Welcome to our dedicated page for Quaint Oak Bancorp SEC filings (Ticker: QNTO), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Quaint Oak Bancorp, Inc. (QNTO), the holding company for Quaint Oak Bank and the Quaint Oak Family of Companies. These documents offer detailed information on the Company’s financial condition, operating results, capital structure and corporate actions.
Quaint Oak Bancorp, Inc. uses Form 8-K to report material events and selected financial information. For example, the Company has filed 8-K reports to furnish quarterly earnings press releases and to disclose Board decisions to declare quarterly cash dividends, including the dividend declared on January 14, 2026. These filings typically reference attached press releases that are incorporated by reference and describe net income or net loss, key drivers of performance, and dividend details such as per-share amounts, record dates and payment dates.
In addition to current reports, investors may review the Company’s annual reports on Form 10-K and quarterly reports on Form 10-Q (when available in the SEC feed) to see comprehensive discussions of loan portfolios, interest and dividend income, interest expense, non-interest income, non-interest expense, provisions for credit losses, asset quality metrics and capital ratios. These periodic reports also describe the activities of subsidiaries such as Quaint Oak Mortgage, LLC and Oakmont Commercial, LLC, and may discuss transactions like the sale of a majority interest in Oakmont Capital Holdings, LLC or the discontinuation of Quaint Oak Real Estate, LLC.
Through this filings page, users can also track dividend-related disclosures, debt issuance details, and other regulatory communications. Stock Titan’s tools surface new EDGAR submissions in near real time and provide AI-powered summaries to help explain complex sections, highlight key changes from prior periods and clarify technical topics such as credit loss provisioning, Federal Home Loan Bank borrowings, subordinated debt and senior notes.
For those analyzing QNTO, these SEC filings are a primary source for understanding how management explains performance, risk, funding and capital decisions over time, supplementing the Company’s press releases and other public statements.
QUAINT OAK BANCORP, INC. Chief Executive Officer Robert T. Strong exercised employee stock options to acquire 2,462 shares of common stock at an exercise price of $13.30 per share. Following this option exercise, he directly holds 212,570 common shares, including unvested awards and shares held jointly with his spouse.
He also has indirect ownership through retirement and benefit accounts, with 33,813.7914 shares in an ESOP, 22,742 shares in an IRA, and 10,749.3090 shares in a 401(k) plan, all as of a report dated April 21, 2026. Remaining option positions include rights to buy 15,000 shares at $18.00 per share expiring in 2033 and 2,500 shares at $10.15 per share expiring in 2035.
QUAINT OAK BANCORP, INC. director James J. Clarke exercised stock options to acquire 100 shares of common stock at $13.30 per share. After this transaction, he directly owns 70,790 common shares, including 35,950 held jointly with his spouse and 600 unvested shares under the 2023 Stock Incentive Plan.
Clarke also retains a stock option on 5,000 shares of common stock with an exercise price of $18.00 per share expiring on May 10, 2033, which continues to vest at 20% per year commencing on May 10, 2024. No open-market sales were reported in this filing.
Quaint Oak Bancorp, Inc. declared a quarterly cash dividend of $0.04 per share on its common stock. The Board approved the dividend on April 15, 2026. It will be paid on May 11, 2026 to shareholders who are on record as of April 27, 2026.
The company, parent of Quaint Oak Bank and its financial services affiliates, describes itself as operating multi-state businesses in banking, mortgage, insurance, abstract, and commercial real estate financing.
Quaint Oak Bancorp, Inc. is holding its annual shareholder meeting at its Southampton, Pennsylvania headquarters on May 13, 2026 at 2:00 p.m. Eastern. Shareholders will vote to elect three directors for terms expiring in 2029 and to ratify S.R. Snodgrass, P.C. as independent auditor for the year ending December 31, 2026.
Shareholders of record on March 24, 2026, when 2,640,997 common shares were outstanding, are entitled to one vote per share. The Board, a majority of whom are independent, separates the roles of Chairman and Chief Executive Officer.
The proxy discloses 2025 director retainers and meeting fees and shows 2025 CEO compensation of $402,509, including $355,000 salary, $20,000 bonus and equity awards under the 2023 Stock Incentive Plan. Other named executives received salaries of $265,000 and $264,790 with cash bonuses and equity grants. Employment agreements for key executives include base salary minimums, annual bonus eligibility and change-in-control severance up to 2.99 times average compensation, subject to tax limits.
The company maintains a 401(k) plan with potential matching and profit-sharing contributions and an Employee Stock Ownership Plan, which received a $108,245 contribution for 2025. Audit fees paid to S.R. Snodgrass, P.C. totaled $210,154 in 2025, including audit, audit-related and tax services. The Board recommends voting in favor of the director slate and auditor ratification.
Quaint Oak Bancorp, Inc. reported that its subsidiary Quaint Oak Bank received formal notifications on March 30, 2026 from the FDIC and the Pennsylvania Department of Banking and Securities terminating the Consent Orders issued on May 15, 2025 related to its Bank Secrecy Act compliance program.
The termination confirms the Bank successfully resolved the regulatory issues in roughly ten months and implemented substantial enhancements to its compliance framework, including financial crime management and third-party risk oversight. Management notes that dedicating significant resources to remediation hurt short-term financial performance, but the Company has now resumed full focus on executing its strategic initiatives.
Quaint Oak Bancorp, Inc. reports on its 2025 performance as a Pennsylvania-based savings and loan holding company focused on commercial real estate and business lending. Total assets were $675.9 million, deposits $597.3 million, and stockholders’ equity $52.3 million, or 7.7% of assets, as of December 31, 2025.
Net loans were $540.7 million, about 80% of assets, led by commercial real estate at $309.7 million (56.7% of the loan portfolio) and commercial business loans at $96.3 million (17.6%). Loans held for sale totaled $61.0 million, mainly commercial real estate credits.
Credit quality metrics show non-performing assets of $7.7 million, equal to 1.14% of total assets, and an allowance for credit losses of $6.2 million, or 1.13% of total loans. The bank holds no FHLB or FRB borrowings and had uninsured deposits estimated at $244.3 million.
The company notes a high commercial real estate concentration of 591.9% of total capital and discloses 2025 adoption of new income tax disclosure standards. It also details substantially identical Bank Secrecy Act-related Consent Orders issued in 2025 that require enhancements to its anti-money-laundering and financial crimes compliance programs.
Quaint Oak Bancorp Chief Executive Officer Robert T. Strong exercised employee stock options to acquire 2,500 shares of common stock at $13.30 per share on February 27, 2026. This was reported as an exercise or conversion of a derivative security, not an open-market purchase.
After the transaction, his directly held common stock increased to 210,108 shares, with 12,462 derivative (option) shares reported as remaining. Additional indirect common stock holdings are reported through a 401(k) plan, an IRA, and an ESOP.
Quaint Oak Bancorp, Inc. adopted amended and restated bylaws effective February 11, 2026. The changes clarify that when the Chief Executive Officer and President are different individuals, the Chief Executive Officer may preside over shareholder meetings, call special Board meetings, and sign stock certificates.
The amendments also remove the requirement to issue physical stock certificates, allowing all shares to be held in uncertificated, book‑entry form. Additional updates are described as technical and modernizing, such as deleting references to the first annual shareholder meeting and outdated communications methods for giving notices.
Quaint Oak Bancorp, Inc. Employee Stock Ownership Plan Trust reports beneficial ownership of 208,924 shares of Quaint Oak Bancorp, Inc. common stock, representing 7.9% of the class based on 2,637,978 shares issued and outstanding as of December 31, 2025.
The shares are held in an employee stock ownership plan with individual accounts for participating employees and beneficiaries. Participants generally direct how allocated shares are voted, while the Plan trustees, John J. Augustine and Aimee K. Ott, have shared voting and dispositive power over the 208,924 shares through the trust and vote unallocated shares proportionally, subject to fiduciary duties and law.