965 Charge-offs -- (37 ) -- -- -- -- -- -- (37 ) Recoveries -- -- -- -- -- -- -- -- -- Provision 1 (47 ) (11 ) 15 75 (2 ) 253 19 303 Ending balance $ 52 $ 351 $ 145 $ 854 $ 250 $ 19 $ 500 $ 60 $ 2,231 Ending balance evaluated for impairment: Individually $ -- $ -- $ -- $ 4 $ -- $ -- $ -- $ -- $ 4 Collectively $ 52 $ 351 $ 145 $ 850 $ 250 $ 19 500 $ 60 $ 2,227 Loans receivable: Ending balance $ 6,298 $ 39,897 $ 22,233 $ 119,323 $ 12,523 $ 3,726 $ 45,767 $ 249,767 Ending balance evaluated for impairment: Individually $ 172 $ 19 $ -- $ 132 $ -- $ -- $ -- $ 323 Collectively $ 6,126 $ 39,878 $ 22,233 $ 119,191 $ 12,523 $ 3,726 $ 45,767 $ 249,444 December 31, 201 8 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 48 $ 540 $ 152 $ 687 $ 136 $ 27 $ 140 $ 82 $ 1,812 Charge-offs -- (47 ) -- -- (215 ) -- -- -- (262 ) Recoveries -- -- -- -- -- -- -- -- -- Provision 3 (58 ) 4 152 254 (6 ) 107 (41 ) 415 Ending balance $ 51 $ 435 $ 156 $ 839 $ 175 $ 21 $ 247 $ 41 $ 1,965 Ending balance evaluated for impairment: Individually $ -- $ 50 $ -- $ 5 $ -- $ -- $ -- $ -- $ 55 Collectively $ 51 $ 385 $ 156 $ 834 $ 175 $ 21 247 $ 41 $ 1,910 Loans receivable: Ending balance $ 6,603 $ 47,361 $ 23,967 $ 103,819 $ 9,998 $ 4,347 $ 23,635 $ 219,730 Ending balance evaluated for impairment: Individually $ 182 $ 333 $ -- $ 133 $ -- $ -- $ -- $ 648 Collectively $ 6,421 $ 47,028 $ 23,967 $ 103,686 $ 9,998 $ 4,347 $ 23,635 $ 219,082
Financing Receivable, Nonaccrual [Table Text Block]	December 31, 201 9 December 31, 201 8 One-to-four family residential owner occupied $ 172 $ 182 One-to-four family residential non-owner occupied -- 68 Multi-family residential -- -- Commercial real estate -- -- Construction -- -- Home equity -- -- Commercial business -- -- Other consumer -- -- Total $ 172 $ 250
Financing Receivable, Past Due [Table Text Block]	December 31, 201 9 30- 89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Loans Receivable > 90 Days and Accruing One-to-four family residential owner occupied $ 1,199 $ 172 $ 1,371 $ 4,927 $ 6,298 $ -- One-to-four family residential non-owner occupied 1,069 -- 1,069 38,828 39,897 -- Multi-family residential -- -- -- 22,233 22,233 -- Commercial real estate 986 190 1,176 118,147 119,323 190 Construction 1,120 -- 1,120 11,403 12,523 -- Home equity -- -- -- 3,726 3,726 -- Commercial business 66 -- 66 45,679 45,745 -- Other consumer -- -- -- 22 22 -- Total $ 4,440 $ 362 $ 4,802 $ 244,965 $ 249,767 $ 190 December 31, 201 8 30-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Loans Receivable 90 Days or More Past Due and Accruing One-to-four family residential owner occupied $ 1,096 $ 182 $ 1,278 $ 5,325 $ 6,603 $ -- One-to-four family residential non-owner occupied 1,259 68 1,327 46,034 47,361 -- Multi-family residential 371 -- 371 23,596 23,967 -- Commercial real estate 2,070 548 2,618 101,201 103,819 548 Construction 2,231 -- 2,231 7,767 9,998 -- Home equity 31 -- 31 4,316 4,347 -- Commercial business 3 380 383 23,233 23,616 380 Other consumer -- -- -- 19 19 -- Total $ 7,061 $ 1,178 $ 8,239 $ 211,491 $ 219,730 $ 928

Note 8 - Premises and Equipme_2

Note 8 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Property, Plant and Equipment [Table Text Block]	2019 2018 Land and land improvements $ 292 $ 298 Buildings 1,695 1,456 Leasehold improvements 441 439 Furniture, fixtures and equipment 1,444 1,311 3,872 3,504 Accumulated depreciation (1,646 ) (1,446 ) Premises and equipment, net $ 2,226 $ 2,058

Note 9 - Goodwill and Other I_2

Note 9 - Goodwill and Other Intangible, Net (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	2020 $ 49 2021 49 2022 49 2023 49 2024 49 Thereafter 74 Total $ 319

Note 10 - Deposits (Tables)

Note 10 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Deposit Liabilities, Type [Table Text Block]	2019 2018 Amount Weighted Average Interest Amount Weighted Average Interest Non-interest bearing checking accounts $ 15,775 -- % $ 17,542 -- % Passbook accounts 5 0.15 192 0.15 Savings accounts 1,722 0.20 1,120 0.20 Money market accounts 25,504 0.80 26,841 0.80 Certificate of deposit accounts 184,452 2.27 166,216 2.10 Total $ 227,458 1.87 % $ 211,911 1.69 %
Certificate of Deposit by Maturity [Table Text Block]	Years ending December 31: 2020 $ 94,122 2021 52,497 2022 12,082 2023 14,813 2024 10,938 Total $ 184,452

Note 11 - Borrowings (Tables)

Note 11 - Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Short-term Debt [Table Text Block]	At or For the Year Ended December 31, 201 9 201 8 FHLB short-term borrowings: Average balance outstanding $ 5,585 $ 9,745 Maximum amount outstanding at any month-end during the period 11,000 10,000 Balance outstanding at end of period 10,000 9,000 Average interest rate during the period 2.52 % 2.02 % Weighted average interest rate at end of period 1.81 % 2.62 %
Federal Home Loan Bank Advances [Member]
Notes Tables
Schedule of Long-term Debt Instruments [Table Text Block]	December 31, 201 9 December 31, 201 8 Fixed rate borrowings maturing: Amount Weighted Interest Amount Weighted Interest 2019 $ -- -- % $ 3,000 1.86 % 2020 2,000 2.00 2,000 2.00 2021 5,000 2.20 3,000 2.05 2022 7,171 2.10 3,000 2.18 2023 7,000 2.16 3,000 2.33 2024 5,100 2.28 1,000 -- Total FHLB long-term debt $ 26,271 2.16 % $ 15,000 2.12 %

Note 12 - Subordinated Debt (Ta

Note 12 - Subordinated Debt (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Debt [Table Text Block]	Principal Unamortized Debt Issuance Costs Net 6.5% subordinated notes, due December 31, 2028 $ 8,000 $ 135 $ 7,865

Note 13 - Income Taxes (Tables)

Note 13 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	201 9 201 8 Federal: Current $ 724 $ 507 Deferred (41 ) (26 ) Total federal 683 481 State, current 267 186 Total $ 950 $ 667
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	201 9 201 8 Amount Rate Amount Rate Federal income tax at statutory rate $ 719 21.0 % $ 560 21.0 % State tax, net of federal benefit 211 6.2 151 5.7 Stock compensation expense 30 0.9 (33 ) (1.2 ) Other (10 ) (0.2 ) (11 ) (0.5 ) Total $ 950 27.9 % $ 667 25.0 %
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	20 1 9 20 1 8 Deferred tax assets: Allowance for loan losses $ 468 $ 413 Stock-based compensation 8 7 Interest on non-accrual loans 2 2 Deferred loan fees 177 182 Organization cost 1 1 Total deferred tax assets 656 605 Deferred tax liabilities: Bank premises and equipment (100 ) (93 ) Unrealized gain on investment securities available for sale (5 ) -- Intangible (13 ) (9 ) Total deferred tax liabilities (118 ) (102 ) Net Deferred Tax Asset $ 538 $ 503

Note 14 - Stock Compensation _2

Note 14 - Stock Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Employee Stock Ownership Plan (ESOP) Disclosures [Table Text Block]	2019 2018 Allocated shares 180,959 179,637 Unreleased shares 25,249 39,677 Total ESOP shares 206,208 219,314 Fair value of unreleased shares (in thousands) $ 372 $ 469
Share-based Payment Arrangement, Activity [Table Text Block]	2019 2018 Number of Shares Weighted Average Grant Date Fair Value Number of Shares Weighted Average Grant Date Fair Value Unvested at the beginning of the year 48,608 $ 13.30 10,061 $ 8.10 Granted -- -- 48,608 13.30 Vested (9,721 ) 13.30 (9,661 ) 8.10 Forfeited -- -- (400 ) 8.10 Unvested at the end of the year 38,887 $ 13.30 48,608 $ 13.30
Share-based Payment Arrangement, Option, Activity [Table Text Block]	201 9 2018 Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Outstanding at the beginning of the year 279,836 $ 10.64 6.8 265,302 $ 6.74 3.2 Granted -- -- -- 136,636 13.30 9.4 Exercised (23,500 ) 8.10 -- (106,844 ) 5.00 -- Forfeited -- -- -- (15,258 ) 6.22 -- Outstanding at the end of the period 256,336 $ 10.87 6.0 279,836 $ 10.64 6.8 Exercisable at the end of the period 147,027 $ 9.07 4.8 143,200 $ 8.10 4.4
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	Expected dividend yield 2.11 % Risk-free interest rate 2.96 % Expected life of options (in years) 6.5 Expected stock-price volatility 12.42 %

Note 16 - Financial Instrumen_2

Note 16 - Financial Instruments With Off-balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Financial Instrument Commitments [Table Text Block]	2019 2018 Commitments to originate loans $ 10,184 $ 17,593 Unfunded commitments under lines of credit 15,181 14,569 Standby letters of credit 38 83

Note 17 - Leases (Tables)

Note 17 - Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Lease, Cost [Table Text Block]	Operating Weighted average remaining term (years) 12.5 Weighted average discount rate 3.06 %
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Undiscounted cash flows due (In thousands): Operating 2020 $ 138 2021 140 2022 141 2023 139 2024 143 2025 and thereafter 934 Total undiscounted cash flows 1,635 Discount on cash flows (330 ) Total lease liabilities $ 1,305

Note 18 - Regulatory Matters (T

Note 18 - Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual For Capital Adequacy Purposes To be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 20 1 9 : Total capital (to risk-weighted assets) $ 33,087 14.41 % $ > > % $ > > % Tier 1 capital (to risk-weighted assets) 30,829 13.42 > > > > Common Equity Tier 1 capital (to risk-weighted assets) 30,829 13.42 > > > > Tier 1 capital (to average assets) 30,829 10.35 > > > > Actual For Capital Adequacy Purposes To be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 20 1 8 : Total capital (to risk-weighted assets) $ 29,778 15.49 % $ > > % $ > > % Tier 1 capital (to risk-weighted assets) 27,786 14.45 > > > > Common Equity Tier 1 capital (to risk-weighted assets) 27,786 14.45 > > > > Tier 1 capital (to average assets) 27,786 10.92 > > > >

Note 19 - Fair Value Measurem_2

Note 19 - Fair Value Measurements and Fair Values of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]	Dec ember 3 1 , 201 9 Fair Value Measurements Using: Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Recurring fair value measurements : Investment securities available for sale Governmental National Mortgage Association mortgage-backed securities $ 5,853 $ -- $ 5,853 $ -- Federal National Mortgage Association mortgage- backed securities 260 -- 260 -- Corporate notes 1,510 -- 1,510 -- Total investment securities available for sale $ 7,623 $ -- $ 7,623 $ -- Total recurring fair value measurements $ 7,623 $ -- $ 7,623 $ -- Nonrecurring fair value measurements Impaired loans $ 319 $ -- $ -- $ 319 Other Real Estate Owned 1,824 -- -- 1,824 Total nonrecurring fair value measurements $ 2,143 $ -- $ -- $ 2,143 December 31, 2018 Fair Value Measurements Using: Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Recurring fair value measurements : Investment securities available for sale Governmental National Mortgage Association mortgage-backed securities $ 4,873 $ -- $ 4,873 $ -- Federal Home Loan Mortgage Corporation mortgage-backed securities 1,082 -- 1,082 -- Federal National Mortgage Association mortgage- backed securities 367 -- 367 -- U.S. government agency 358 -- 358 -- Total investment securities available for sale $ 6,680 $ -- $ 6,680 $ -- Total recurring fair value measurements $ 6,680 $ -- $ 6,680 $ -- Nonrecurring fair value measurements Impaired loans $ 593 $ -- $ -- $ 593 Other Real Estate Owned 1,650 $ -- $ -- 1,650 Total nonrecurring fair value measurements $ 2,243 $ -- $ -- $ 2,243
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	December 31, 2019 Quantitative Information About Level 3 Fair Value Measurements Total Fair Value Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans $ 319 Appraisal of collateral (1) Appraisal adjustments (2) 0% - 3% (1%) Other real estate owned $ 1,824 Appraisal of collateral (1) Appraisal adjustments (2) 0% - 12% (12%) December 31 , 201 8 Quantitative Information About Level 3 Fair Value Measurements Total Fair Value Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans $ 648 Appraisal of collateral (1) Appraisal adjustments (2) 0% - 73% (8%) Other real estate owned $ 1,650 Appraisal of collateral (1) Appraisal adjustments (2) 0% - 12% (12%)
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at December 31, 201 9 Carrying Amount Fair Value Estimate Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Financial Assets Investment in interest-earning time deposits $ 10,172 $ 10,536 $ -- $ -- $ 10,536 Loans held for sale 8,928 9,205 -- 9,205 -- Loans receivable, net 246,692 250,550 -- -- 250,550 Financial Liabilities Deposits 227,458 230,521 43,006 -- 187,515 FHLB long-term borrowings 26,271 26,292 -- -- 26,292 Subordinated debt 7,865 8,146 -- -- 8,146 Fair Value Measurements at December 31, 201 8 Carrying Amount Fair Value Estimate Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Financial Assets Investment in interest-earning time deposits $ 4,927 $ 4,927 $ -- $ -- $ 4,927 Loans held for sale 5,103 5,254 -- 5,254 -- Loans receivable, net 216,898 214,351 -- -- 214,351 Financial Liabilities Deposits 211,911 212,320 45,695 -- 166,625 FHLB long-term borrowings 15,000 14,973 -- -- 14,973 Subordinated debt 7,831 7,831 -- -- 7,831

Note 20 - Operating Segments (T

Note 20 - Operating Segments (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	As of or for the Year Ended December 31, 2019 2018 Quaint Oak Bank(1) Quaint Oak Mortgage Consolidated Quaint Oak Bank(1) Quaint Oak Mortgage Consolidated Net Interest Income $ 8,845 $ (160 ) $ 8,685 $ 8,360 $ (55 ) $ 8,305 Provision for Loan Losses 303 -- 303 415 -- 415 Net Interest Income after Provision for Loan Losses 8,542 (160 ) 8,382 7,945 (55 ) 7,890 Non-Interest Income Mortgage banking and title abstract fees 649 503 1,152 518 308 826 Real estate sales commissions, net 180 -- 180 192 -- 192 Insurance commissions 419 -- 419 430 -- 430 Other fees and services charges 68 -- 68 131 -- 131 Income from bank-owned life insurance 80 -- 80 80 -- 80 Net gain on loans held for sale 1 3,013 3,014 5 2,115 2,120 Gain on the sale of SBA loans 265 -- 265 105 -- 105 Loss on sale of investment securities available for sale (4 ) -- (4 ) -- -- -- (Loss) gain on sales and write-downs of other real estate owned (221 ) -- (221 ) 63 -- 63 Total Non-Interest Income 1,437 3,516 4,953 1,524 2,423 3,947 Non-Interest Expense Salaries and employee benefits 5,768 1,179 6,947 5,237 1,170 6,407 Directors’ fees and expenses 223 -- 223 208 -- 208 Occupancy and equipment 478 214 692 441 160 601 Data processing 366 142 508 279 119 398 Professional fees 357 59 416 329 36 365 FDIC deposit insurance assessment 15 -- 15 186 -- 186 Other real estate owned expenses 22 -- 22 20 -- 20 Advertising 140 55 195 183 34 217 Amortization of other intangible 49 -- 49 48 -- 48 Other 780 61 841 657 59 716 Total Non-Interest Expense 8,198 1,710 9,908 7,588 1,578 9,166 Pretax Segment Profit $ 1,781 $ 1,646 $ 3,427 $ 1,881 $ 790 $ 2,671 Segment Assets $ 286,986 $ 15,554 $ 302,540 $ 261,490 $ 9,914 $ 271,404

Note 22 - Quaint Oak Bancorp,_2

Note 22 - Quaint Oak Bancorp, Inc. (Parent Company Only) (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Condensed Balance Sheet [Table Text Block]	December 31, 2019 2018 Assets Cash and cash equivalents $ 669 $ 1,596 Investment in Quaint Oak Bank 31,512 28,454 Premises and equipment, net 1,559 1,588 Other assets 32 29 Total Assets $ 33,772 $ 31,667 Liabilities and Stockholders’ Equity Subordinated debt $ 7,865 $ 7,831 Stockholders’ equity 25,907 23,836 Total Liabilities and Stockholders’ Equity $ 33,772 $ 31,667
Condensed Income Statement [Table Text Block]	For the Year Ended December 31, 2019 2018 Income Dividends from subsidiary $ -- $ 750 Interest income 20 -- Rental income 199 151 Total Income 219 901 Expenses Occupancy and equipment expense 120 116 Interest on subordinated debt 519 7 Other expenses 161 116 Total Expenses 800 239 Net (Loss) Income Before Income Taxes (581 ) 662 Equity in Undistributed Net Income of Subsidiary 2,936 1,324 Income Tax Benefit 122 18 Net Income $ 2,477 $ 2,004 Comprehensive Income $ 2,499 $ 2,017
Condensed Cash Flow Statement [Table Text Block]	For the Year Ended December 31, 2019 2018 Operating Activities Net income $ 2,477 $ 2,004 Adjustments to reconcile net income to net cash (used in) provided by operating activities: Undistributed net income in subsidiary (2,936 ) (1,324 ) Depreciation expense 53 44 Amortization of subordinated debt issuance costs 34 -- Stock-based compensation expense 359 340 Increase in other assets (2 ) (84 ) Decrease in other liabilities -- (11 ) Net cash provided by operating activities (15 ) 969 Investing Activities Investment in subsidiary -- (6,500 ) Purchase of property and equipment (125 ) (209 ) Net cash used in investing activities (125 ) (6,709 ) Financing Activities Net proceeds from the issuance of subordinated debt -- 7,831 Dividends paid (676 ) (511 ) Purchase of treasury stock (339 ) (793 ) Proceeds from the reissuance of treasury stock 38 64 Proceeds from the exercise of stock options 190 534 Net cash (used in) provided by financing activities (787 ) 7,125 Net (Decrease) Increase in Cash and Cash Equivalents (927 ) 1,385 Cash and Cash Equivalents-Beginning of Year 1,596 211 Cash and Cash Equivalents-End of Year $ 669 $ 1,596

Note 1 - Nature of Operations (

Note 1 - Nature of Operations (Details Textual)	12 Months Ended
	Dec. 31, 2019
Number of Wholly-Owned Subsidiaries	5
Number of Subsidiary Branch Offices	2

Note 2 - Summary of Significa_2

Note 2 - Summary of Significant Accounting Policies (Details Textual)	Aug. 01, 2016USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Jan. 01, 2019USD ($)
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Total		$ 0	$ 0
Impairment of Federal Home Loan Bank Stock		0	0
Threshold for Loans to be Evaluated Annually, Minimum		$ 500,000
Number of Properties, Other Real Estate		4
Mortgage Loans in Process of Foreclosure, Amount		$ 1,800,000	1,700,000
Amortization of Mortgage Servicing Rights (MSRs)		13,000	10,000
Accounting Standards Update 2016-02 [Member]
Operating Lease, Right-of-Use Asset				$ 1,400,000
Operating Lease, Liability, Total				$ 1,400,000
Mortgage Servicing Rights [Member]
Servicing Asset, Total		$ 128,000	$ 87,000
Signature Insurance Services, LLC [Member]
Payments to Acquire Businesses, Gross	$ 1,000,000
Goodwill, Acquired During Period	515,000
Signature Insurance Services, LLC [Member] | Other Intangible Assets [Member]
Finite-lived Intangible Assets Acquired	$ 485,000
Finite-Lived Intangible Asset, Useful Life	10 years
Minimum [Member]
Property, Plant and Equipment, Useful Life		3 years
Maximum [Member]
Property, Plant and Equipment, Useful Life		39 years
Credit Concentration Risk [Member] | Loans Sold [Member]
Number of Investors		1
Percentage of Loans Sold From Mortgage Loans Held for Sale		44.00%
Percentage Gains on Loans Sold From Mortgage Loans Held for Sale		40.00%

Note 3 - Earnings Per Share - W

Note 3 - Earnings Per Share - Weighted Average Shares Used in Basic and Dilutive Earnings Per Share Computations (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Net Income	$ 2,477,000	$ 2,004,000
Weighted average shares outstanding – basic (in shares)	1,956,612	1,923,491
Effect of dilutive common stock equivalents (in shares)	48,826	59,507
Adjusted weighted average shares outstanding – diluted (in shares)	2,005,438	1,982,998
Basic earnings per share (in dollars per share)	$ 1.27	$ 1.04
Diluted earnings per share (in dollars per share)	$ 1.24	$ 1.01

Note 4 - Accumulated Other Co_3

Note 4 - Accumulated Other Comprehensive Income (Loss) - Changes in Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Balance beginning of the year		$ 23,836	$ 22,185
Balance end of the year		25,907	23,836
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]
Balance beginning of the year	[1]	(2)	(15)
Other comprehensive income before reclassifications	[1]	19	13
Amount reclassified from accumulated other comprehensive income (loss)	[1]	3
Total other comprehensive income	[1]	22	13
Reclassification of certain income tax effects from accumulated other comprehensive income	[1]
Balance end of the year	[1]	$ 20	$ (2)
[1]	All amounts are net of tax. Amounts in parentheses indicate debits.

Note 4 - Accumulated Other Co_4

Note 4 - Accumulated Other Comprehensive Income (Loss) - Reclassified Out of Accumulated other Comprehensive Loss (Details) - USD ($)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Unrealized losses on investment securities available for sale		$ (4,000)
Income taxes		(950,000)	(667,000)
Net of tax		2,477,000	2,004,000
Reclassification out of Accumulated Other Comprehensive Income [Member] | AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]
Unrealized losses on investment securities available for sale	[1]	(4,000)
Income taxes	[1]	1,000
Net of tax	[1]	$ (3,000)
[1]	Amounts in parentheses indicate debits.

Note 5 - Investment in Intere_3

Note 5 - Investment in Interest-earning Time Deposits - Investment in Interest-earnings Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Due in one year or less	$ 2,026	$ 1,604
Due after one year through five years	8,146	3,323
Total	$ 10,172	$ 4,927

Note 6 - Investment Securitie_3

Note 6 - Investment Securities Available for Sale (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Percentage of Aggregate Depreciation Held by Debt Securities	0.05%
Other than Temporary Impairment Losses, Investments, Total	$ 0	$ 0

Note 6 - Investment Securitie_4

Note 6 - Investment Securities Available for Sale - Amortized Cost and Fair Value of Investment Securities Available for Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investment securities available for sale, cost	$ 7,599	$ 6,682
Gross unrealized gains	25	29
Gross unrealized losses	(1)	(31)
Fair value	7,623	6,680
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Investment securities available for sale, cost	6,099	6,322
Gross unrealized gains	15	29
Gross unrealized losses	(1)	(29)
Fair value	6,113	6,322
Corporate Debt Securities [Member]
Investment securities available for sale, cost	1,500
Gross unrealized gains	10
Gross unrealized losses
Fair value	1,510
US Government Agencies Debt Securities [Member]
Investment securities available for sale, cost		360
Gross unrealized gains
Gross unrealized losses		(2)
Fair value		358
Government National Mortgage Association (GNMA) Insured Loans [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Investment securities available for sale, cost	5,841	4,844
Gross unrealized gains	13	29
Gross unrealized losses	(1)
Fair value	5,853	4,873
Federal National Mortgage Association (FNMA) Insured Loans [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Investment securities available for sale, cost	258	367
Gross unrealized gains	2
Gross unrealized losses
Fair value	$ 260	367
Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Investment securities available for sale, cost		1,111
Gross unrealized gains
Gross unrealized losses		(29)
Fair value		$ 1,082

Note 6 - Investment Securitie_5

Note 6 - Investment Securities Available for Sale - Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Due after five years through ten years, amortized cost	$ 1,500
Due after five years through ten years, fair value	1,510
Due after ten years, amortized cost	6,099
Due after ten years, fair value	6,113
Total, amortized cost	7,599	$ 6,682
Total, fair value	$ 7,623	$ 6,680

Note 6 - Investment Securitie_6

Note 6 - Investment Securities Available for Sale - Gross Unrealized Losses and Fair Value (Details) $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Number of securities		3
Fair value, less than twelve months
Gross unrealized losses, less than twelve months
Fair value, twelve months or greater		1,440
Gross unrealized losses, twelve months or greater		(31)
Fair value		1,440
Gross unrealized losses		$ (31)
Government National Mortgage Association Securities [Member]
Number of securities	4
Fair value, less than twelve months	$ 2,295
Gross unrealized losses, less than twelve months	(1)
Fair value, twelve months or greater
Gross unrealized losses, twelve months or greater
Fair value	2,295
Gross unrealized losses	$ (1)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans [Member]
Number of securities		2
Fair value, less than twelve months
Gross unrealized losses, less than twelve months
Fair value, twelve months or greater		1,082
Gross unrealized losses, twelve months or greater		(29)
Fair value		1,082
Gross unrealized losses		$ (29)
US Government Agencies Debt Securities [Member]
Number of securities		1
Fair value, less than twelve months
Gross unrealized losses, less than twelve months
Fair value, twelve months or greater		358
Gross unrealized losses, twelve months or greater		(2)
Fair value		358
Gross unrealized losses		$ (2)

Note 7 - Loans Receivable, Ne_3

Note 7 - Loans Receivable, Net and Allowance for Loan Losses (Details Textual)	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Troubled Debt Restructuring, Number of Contracts	2	2
Financing Receivable, Troubled Debt Restructuring	$ 151,000	$ 398,000
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	0
Loans and Leases Receivable, Gross, Total	249,767,000	219,730,000
Impaired Financing Receivable, Interest Income, Cash Basis Method, Total	0	0
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	10,000	16,000
Nonperforming Financial Instruments [Member]
Loans and Leases Receivable, Gross, Total	$ 362,000	$ 1,200,000

Note 7 - Loans Receivable, Ne_4

Note 7 - Loans Receivable, Net and Allowance for Loan Losses - Composition of Net Loans Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans	$ 249,767	$ 219,730
Deferred loan fees and costs	(844)	(867)
Allowance for loan losses	(2,231)	(1,965)	$ (1,812)
Net Loans	246,692	216,898
Real Estate Portfolio Segment [Member]
Loans	204,000	196,095
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Loans	6,298	6,603
Allowance for loan losses	(52)	(51)	(48)
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Loans	39,897	47,361
Allowance for loan losses	(351)	(435)	(540)
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Loans [Member]
Loans	46,195	53,964
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Loans	22,233	23,967
Allowance for loan losses	(145)	(156)	(152)
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Loans	119,323	103,819
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans	12,523	9,998
Allowance for loan losses	(250)	(175)	(136)
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Loans	3,726	4,347
Allowance for loan losses	(19)	(21)	$ (27)
Commercial Portfolio Segment [Member]
Loans	45,745	23,616
Consumer Portfolio Segment [Member]
Loans	$ 22	$ 19

Note 7 - Loans Receivable, Ne_5

Note 7 - Loans Receivable, Net and Allowance for Loan Losses - Loan Portfolio by Credit Rating (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans	$ 249,767	$ 219,730
Pass [Member]
Loans	248,187	216,256
Special Mention [Member]
Loans	798
Substandard [Member]
Loans	782	3,474
Doubtful [Member]
Loans
Real Estate Portfolio Segment [Member]
Loans	204,000	196,095
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Loans	6,298	6,603
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Pass [Member]
Loans	6,126	6,421
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Special Mention [Member]
Loans
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Substandard [Member]
Loans	172	182
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Doubtful [Member]
Loans
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Loans	39,897	47,361
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Pass [Member]
Loans	39,579	46,534
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Special Mention [Member]
Loans
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Substandard [Member]
Loans	318	827
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Doubtful [Member]
Loans
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Loans	22,233	23,967
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Pass [Member]
Loans	22,233	23,967
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Special Mention [Member]
Loans
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Substandard [Member]
Loans
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Doubtful [Member]
Loans
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Loans	119,323	103,819
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Pass [Member]
Loans	118,233	101,821
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Special Mention [Member]
Loans	798
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Substandard [Member]
Loans	292	1,998
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Doubtful [Member]
Loans
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans	12,523	9,998
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Pass [Member]
Loans	12,523	9,998
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Special Mention [Member]
Loans
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Substandard [Member]
Loans
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Doubtful [Member]
Loans
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Loans	3,726	4,347
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Pass [Member]
Loans	3,726	4,347
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Special Mention [Member]
Loans
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Substandard [Member]
Loans
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Doubtful [Member]
Loans
Commercial Portfolio Segment [Member]
Loans	45,745	23,616
Commercial Portfolio Segment [Member] | Pass [Member]
Loans	45,745	23,149
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans
Commercial Portfolio Segment [Member] | Substandard [Member]
Loans		467
Commercial Portfolio Segment [Member] | Doubtful [Member]
Loans
Consumer Portfolio Segment [Member]
Loans	22	19
Consumer Portfolio Segment [Member] | Pass [Member]
Loans	22	19
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loans
Consumer Portfolio Segment [Member] | Substandard [Member]
Loans
Consumer Portfolio Segment [Member] | Doubtful [Member]
Loans

Note 7 - Loans Receivable, Ne_6

Note 7 - Loans Receivable, Net and Allowance for Loan Losses - Impaired Loans by Loan Portfolio Class (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Related allowance	$ 4	$ 55
Recorded investment	323	648
Unpaid principal balance	329	651
Average recorded investment	536	3,130
Interest income recognized	25	93
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Recorded investment, with no related allowance recorded	172	182
Unpaid principal balance, with no related allowance recorded	178	185
Average recorded investment, with no related allowance recorded	178	417
Interest income recognized, with no related allowance recorded		23
Recorded investment, with an allowance recorded
Unpaid principal balance, with an allowance recorded
Related allowance
Average recorded investment, with an allowance recorded
Interest income recognized, with an allowance recorded
Recorded investment	172	182
Unpaid principal balance	178	185
Average recorded investment	178	417
Interest income recognized		23
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Recorded investment, with no related allowance recorded	19	265
Unpaid principal balance, with no related allowance recorded	19	265
Average recorded investment, with no related allowance recorded	225	324
Interest income recognized, with no related allowance recorded	13	17
Recorded investment, with an allowance recorded		68
Unpaid principal balance, with an allowance recorded		68
Related allowance		50
Average recorded investment, with an allowance recorded		162
Interest income recognized, with an allowance recorded		4
Recorded investment	19	333
Unpaid principal balance	19	333
Average recorded investment	225	486
Interest income recognized	13	21
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Recorded investment, with no related allowance recorded
Unpaid principal balance, with no related allowance recorded
Average recorded investment, with no related allowance recorded
Interest income recognized, with no related allowance recorded
Recorded investment, with an allowance recorded
Unpaid principal balance, with an allowance recorded
Related allowance
Average recorded investment, with an allowance recorded
Interest income recognized, with an allowance recorded
Recorded investment
Unpaid principal balance
Average recorded investment
Interest income recognized
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Recorded investment, with no related allowance recorded
Unpaid principal balance, with no related allowance recorded
Average recorded investment, with no related allowance recorded
Interest income recognized, with no related allowance recorded
Recorded investment, with an allowance recorded	132	133
Unpaid principal balance, with an allowance recorded	132	133
Related allowance	4	5
Average recorded investment, with an allowance recorded	133	133
Interest income recognized, with an allowance recorded	12	10
Recorded investment	132	133
Unpaid principal balance	132	133
Average recorded investment	133	133
Interest income recognized	12	10
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment, with no related allowance recorded
Unpaid principal balance, with no related allowance recorded
Average recorded investment, with no related allowance recorded		2,050
Interest income recognized, with no related allowance recorded		37
Recorded investment, with an allowance recorded
Unpaid principal balance, with an allowance recorded
Related allowance
Average recorded investment, with an allowance recorded
Interest income recognized, with an allowance recorded
Recorded investment
Unpaid principal balance
Average recorded investment		2,050
Interest income recognized		37
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Recorded investment, with no related allowance recorded
Unpaid principal balance, with no related allowance recorded
Average recorded investment, with no related allowance recorded		44
Interest income recognized, with no related allowance recorded		2
Recorded investment, with an allowance recorded
Unpaid principal balance, with an allowance recorded
Related allowance
Average recorded investment, with an allowance recorded
Interest income recognized, with an allowance recorded
Recorded investment
Unpaid principal balance
Average recorded investment		44
Interest income recognized		2
Commercial Portfolio Segment [Member]
Recorded investment, with no related allowance recorded
Unpaid principal balance, with no related allowance recorded
Average recorded investment, with no related allowance recorded
Interest income recognized, with no related allowance recorded
Recorded investment, with an allowance recorded
Unpaid principal balance, with an allowance recorded
Related allowance
Average recorded investment, with an allowance recorded
Interest income recognized, with an allowance recorded
Recorded investment
Unpaid principal balance
Average recorded investment
Interest income recognized
Consumer Portfolio Segment [Member]
Recorded investment, with no related allowance recorded
Unpaid principal balance, with no related allowance recorded
Average recorded investment, with no related allowance recorded
Interest income recognized, with no related allowance recorded
Recorded investment, with an allowance recorded
Unpaid principal balance, with an allowance recorded
Related allowance
Average recorded investment, with an allowance recorded
Interest income recognized, with an allowance recorded
Recorded investment
Unpaid principal balance
Average recorded investment
Interest income recognized

Note 7 - Loans Receivable, Ne_7

Note 7 - Loans Receivable, Net and Allowance for Loan Losses - Troubled Debt Restructuring Loans (Details)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Troubled debt restructuring, number of contracts	2	2
Troubled debt restructuring, recorded investment	$ 151,000	$ 398,000
Troubled debt restructuring, related allowance	4,000	5,000
Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Accruing Instrument [Member]
Troubled debt restructuring, recorded investment	$ 151,000	$ 398,000
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Troubled debt restructuring, number of contracts
Troubled debt restructuring, recorded investment
Troubled debt restructuring, related allowance
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Accruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Troubled debt restructuring, number of contracts	1	1
Troubled debt restructuring, recorded investment	$ 19,000	$ 265,000
Troubled debt restructuring, related allowance
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Accruing Instrument [Member]
Troubled debt restructuring, recorded investment	$ 19,000	$ 265,000
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Troubled debt restructuring, number of contracts
Troubled debt restructuring, recorded investment
Troubled debt restructuring, related allowance
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Accruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Troubled debt restructuring, number of contracts	1	1
Troubled debt restructuring, recorded investment	$ 132,000	$ 133,000
Troubled debt restructuring, related allowance	4,000	5,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Accruing Instrument [Member]
Troubled debt restructuring, recorded investment	$ 132,000	$ 133,000
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Troubled debt restructuring, number of contracts
Troubled debt restructuring, recorded investment
Troubled debt restructuring, related allowance
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Accruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Troubled debt restructuring, number of contracts
Troubled debt restructuring, recorded investment
Troubled debt restructuring, related allowance
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Accruing Instrument [Member]
Troubled debt restructuring, recorded investment
Commercial Portfolio Segment [Member]
Troubled debt restructuring, number of contracts
Troubled debt restructuring, recorded investment
Troubled debt restructuring, related allowance
Commercial Portfolio Segment [Member] | Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Commercial Portfolio Segment [Member] | Accruing Instrument [Member]
Troubled debt restructuring, recorded investment
Consumer Portfolio Segment [Member]
Troubled debt restructuring, number of contracts
Troubled debt restructuring, recorded investment
Troubled debt restructuring, related allowance
Consumer Portfolio Segment [Member] | Nonaccruing Instrument [Member]
Troubled debt restructuring, recorded investment
Consumer Portfolio Segment [Member] | Accruing Instrument [Member]
Troubled debt restructuring, recorded investment

Note 7 - Loans Receivable, Ne_8

Note 7 - Loans Receivable, Net and Allowance for Loan Losses - Contractual Aging of the TDRs (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment	151,000	398,000
Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due	132,000	398,000
Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due	19,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment	19,000	265,000
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due		265,000
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due	19,000
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment	132,000	133,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due	132,000	133,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due
Commercial Portfolio Segment [Member]
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment
Commercial Portfolio Segment [Member] | Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due
Commercial Portfolio Segment [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due
Consumer Portfolio Segment [Member]
Troubled debt restructurings, non-accrual
Troubled debt restructuring, recorded investment
Consumer Portfolio Segment [Member] | Financial Asset, 1 to 29 Days Past Due [Member]
Troubled debt restructurings, past due
Consumer Portfolio Segment [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Troubled debt restructurings, past due
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Troubled debt restructurings, past due

Note 7 - Loans Receivable, Ne_9

Note 7 - Loans Receivable, Net and Allowance for Loan Losses - Changes in the Allowance for Loan Losses and Recorded Investment in Loans Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan losses, beginning balance	$ 1,965	$ 1,812
Charge-offs	(37)	(262)
Recoveries
Provision	303	415
Allowance for loan losses, ending balance	2,231	1,965
Allowance for loan losses, individually evaluated for impairment	4	55
Allowance for loan losses, collectively evaluated for impairment	2,227	1,910
Loans receivable, ending balance	249,767	219,730
Loans receivable, individually evaluated for impairment	323	648
Loans receivable, collectively evaluated for impairment	249,444	219,082
Real Estate Portfolio Segment [Member]
Loans receivable, ending balance	204,000	196,095
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Allowance for loan losses, beginning balance	51	48
Charge-offs
Recoveries
Provision	1	3
Allowance for loan losses, ending balance	52	51
Allowance for loan losses, individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment	52	51
Loans receivable, ending balance	6,298	6,603
Loans receivable, individually evaluated for impairment	172	182
Loans receivable, collectively evaluated for impairment	6,126	6,421
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Allowance for loan losses, beginning balance	435	540
Charge-offs	(37)	(47)
Recoveries
Provision	(47)	(58)
Allowance for loan losses, ending balance	351	435
Allowance for loan losses, individually evaluated for impairment		50
Allowance for loan losses, collectively evaluated for impairment	351	385
Loans receivable, ending balance	39,897	47,361
Loans receivable, individually evaluated for impairment	19	333
Loans receivable, collectively evaluated for impairment	39,878	47,028
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Allowance for loan losses, beginning balance	156	152
Charge-offs
Recoveries
Provision	(11)	4
Allowance for loan losses, ending balance	145	156
Allowance for loan losses, individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment	145	156
Loans receivable, ending balance	22,233	23,967
Loans receivable, individually evaluated for impairment
Loans receivable, collectively evaluated for impairment	22,233	23,967
Real Estate Portfolio Segment [Member] | Commercial Real Estate and Lines of Credit [Member]
Allowance for loan losses, beginning balance	839	687
Charge-offs
Recoveries
Provision	15	152
Allowance for loan losses, ending balance	854	839
Allowance for loan losses, individually evaluated for impairment	4	5
Allowance for loan losses, collectively evaluated for impairment	850	834
Loans receivable, ending balance	119,323	103,819
Loans receivable, individually evaluated for impairment	132	133
Loans receivable, collectively evaluated for impairment	119,191	103,686
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Allowance for loan losses, beginning balance	175	136
Charge-offs		(215)
Recoveries
Provision	75	254
Allowance for loan losses, ending balance	250	175
Allowance for loan losses, individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment	250	175
Loans receivable, ending balance	12,523	9,998
Loans receivable, individually evaluated for impairment
Loans receivable, collectively evaluated for impairment	12,523	9,998
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Allowance for loan losses, beginning balance	21	27
Charge-offs
Recoveries
Provision	(2)	(6)
Allowance for loan losses, ending balance	19	21
Allowance for loan losses, individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment	19	21
Loans receivable, ending balance	3,726	4,347
Loans receivable, individually evaluated for impairment
Loans receivable, collectively evaluated for impairment	3,726	4,347
Commercial and Consumer Portfolio Segments [Member]
Allowance for loan losses, beginning balance	247	140
Charge-offs
Recoveries
Provision	253	107
Allowance for loan losses, ending balance	500	247
Allowance for loan losses, individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment	500	247
Loans receivable, ending balance	45,767	23,635
Loans receivable, individually evaluated for impairment
Loans receivable, collectively evaluated for impairment	45,767	23,635
Unallocated Financing Receivables [Member]
Allowance for loan losses, beginning balance	41	82
Charge-offs
Recoveries
Provision	19	(41)
Allowance for loan losses, ending balance	60	41
Allowance for loan losses, individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment	60	41
Loans receivable, ending balance
Loans receivable, individually evaluated for impairment
Loans receivable, collectively evaluated for impairment

Note 7 - Loans Receivable, N_10

Note 7 - Loans Receivable, Net and Allowance for Loan Losses - Non-accrual Loans by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans	$ 172	$ 250
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Loans	172	182
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Loans		68
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Loans
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Loans
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Loans
Commercial Portfolio Segment [Member]
Loans
Consumer Portfolio Segment [Member]
Loans

Note 7 - Loans Receivable, N_11

Note 7 - Loans Receivable, Net and Allowance for Loan Losses - Loan Portfolio Summarized by Past Due Status (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans, past due	$ 4,802	$ 8,239
Loans, current	244,965	211,491
Loans	249,767	219,730
Loans > 90 days and accruing	190	928
The 30 to 89 Days Delinquent [Member]
Loans, past due	4,440	7,061
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due	362	1,178
Real Estate Portfolio Segment [Member]
Loans	204,000	196,095
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Loans, past due	1,371	1,278
Loans, current	4,927	5,325
Loans	6,298	6,603
Loans > 90 days and accruing
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans, past due	1,199	1,096
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due	172	182
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Loans, past due	1,069	1,327
Loans, current	38,828	46,034
Loans	39,897	47,361
Loans > 90 days and accruing
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans, past due	1,069	1,259
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due		68
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Loans, past due		371
Loans, current	22,233	23,596
Loans	22,233	23,967
Loans > 90 days and accruing
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans, past due		371
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Loans, past due	1,176	2,618
Loans, current	118,147	101,201
Loans	119,323	103,819
Loans > 90 days and accruing	190	548
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans, past due	986	2,070
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due	190	548
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans, past due	1,120	2,231
Loans, current	11,403	7,767
Loans	12,523	9,998
Loans > 90 days and accruing
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans, past due	1,120	2,231
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Loans, past due		31
Loans, current	3,726	4,316
Loans	3,726	4,347
Loans > 90 days and accruing
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | The 30 to 89 Days Delinquent [Member]
Loans, past due		31
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due
Commercial Portfolio Segment [Member]
Loans, past due	66	383
Loans, current	45,679	23,233
Loans	45,745	23,616
Loans > 90 days and accruing		380
Commercial Portfolio Segment [Member] | The 30 to 89 Days Delinquent [Member]
Loans, past due	66	3
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due		380
Consumer Portfolio Segment [Member]
Loans, past due
Loans, current	22	19
Loans	22	19
Loans > 90 days and accruing
Consumer Portfolio Segment [Member] | The 30 to 89 Days Delinquent [Member]
Loans, past due
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans, past due

Note 8 - Premises and Equipme_3

Note 8 - Premises and Equipment (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Depreciation, Total	$ 200,000	$ 202,000

Note 8 - Premises and Equipme_4

Note 8 - Premises and Equipment - Components of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Premises and equipment	$ 3,872	$ 3,504
Accumulated depreciation	(1,646)	(1,446)
Premises and equipment, net	2,226	2,058
Land and Land Improvements [Member]
Premises and equipment	292	298
Building [Member]
Premises and equipment	1,695	1,456
Leasehold Improvements [Member]
Premises and equipment	441	439
Furniture and Fixtures [Member]
Premises and equipment	$ 1,444	$ 1,311

Note 9 - Goodwill and Other I_3

Note 9 - Goodwill and Other Intangible, Net (Details Textual) - USD ($)	Aug. 01, 2016	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets, Net, Ending Balance		$ 319,000	$ 368,000
Amortization of Intangible Assets, Total		49,000	48,000
Other Intangible Assets [Member]
Finite-Lived Intangible Assets, Net, Ending Balance		$ 319,000	$ 166,000
Signature Insurance Services, LLC [Member]
Payments to Acquire Businesses, Gross	$ 1,000,000
Goodwill, Acquired During Period	515,000
Signature Insurance Services, LLC [Member] | Other Intangible Assets [Member]
Finite-lived Intangible Assets Acquired	$ 485,000
Finite-Lived Intangible Asset, Useful Life	10 years

Note 9 - Goodwill and Other I_4

Note 9 - Goodwill and Other Intangible, Net - Estimated Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
2020	$ 49
2021	49
2022	49
2023	49
2024	49
Thereafter	74
Total	$ 319	$ 368

Note 10 - Deposits (Details Tex

Note 10 - Deposits (Details Textual) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Time Deposits, at or Above FDIC Insurance Limit	$ 29.9	$ 25.7

Note 10 - Deposits - Summary of

Note 10 - Deposits - Summary of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Non-interest bearing checking accounts, amount	$ 15,775	$ 17,542
Money market accounts, amount	$ 25,504	$ 26,841
Money market accounts, weighted average interest rate	0.80%	0.80%
Certificate of deposit accounts, amount	$ 184,452	$ 166,216
Certificate of deposit accounts, weighted average interest rate	2.27%	2.10%
Total, amount	$ 227,458	$ 211,911
Total, weighted average interest rate	1.87%	1.69%
Passbook Accounts [Member]
Interest-bearing deposits, amount	$ 5	$ 192
Interest-bearing deposits, weighted average interest rate	0.15%	0.15%
Savings Accounts [Member]
Interest-bearing deposits, amount	$ 1,722	$ 1,120
Interest-bearing deposits, weighted average interest rate	0.20%	0.20%

Note 10 - Deposits - Certificat

Note 10 - Deposits - Certificate of Deposit by Maturity (Details) $ in Thousands	Dec. 31, 2019USD ($)
2020	$ 94,122
2021	52,497
2022	12,082
2023	14,813
2024	10,938
Total	$ 184,452

Note 11 - Borrowings (Details T

Note 11 - Borrowings (Details Textual) - Line of Credit [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Federal Home Loan Bank [Member]
Line of Credit Facility, Maximum Borrowing Capacity	$ 145,700
Long-term Line of Credit, Total	36,300	$ 24,000
Federal Reserve Bank of Philadelphia [Member]
Line of Credit Facility, Maximum Borrowing Capacity	892,000,000
Long-term Line of Credit, Total	$ 0	$ 0

Note 11 - Borrowings - Federal

Note 11 - Borrowings - Federal Home Loan Bank Short-term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Average balance outstanding	$ 5,585	$ 9,745
Maximum amount outstanding at any month-end during the period	11,000	10,000
Federal Home Loan Bank short-term borrowings	$ 10,000	$ 9,000
Average interest rate during the period	2.52%	2.02%
Weighted average interest rate at end of period	1.81%	2.62%

Note 11 - Borrowings - Federa_2

Note 11 - Borrowings - Federal Home Loan Bank Long-term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
2019, amount		$ 3,000
2019, weighted interest rate		1.86%
2020, amount	$ 2,000	$ 2,000
2020, weighted interest rate	2.00%	2.00%
2021, amount	$ 5,000	$ 3,000
2021, weighted interest rate	2.20%	2.05%
2022, amount	$ 7,171	$ 3,000
2022, weighted interest rate	2.10%	2.18%
2023, amount	$ 7,000	$ 3,000
2023, weighted interest rate	2.16%	2.33%
2024, amount	$ 5,100	$ 1,000
2024, weighted interest rate	2.28%
Total FHLB long-term debt, amount	$ 26,271	$ 15,000
Total FHLB long-term debt, weighted interest rate	2.16%	2.12%

Note 12 - Subordinated Debt (De

Note 12 - Subordinated Debt (Details Textual) - Subordinated Debt [Member] - USD ($) $ in Millions	Dec. 31, 2019	Dec. 27, 2018
Debt Instrument, Face Amount		$ 8
Debt Instrument, Interest Rate, Stated Percentage	6.50%	6.50%

Note 12 - Subordinated Debt - S

Note 12 - Subordinated Debt - Schedule of Subordinated Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Net	$ 7,865	$ 7,831
Subordinated Debt [Member]
Principal	8,000
Unamortized Debt Issuance Costs	135
Net	$ 7,865

Note 12 - Subordinated Debt -_2

Note 12 - Subordinated Debt - Schedule of Subordinated Debt (Details) (Parentheticals)	Dec. 31, 2019	Dec. 27, 2018
Subordinated Debt [Member]
Debt Instrument, Interest Rate	6.50%	6.50%

Note 13 - Income Taxes (Details

Note 13 - Income Taxes (Details Textual) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Deferred Tax Assets, Net, Total	$ 538,000	$ 503,000
Deferred Tax Assets, Valuation Allowance, Total	$ 0	$ 0

Note 13 - Income Taxes - Compon

Note 13 - Income Taxes - Components of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Current	$ 724	$ 507
Deferred	(41)	(26)
Total federal	683	481
State, current	267	186
Total	$ 950	$ 667

Note 13 - Income Taxes - Effect

Note 13 - Income Taxes - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Federal income tax at statutory rate	$ 719	$ 560
Federal income tax at statutory rate, percentage	21.00%	21.00%
State tax, net of federal benefit	$ 211	$ 151
State tax, net of federal benefit, percentage	6.20%	5.70%
Stock compensation expense	$ 30	$ (33)
Stock compensation expense, percentage	0.90%	(1.20%)
Other	$ (10)	$ (11)
Other, percentage	(0.20%)	(0.50%)
Total	$ 950	$ 667
Total, percentage	27.90%	25.00%

Note 13 - Income Taxes - Deferr

Note 13 - Income Taxes - Deferred Tax Assets (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan losses	$ 468,000	$ 413,000
Stock-based compensation	8,000	7,000
Interest on non-accrual loans	2,000	2,000
Deferred loan fees	177,000	182,000
Organization cost	1,000	1,000
Total deferred tax assets	656,000	605,000
Bank premises and equipment	(100,000)	(93,000)
Unrealized gain on investment securities available for sale	(5,000)
Intangible	(13,000)	(9,000)
Total deferred tax liabilities	(118,000)	(102,000)
Net Deferred Tax Asset	$ 538,000	$ 503,000

Note 14 - Stock Compensation _3

Note 14 - Stock Compensation Plans (Details Textual) - USD ($)	1 Months Ended			12 Months Ended
	May 31, 2018	May 31, 2013	May 31, 2008	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2007	Dec. 31, 2017
Employee Stock Ownership Plan (ESOP), Compensation Expense				$ 186,000	$ 192,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 1.75
Restricted Stock [Member]
Share-based Payment Arrangement, Expense				129,000	107,000
Share-based Payment Arrangement, Expense, Tax Benefit				27,000	22,000
Share-based Payment Arrangement, Option [Member]
Share-based Payment Arrangement, Expense, Tax Benefit				$ 2,000	1,000
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition				3 years 146 days
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period				10 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value				$ 994,000	330,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value				836,000	533,000
Share-based Payment Arrangement, Expense, after Tax				44,000	$ 41,000
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount				$ 149,000
Share-based Payment Arrangement, Option [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period				5 years
The 2008 Recognition and Retention Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Shares Purchased for Award			111,090
Share-based Compensation Arrangement by Share-based Payment Award, Per Share Weighted Average Price of Shares Purchased			$ 4.68
Share-based Payment Arrangement, Cash Used to Settle Award			$ 520,000
Stock Repurchase Program, Remaining Number of Shares Authorized to be Repurchased		195,000		0
The 2013 Stock Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized		195,000
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period				5 years
The 2013 Stock Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized		48,750
Percentage of Shares May Be Granted As Restricted Stock Awards		25.00%
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant				0
The 2013 Stock Incentive Plan [Member] | Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized		146,250
The 2018 Stock Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	155,000
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period				5 years
The 2018 Stock Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	38,750
Percentage of Shares May Be Granted As Restricted Stock Awards	25.00%
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant				11,750
Share-based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount				$ 437,000
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition				3 years 146 days
The 2018 Stock Incentive Plan [Member] | Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	116,250
Stock Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number, Ending Balance				38,887
The 2008 Stock Option Plan [Member] | Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized			277,726
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant				0
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price			$ 5
The Option Plan and Stock Incentive Plan [Member] | Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant				37,250
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price				$ 8.10	$ 5
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number, Ending Balance				256,336	279,836		265,302
Employee Stock Ownership Plan [Member]
Percentage of Company Shares Purchased by ESOP						8.00%
Employee Stock Ownership Plan (ESOP), Shares Contributed to ESOP						222,180
ESOP Loan Interest Rate						7.75%
Employee Stock Ownership Plan (ESOP), Loan Term						15 years

Note 14 - Stock Compensation _4

Note 14 - Stock Compensation Plans - Components of the ESOP Shares (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Allocated shares (in shares)	180,959	179,637
Unreleased shares (in shares)	25,249	39,677
Total ESOP shares (in shares)	206,208	219,314
Fair value of unreleased shares (in thousands)	$ 372	$ 469

Note 14 - Stock Compensation _5

Note 14 - Stock Compensation Plans - Status of Shares Under the RRP and Stock Incentive Plan (Details) - The RRP and Stock Incentive Plan [Member] - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Unvested at the beginning of the year (in shares)	48,608	10,061
Unvested at the beginning of the year, weighted average grant date fair value (in dollars per share)	$ 13.30	$ 8.10
Granted, number of shares (in shares)		48,608
Granted, weighted average grant date fair value (in dollars per share)		$ 13.30
Vested, number of shares (in shares)	(9,721)	(9,661)
Vested, weighted average grant date fair value (in dollars per share)	$ 13.30	$ 8.10
Forfeited, number of shares (in shares)		(400)
Forfeited, weighted average grant date fair value (in dollars per share)		$ 8.10
Unvested at the end of the year (in shares)	38,887	48,608
Unvested at the end of the year, weighted average grant date fair value (in dollars per share)	$ 13.30	$ 13.30

Note 14 - Stock Compensation _6

Note 14 - Stock Compensation Plans - Summary of Option Activity (Details) - Share-based Payment Arrangement, Option [Member] - The Option Plan and Stock Incentive Plan [Member] - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Outstanding at the beginning of the year, number of shares (in shares)	279,836	265,302
Outstanding at the beginning of the year, weighted average exercise price (in dollars per share)	$ 10.64	$ 6.74
Outstanding at the beginning of the year, weighted average remaining contractual life (Year)	6 years	6 years 292 days	3 years 73 days
Granted, number of shares (in shares)		136,636
Granted, weighted average exercise price (in dollars per share)		$ 13.30
Granted, weighted average remaining contractual life (Year)		9 years 146 days
Exercised, number of shares (in shares)	(23,500)	(106,844)
Exercised, weighted average exercise price (in dollars per share)	$ 8.10	$ 5
Forfeited, number of shares (in shares)		(15,258)
Forfeited, weighted average exercise price (in dollars per share)		$ 6.22
Outstanding at end of period, number of shares (in shares)	256,336	279,836	265,302
Outstanding at end of period, weighted average exercise price (in dollars per share)	$ 10.87	$ 10.64	$ 6.74
Exercisable at end of period, number of shares (in shares)	147,027	143,200
Exercisable at end of period, weighted average exercise price (in dollars per share)	$ 9.07	$ 8.10
Exercisable at end of period, weighted average remaining contractual life (Year)	4 years 292 days	4 years 146 days

Note 14 - Stock Compensation _7

Note 14 - Stock Compensation Plans - Fair Value Assumptions (Details)	12 Months Ended
	Dec. 31, 2019
Expected dividend yield	2.11%
Risk-free interest rate	2.96%
Expected life of options (Year)	6 years 182 days
Expected stock-price volatility	12.42%

Note 15 - Transactions With E_2

Note 15 - Transactions With Executive Officers and Directors (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable, Related Parties, Ending Balance	$ 0	$ 0

Note 16 - Financial Instrumen_3

Note 16 - Financial Instruments with Off-balance Sheet Risk - Financial Instrument Commitments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loan Origination Commitments [Member]
Contractual obligations	$ 10,184	$ 17,593
Unfunded Commitments Under Lines of Credit [Member]
Contractual obligations	15,181	14,569
Standby Letters of Credit [Member]
Contractual obligations	$ 38	$ 83

Note 17 - Leases (Details Textu

Note 17 - Leases (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating Lease, Cost	$ 139,000
Operating Lease, Expense	$ 187,000	$ 165,000

Note 17 - Leases - Lease inform

Note 17 - Leases - Lease information (Details)	Dec. 31, 2019
Weighted average remaining term (Year)	12 years 182 days
Weighted average discount rate	3.06%

Note 17 - Leases - Undiscounted

Note 17 - Leases - Undiscounted Cash flows Due to Operating Leases (Details) $ in Thousands	Dec. 31, 2019USD ($)
2020	$ 138
2021	140
2022	141
2023	139
2024	143
2025 and thereafter	934
Total undiscounted cash flows	1,635
Discount on cash flows	(330)
Other Liabilities [Member]
Total lease liabilities	$ 1,305

Note 18 - Regulatory Matters (D

Note 18 - Regulatory Matters (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 27, 2018	Dec. 31, 2014
Common Equity Tier 1 Required For Capital Adequacy To Risk Weighted Assets	4.50%	4.50%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%		4.00%
Capital Conservation Buffer	2.50%
Risk Weighting for Certain Assets	150.00%			100.00%
Common Equity Tier 1 Capital			$ 6,500,000
Payments of Dividends, Total	$ 676,000	$ 511,000
Retained Earnings (Accumulated Deficit), Ending Balance	15,937,000	14,136,000
Quaint Oak Bank [Member]
Payments of Dividends, Total		$ 750,000
Retained Earnings (Accumulated Deficit), Ending Balance	$ 4,300,000
Subordinated Debt [Member]
Debt Instrument, Face Amount			$ 8,000,000

Note 18 - Regulatory Matters -

Note 18 - Regulatory Matters - Compliance With Regulatory Capital Requirements Under Banking Regulations (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2014
Total capital (to risk-weighted assets), actual, amount	$ 33,087	$ 29,778
Total capital (to risk-weighted assets), actual, ratio	14.41%	15.49%
Total capital (to risk-weighted assets), for capital adequacy, amount	$ 18,373	$ 15,378
Total capital (to risk-weighted assets), for capital adequacy, ratio	8.00%	8.00%
Total capital (to risk-weighted assets), to be well capitalized, amount	$ 22,966	$ 19,233
Total capital (to risk-weighted assets), to be well capitalized, ratio	10.00%	10.00%
Tier 1 capital (to risk-weighted assets), actual, amount	$ 30,829	$ 27,786
Tier 1 capital (to risk-weighted assets), actual, ratio	13.42%	14.45%
Tier 1 capital (to risk-weighted assets), for capital adequacy, amount	$ 13,780	$ 11,534
Tier 1 capital (to risk-weighted assets), for capital adequacy, ratio	6.00%	6.00%	4.00%
Tier 1 capital (to risk-weighted assets), to be well capitalized, amount	$ 18,373	$ 15,378
Tier 1 capital (to risk-weighted assets), to be well capitalized, ratio	8.00%	8.00%
Common Equity Tier 1 capital (to risk-weighted assets), actual, amount	$ 30,829	$ 27,786
Common Equity Tier 1 capital (to risk-weighted assets), actual, ratio	13.42%	14.45%
Common Equity Tier 1 capital (to risk-weighted assets), for capital adequacy, amount	$ 10,335	$ 8,650
Common Equity Tier 1 capital (to risk-weighted assets), for capital adequacy, ratio	4.50%	4.50%
Common Equity Tier 1 capital (to risk-weighted assets), to be well capitalized, amount	$ 14,928	$ 12,495
Common Equity Tier 1 capital (to risk-weighted assets), to be well capitalized, ratio	6.50%	6.50%
Tier 1 capital (to average assets), actual, amount	$ 30,829	$ 27,786
Tier 1 capital (to average assets), actual, ratio	10.35%	10.92%
Tier 1 capital (to average assets), for capital adequacy, amount	$ 11,915	$ 10,175
Tier 1 capital (to average assets), for capital adequacy, ratio	4.00%	4.00%
Tier 1 capital (to average assets), to be well capitalized, amount	$ 14,894	$ 12,718
Tier 1 capital (to average assets), to be well capitalized, ratio	5.00%	5.00%

Note 19 - Fair Value Measurem_3

Note 19 - Fair Value Measurements and Fair Values of Financial Instruments - Financial Assets and Liabilities on a Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investment securities available for sale	$ 7,623	$ 6,680
Fair Value, Recurring [Member]
Investment securities available for sale	7,623	6,680
Total fair value measurements	7,623	6,680
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale
Total fair value measurements
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale	7,623	6,680
Total fair value measurements	7,623	6,680
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale
Total fair value measurements
Fair Value, Nonrecurring [Member]
Total fair value measurements	2,143	2,243
Impaired loans	319	593
Other Real Estate Owned	1,824	1,650
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total fair value measurements
Impaired loans
Other Real Estate Owned
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total fair value measurements
Impaired loans
Other Real Estate Owned
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total fair value measurements	2,143	2,243
Impaired loans	319	593
Other Real Estate Owned	1,824	1,650
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Investment securities available for sale	6,113	6,322
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) Insured Loans [Member]
Investment securities available for sale	5,853	4,873
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) Insured Loans [Member] | Fair Value, Recurring [Member]
Investment securities available for sale	5,853	4,873
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale	5,853	4,873
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) Insured Loans [Member]
Investment securities available for sale	260	367
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) Insured Loans [Member] | Fair Value, Recurring [Member]
Investment securities available for sale	260	367
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale	260	367
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans [Member]
Investment securities available for sale		1,082
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans [Member] | Fair Value, Recurring [Member]
Investment securities available for sale		1,082
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale		1,082
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale
Corporate Debt Securities [Member]
Investment securities available for sale	1,510
Corporate Debt Securities [Member] | Fair Value, Recurring [Member]
Investment securities available for sale	1,510
Corporate Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale
Corporate Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale	1,510
Corporate Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale
US Government Agencies Debt Securities [Member]
Investment securities available for sale		358
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member]
Investment securities available for sale		358
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale		358
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale

Note 19 - Fair Value Measurem_4

Note 19 - Fair Value Measurements and Fair Values of Financial Instruments - Additional Quantitative Information About Assets Measured at Fair Value on a Nonrecurring Basis (Details) - Appraisal of Collateral [Member] - Fair Value, Inputs, Level 3 [Member] $ in Thousands		12 Months Ended
		Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Impaired Loans [Member]
Valuation techniques	[1]	Appraisal of collateral (1)	Appraisal of collateral
Unobservable input	[2]	Appraisal adjustments (2)	Appraisal adjustments
Other Real Estate Owned [Member]
Valuation techniques	[1]	Appraisal of collateral	Appraisal of collateral
Unobservable input	[2]	Appraisal adjustments	Appraisal adjustments
Meaurement Input, Appraisal Adjustments Rate [Member]
Total fair value		$ 319	$ 648
Other real estate owned, fair value		$ 1,824	$ 1,650
Meaurement Input, Appraisal Adjustments Rate [Member] | Impaired Loans [Member] | Minimum [Member]
Unobservable input, range		0	0
Meaurement Input, Appraisal Adjustments Rate [Member] | Impaired Loans [Member] | Maximum [Member]
Unobservable input, range		0.03	0.73
Meaurement Input, Appraisal Adjustments Rate [Member] | Impaired Loans [Member] | Weighted Average [Member]
Unobservable input, range		(0.01)	(0.08)
Meaurement Input, Appraisal Adjustments Rate [Member] | Other Real Estate Owned [Member] | Minimum [Member]
Unobservable input, range		0	0
Meaurement Input, Appraisal Adjustments Rate [Member] | Other Real Estate Owned [Member] | Maximum [Member]
Unobservable input, range		0.12	0.12
Meaurement Input, Appraisal Adjustments Rate [Member] | Other Real Estate Owned [Member] | Weighted Average [Member]
Unobservable input, range		(0.12)	(0.12)
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are identifiable.
[2]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percentage of the appraisal.

Note 19 - Fair Value Measurem_5

Note 19 - Fair Value Measurements and Fair Values of Financial Instruments - Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investment in interest-earning time deposits		$ 4,927
Reported Value Measurement [Member]
Investment in interest-earning time deposits	$ 10,172	4,927
Loans held for sale	8,928	5,103
Loans receivable, net	246,692	216,898
Deposits	227,458	211,911
FHLB long-term borrowings	26,271	15,000
Subordinated debt	7,865	7,831
Estimate of Fair Value Measurement [Member]
Investment in interest-earning time deposits	10,536
Loans held for sale	9,205	5,254
Loans receivable, net	250,550	214,351
Deposits	230,521	212,320
FHLB long-term borrowings	26,292	14,973
Subordinated debt	8,146	7,831
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Investment in interest-earning time deposits
Loans held for sale
Loans receivable, net
Deposits	43,006	45,695
FHLB long-term borrowings
Subordinated debt
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Investment in interest-earning time deposits
Loans held for sale	9,205	5,254
Loans receivable, net
Deposits
FHLB long-term borrowings
Subordinated debt
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Investment in interest-earning time deposits	10,536	4,927
Loans held for sale
Loans receivable, net	250,550	214,351
Deposits	187,515	166,625
FHLB long-term borrowings	26,292	14,973
Subordinated debt	$ 8,146	$ 7,831

Note 20 - Operating Segments (D

Note 20 - Operating Segments (Details Textual)	12 Months Ended
	Dec. 31, 2019
Number of Reportable Segments	2

Note 20 - Operating Segments -

Note 20 - Operating Segments - Summary of Financial Information for the Reportable Segments (Details) - USD ($)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Net Interest Income		$ 8,685,000	$ 8,305,000
Provision for Loan Losses		303,000	415,000
Net Interest Income after Provision for Loan Losses		8,382,000	7,890,000
Insurance commissions		419,000	430,000
Income from bank-owned life insurance		80,000	80,000
Net gain on loans held for sale		3,014,000	2,120,000
Gain on the sale of SBA loans		265,000	105,000
Unrealized losses on investment securities available for sale		(4,000)
(Loss) gain on sales and write-downs of other real estate owned		(221,000)	63,000
Total Non-Interest Income		4,953,000	3,947,000
Salaries and employee benefits		6,947,000	6,407,000
Directors’ fees and expenses		223,000	208,000
Occupancy and equipment		692,000	601,000
Data processing		508,000	398,000
Professional fees		416,000	365,000
FDIC deposit insurance assessment		15,000	186,000
Other real estate owned expenses		22,000	20,000
Advertising		195,000	217,000
Amortization of Intangible Assets, Total		49,000	48,000
Other		841,000	716,000
Total Non-Interest Expense		9,908,000	9,166,000
Pretax Segment Profit		3,427,000	2,671,000
Segment Assets		302,540,000	271,404,000
Mortgage Banking and Abstract Fees [Member]
Non-interest revenue		1,152,000	826,000
Real Estate Sales Commissions [Member]
Non-interest revenue		180,000	192,000
Other Fees and Services Fees [Member]
Non-interest revenue		68,000	131,000
Quaint Oak Bank [Member]
Net Interest Income	[1]	8,845,000	8,360,000
Provision for Loan Losses	[1]	303,000	415,000
Net Interest Income after Provision for Loan Losses	[1]	8,542,000	7,945,000
Insurance commissions	[1]	419,000	430,000
Income from bank-owned life insurance	[1]	80,000	80,000
Net gain on loans held for sale	[1]	1,000	5,000
Gain on the sale of SBA loans	[1]	265,000	105,000
Unrealized losses on investment securities available for sale		(4,000)
(Loss) gain on sales and write-downs of other real estate owned		(221,000)	63,000
Total Non-Interest Income	[1]	1,437,000	1,524,000
Salaries and employee benefits	[1]	5,768,000	5,237,000
Directors’ fees and expenses	[1]	223,000	208,000
Occupancy and equipment	[1]	478,000	441,000
Data processing	[1]	366,000	279,000
Professional fees	[1]	357,000	329,000
FDIC deposit insurance assessment	[1]	15,000	186,000
Other real estate owned expenses	[1]	22,000	20,000
Advertising	[1]	140,000	183,000
Amortization of Intangible Assets, Total	[1]	49,000	48,000
Other	[1]	780,000	657,000
Total Non-Interest Expense	[1]	8,198,000	7,588,000
Pretax Segment Profit	[1]	1,781,000	1,881,000
Segment Assets	[1]	286,986,000	261,490,000
Quaint Oak Bank [Member] | Mortgage Banking and Abstract Fees [Member]
Non-interest revenue	[1]	649,000	518,000
Quaint Oak Bank [Member] | Real Estate Sales Commissions [Member]
Non-interest revenue	[1]	180,000	192,000
Quaint Oak Bank [Member] | Other Fees and Services Fees [Member]
Non-interest revenue	[1]	68,000	131,000
Quaint Oak Bank, Mortgage [Member]
Net Interest Income		(160,000)	(55,000)
Provision for Loan Losses
Net Interest Income after Provision for Loan Losses		(160,000)	(55,000)
Insurance commissions
Income from bank-owned life insurance
Net gain on loans held for sale		3,013,000	2,115,000
Gain on the sale of SBA loans
Unrealized losses on investment securities available for sale
(Loss) gain on sales and write-downs of other real estate owned
Total Non-Interest Income		3,516,000	2,423,000
Salaries and employee benefits		1,179,000	1,170,000
Directors’ fees and expenses
Occupancy and equipment		214,000	160,000
Data processing		142,000	119,000
Professional fees		59,000	36,000
FDIC deposit insurance assessment
Other real estate owned expenses
Advertising		55,000	34,000
Amortization of Intangible Assets, Total
Other		61,000	59,000
Total Non-Interest Expense		1,710,000	1,578,000
Pretax Segment Profit		1,646,000	790,000
Segment Assets		15,554,000	9,914,000
Quaint Oak Bank, Mortgage [Member] | Mortgage Banking and Abstract Fees [Member]
Non-interest revenue		503,000	308,000
Quaint Oak Bank, Mortgage [Member] | Real Estate Sales Commissions [Member]
Non-interest revenue
Quaint Oak Bank, Mortgage [Member] | Other Fees and Services Fees [Member]
Non-interest revenue
[1]	Includes Quaint Oak Bancorp, Inc. and the Bank's Subsidiaries, Quaint Oak Real Estate, Quaint Oak Abstract, Quaint Oak Insurance Agency, and QOB Properties.

Note 22 - Quaint Oak Bancorp,_3

Note 22 - Quaint Oak Bancorp, Inc. (Parent Company Only) - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash and cash equivalents	$ 14,555	$ 26,012	$ 7,910
Premises and equipment, net	2,226	2,058
Other assets	2,783	1,060
Total Assets	302,540	271,404
Subordinated debt	7,865	7,831
Stockholders’ equity	25,907	23,836	22,185
Total Liabilities and Stockholders’ Equity	302,540	271,404
Parent Company [Member]
Cash and cash equivalents	669	1,596	$ 211
Investment in Quaint Oak Bank	31,512	28,454
Premises and equipment, net	1,559	1,588
Other assets	32	29
Total Assets	33,772	31,667
Subordinated debt	7,865	7,831
Stockholders’ equity	25,907	23,836
Total Liabilities and Stockholders’ Equity	$ 33,772	$ 31,667

Note 22 - Quaint Oak Bancorp,_4

Note 22 - Quaint Oak Bancorp, Inc. (Parent Company Only) - Statements of Income (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Occupancy and equipment	$ 692,000	$ 601,000
Interest on subordinated debt	519,000	7,000
Other	841,000	716,000
Total Expenses	9,908,000	9,166,000
Net (Loss) Income Before Income Taxes	3,427,000	2,671,000
Income taxes	(950,000)	(667,000)
Net Income	2,477,000	2,004,000
Comprehensive Income	2,499,000	2,017,000
Parent Company [Member]
Dividends from subsidiary		750,000
Interest income	20,000
Rental income	199,000	151,000
Total Income	219,000	901,000
Occupancy and equipment	120,000	116,000
Interest on subordinated debt	519,000	7,000
Other	161,000	116,000
Total Expenses	800,000	239,000
Net (Loss) Income Before Income Taxes	(581,000)	662,000
Equity in Undistributed Net Income of Subsidiary	2,936,000	1,324,000
Income taxes	122,000	18,000
Net Income	2,477,000	2,004,000
Comprehensive Income	$ 2,499,000	$ 2,017,000

Note 22 - Quaint Oak Bancorp,_5

Note 22 - Quaint Oak Bancorp, Inc. (Parent Company Only) - Statements of Cash Flows (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Net Income	$ 2,477,000	$ 2,004,000
Depreciation expense	200,000	202,000
Amortization of subordinated debt issuance costs	34,000
Stock-based compensation expense	359,000	340,000
Net cash provided by operating activities	(1,852,000)	4,864,000
Investing Activities
Net cash used in investing activities	(36,848,000)	(15,722,000)
Net proceeds from the issuance of subordinated debt		7,831,000
Dividends paid	(676,000)	(511,000)
Purchase of treasury stock	(339,000)	(793,000)
Proceeds from the reissuance of treasury stock	38,000	64,000
Proceeds from the exercise of stock options	190,000	534,000
Net cash (used in) provided by financing activities	27,243,000	28,960,000
Net (Decrease) Increase in Cash and Cash Equivalents	(11,457,000)	18,102,000
Cash and Cash Equivalents – Beginning of Year	26,012,000	7,910,000
Cash and Cash Equivalents – End of Year	14,555,000	26,012,000
Parent Company [Member]
Net Income	2,477,000	2,004,000
Undistributed net income in subsidiary	(2,936,000)	(1,324,000)
Depreciation expense	53,000	44,000
Amortization of subordinated debt issuance costs	34,000
Stock-based compensation expense	359,000	340,000
Increase in other assets	(2,000)	(84,000)
Decrease in other liabilities		(11,000)
Net cash provided by operating activities	(15,000)	969,000
Investing Activities
Investment in subsidiary		(6,500,000)
Purchase of property and equipment	(125,000)	(209,000)
Net cash used in investing activities	(125,000)	(6,709,000)
Net proceeds from the issuance of subordinated debt		7,831,000
Dividends paid	(676,000)	(511,000)
Purchase of treasury stock	(339,000)	(793,000)
Proceeds from the reissuance of treasury stock	38,000	64,000
Proceeds from the exercise of stock options	190,000	534,000
Net cash (used in) provided by financing activities	(787,000)	7,125,000
Net (Decrease) Increase in Cash and Cash Equivalents	(927,000)	1,385,000
Cash and Cash Equivalents – Beginning of Year	1,596,000	211,000
Cash and Cash Equivalents – End of Year	$ 669,000	$ 1,596,000