Quaint Oak Bancorp, Inc. filings document formal disclosures for a bank holding company whose wholly owned subsidiary is Quaint Oak Bank. Recent Form 8-K reports cover results of operations, financial condition, quarterly cash dividends, bank regulatory matters, and amendments to the company’s bylaws, including provisions for book-entry shares.
The company’s proxy materials describe annual shareholder meeting matters, board governance, executive compensation and equity-related disclosures. Regulatory filings also record the termination of prior consent orders involving the Bank’s Bank Secrecy Act compliance program, along with related compliance, financial crime management and third-party risk oversight disclosures.
QUAINT OAK BANCORP, INC. (QNTO) director Ray S. Greenberg filed an initial ownership report showing his equity position in the company. He beneficially owns 9,400 shares of Common Stock directly, including 400 unvested shares granted under the 2023 Stock Incentive Plan, plus 1,200 shares held indirectly through an IRA. He also holds stock options to buy 4,000 shares at $13.30 expiring May 9, 2028, which are fully vested, and options to buy 5,000 shares at $18.00 expiring May 10, 2033 that vest 20% per year starting May 10, 2024.
Quaint Oak Bancorp, Inc. (QNTO) reports that on September 9, 2026, its Board of Directors appointed Ray S. Greenberg, CFP, as a director of the company, with an initial term expiring at the company’s 2029 annual meeting of shareholders.
Greenberg has served on the board of Quaint Oak Bank, the company’s wholly owned subsidiary, since 2016 and previously served as an advisory board member of the company. He owns Financial Expertise, a financial planning sole proprietorship, and was also appointed to the company’s Audit Committee effective September 9, 2026. The company states there are no related-party arrangements, family relationships, or transactions requiring disclosure under Item 404(a) of Regulation S‑K.
QUAINT OAK BANCORP, INC. (QNTO) reports that EVP and Corporate Secretary Aimee K. Ott had 82 shares of common stock withheld on September 5, 2026 at $14.50 per share to pay tax liability on a distribution from a stock benefit plan. After this withholding, she holds 12,403 common shares directly, including unvested awards under the 2023 Stock Incentive Plan, and additional common shares held indirectly through a 401(k) plan and an employee stock ownership plan. She also holds employee stock options on 6,000, 15,000, and 8,136 underlying common shares at exercise prices of $10.15, $18.00, and $13.30, respectively, with expirations between 2028 and 2035. No Rule 10b5-1 trading plan is reported.
QUAINT OAK BANCORP, INC. (QNTO) reported that director and president William R. Gonzalez had 113 shares of common stock withheld on September 5, 2026 at $14.50 per share to pay a tax liability arising from a distribution under a stock benefit plan. After this tax-related disposition, he holds 15,941 common shares directly, which include 1,600 unvested shares from a grant that began vesting at 20% per year on September 5, 2026 and 1,800 unvested shares from a grant that began vesting at 20% per year on May 10, 2024. He also reports indirect common stock holdings of 19,336.2240 shares through a 401(k) plan, 13,090.8859 shares through an employee stock ownership plan, and 1,203.1249 shares through his spouse’s interest in an employee stock ownership plan. In addition, Gonzalez holds employee stock options for 11,220 shares at $13.30 expiring May 9, 2028 (fully vested), 7,000 shares at $10.15 expiring September 5, 2035 (vesting 20% per year starting September 5, 2026), and 15,000 shares at $18.00 expiring May 10, 2033 (vesting 20% per year starting May 10, 2024). No transactions are reported as made under a Rule 10b5-1 trading plan.
Quaint Oak Bancorp, Inc. reported higher profitability for the six months ended June 30, 2026. Net income rose to $647 thousand from $189 thousand a year earlier, and basic EPS increased to $0.24 from $0.07. For the quarter, net income was $481 thousand versus $272 thousand in 2025, with basic EPS of $0.18.
Total assets were $630.3 million at June 30, 2026, down from $675.9 million at December 31, 2025, as loans receivable declined to $527.2 million and deposits fell to $550.8 million from $597.3 million. Net interest income for the six months improved to $9.3 million from $8.6 million, while non-interest income grew to $4.1 million, driven by gains on loan and SBA loan sales. Non-performing loans increased to $9.8 million from $7.3 million, and the allowance for credit losses rose modestly to $6.4 million. Operating cash flow strengthened significantly to $21.4 million from $7.4 million, and stockholders’ equity edged up to $53.0 million, with book value per share of $19.98.
Quaint Oak Bancorp, Inc. director and President William R. Gonzalez reported an open-market purchase of 489 shares of Common Stock on August 6, 2026 at $14.25 per share through a 401(k) Plan, bringing that indirect 401(k) holding to 19,283.1200 shares. He also reports direct ownership of 16,054.0000 shares of Common Stock, as well as indirect holdings of 13,090.8859 shares through an ESOP and 1,203.1249 shares through his spouse’s ESOP. In addition, he holds employee stock options over 11,220, 7,000, and 15,000 shares of Common Stock at exercise prices of $13.30, $10.15, and $18.00, respectively, with vesting terms described in the company’s 2023 Stock Incentive Plan.
Quaint Oak Bancorp reported stronger profitability for the quarter and six months ended June 30, 2026. Net income was $481,000, or $0.18 per share, up from $272,000, or $0.10, a year earlier, while year-to-date net income rose to $647,000 from $189,000.
Results were driven mainly by a $760,000 quarterly decrease in interest expense, elimination of Federal Home Loan Bank borrowings, and higher non-interest income from loan sales and servicing, partly offset by lower interest and dividend income and modestly higher operating costs. Net interest margin improved to 2.93% and the efficiency ratio to 82.08%. Total assets declined to $630.3 million and deposits to $550.8 million as loans held for sale and loans receivable contracted. Credit quality remains manageable but weaker, with non-performing assets rising to $10.3 million, or 1.64% of assets, and non-performing loans at 1.88% of loans receivable, net.
Quaint Oak Bancorp, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.04 per share on its common stock on July 15, 2026.
The dividend is payable on August 10, 2026 to shareholders of record as of July 27, 2026. Quaint Oak Bancorp is the holding company for Quaint Oak Bank and several multi-state financial services subsidiaries.
Quaint Oak Bancorp director James J. Clarke reported buying additional shares of Common Stock. On May 26, 2026, he completed an open-market purchase of 200 shares of Common Stock at $17.35 per share, bringing his directly held Common Stock position to 70,990 shares.
This total includes 400 unvested shares granted under the 2023 Stock Incentive Plan and 36,150 shares held jointly with his spouse. Clarke also holds a stock option covering 5,000 shares of Common Stock at an exercise price of $18.00 per share, expiring on May 10, 2033, vesting 20% per year beginning May 10, 2024.
Quaint Oak Bancorp, Inc. reported the results of its Annual Meeting of Shareholders held on May 13, 2026. Shareholders elected three directors, James J. Clarke, Ph.D., William R. Gonzalez, MBA, and Susan M. Vettori, each to serve a three-year term expiring in 2029.
Out of 2,640,997 common shares eligible to vote, 1,603,847 were represented in person or by proxy, establishing a quorum. Shareholders also approved the ratification of S.R. Snodgrass, P.C. as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2026.