Which regulators terminated Consent Orders against Quaint Oak Bank (QNTO)?

The Federal Deposit Insurance Corporation and the Commonwealth of Pennsylvania Department of Banking and Securities’ Bureau of Bank Supervision terminated their Consent Orders. Both regulators issued termination documents dated March 30, 2026, removing the prior formal enforcement actions against Quaint Oak Bank’s operations.

What issues did the terminated Consent Orders for QNTO primarily address?

The terminated Consent Orders primarily addressed Quaint Oak Bank’s Bank Secrecy Act compliance program. The company states it implemented substantial enhancements in financial crime management and third-party risk oversight as part of remediation, improving its overall control environment and regulatory compliance posture.

How did remediation of the Consent Orders affect QNTO’s short-term performance?

Quaint Oak Bancorp states that dedicating significant resources to comply with the Consent Orders adversely affected short-term financial performance. The company had to prioritize remediation activities over other initiatives, which likely increased expenses or diverted staff away from revenue-generating and growth-focused projects during that period.

What is Quaint Oak Bancorp’s strategic focus after the Consent Orders ended?

Following completion of remediation and termination of the Consent Orders on March 30, 2026, Quaint Oak Bancorp reports it has resumed full focus on executing its strategic initiatives. Management emphasizes that the strengthened compliance framework will support future operational initiatives and ongoing business growth efforts.

How long did Quaint Oak Bank take to resolve the Consent Orders?

Quaint Oak Bank resolved the Consent Orders in about ten months. The original Consent Orders were issued May 15, 2025, and the FDIC and Pennsylvania Bureau of Bank Supervision issued termination orders dated March 30, 2026, affirming successful remediation of Bank Secrecy Act compliance deficiencies.

Regulators end Quaint Oak Bancorp (QNTO) BSA Consent Orders after remediation

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

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.

Positive

Termination of regulatory Consent Orders: FDIC and Pennsylvania banking regulators ended the May 15, 2025 Consent Orders on March 30, 2026, confirming successful remediation of Bank Secrecy Act compliance issues and reducing regulatory overhang on Quaint Oak Bank.

Negative

None.

Insights

Termination of prior BSA-related Consent Orders reduces regulatory overhang for Quaint Oak Bancorp.

Quaint Oak Bank has received formal termination of the May 15, 2025 Consent Orders from both the FDIC and Pennsylvania’s Bureau of Bank Supervision. These orders focused on the Bank Secrecy Act compliance program, so their closure indicates regulators now view remediation efforts as satisfactory.

The company highlights substantial upgrades to financial crime management and third-party risk oversight, which should strengthen its control environment. Management also acknowledges that meeting the Consent Orders’ requirements weighed on short-term financial performance as resources were redirected to compliance.

With remediation completed and the orders terminated on March 30, 2026, the Company states it has resumed full focus on strategic initiatives. Future financial disclosures will show whether earnings recover as compliance-related expenses normalize after this intensive remediation period.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Consent Orders issuance date: May 15, 2025 Termination date of Consent Orders: March 30, 2026 Remediation duration: approximately ten months

3 metrics

Consent Orders issuance date May 15, 2025 Date original regulatory Consent Orders were issued

Termination date of Consent Orders March 30, 2026 FDIC and Pennsylvania Bureau issued termination orders

Remediation duration approximately ten months Time from Consent Orders to termination

Key Terms

Consent Orders, Bank Secrecy Act compliance program, financial crime management, third-party risk oversight, +1 more

5 terms

Bank Secrecy Act compliance program regulatory

"primarily related to the Bank’s Bank Secrecy Act compliance program"

financial crime management financial

"enhancements to its compliance framework, including financial crime management and third-party risk oversight"

third-party risk oversight financial

"including financial crime management and third-party risk oversight that has strengthened the Company’s control environment"

Bureau of Bank Supervision regulatory

"Commonwealth of Pennsylvania, Department of Banking and Securities, Bureau of Bank Supervision"

Understanding 8-K Material Events →

04/02/2026 - 04:25 PM

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)	March 30, 2026

QUAINT OAK BANCORP, INC.
(Exact name of registrant as specified in its charter)

Pennsylvania	000-52694	35-2293957
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

501 Knowles Avenue, Southampton, Pennsylvania	18966
(Address of principal executive offices)	(Zip Code)

Registrant's telephone number, including area code	(215) 364-4059

Not Applicable
(Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None

Title of each Class	Trading Symbol(s)	Name of each exchange on which registered

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01. Other Events.

On March 30, 2026, Quaint Oak Bank (the “Bank”), a wholly owned subsidiary of Quaint Oak Bancorp, Inc. (the “Company”), received notification from the Federal Deposit Insurance Corporation (the “FDIC”) and the Commonwealth of Pennsylvania, Department of Banking and Securities, Bureau of Bank Supervision (the “Bureau”), of the termination of the May 15, 2025 Consent Orders issued by each of the FDIC and the Bureau, primarily related to the Bank’s Bank Secrecy Act compliance program.

The termination affirms the Bank’s successful resolution of the Consent Orders within approximately ten months. During the remediation period, the Bank implemented substantial enhancements to its compliance framework, including financial crime management and third-party risk oversight that has strengthened the Company’s control environment and will support future operational initiatives. This dedication of significant resources to meeting the requirements of the Consent Orders adversely affected the Company’s short-term financial performance. With the remediation completed, the Company has resumed full focus on executing its strategic initiatives.

Item 9.01		Financial Statements and Exhibits.
(a)		Not applicable.

(b)		Not applicable.

(c)		Not applicable.

(d)		Exhibits

The following exhibits are included with this Report:

Exhibit Number		Description
99.1		Order Terminating Consent Order of the Federal Deposit Insurance Corporation, dated March 30, 2026
99.2		Termination Order of the Commonwealth of Pennsylvania, Department of Banking and Securities, Bureau of Bank Supervision, dated March 30, 2026
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

		QUAINT OAK BANCORP, INC.



Date: April 2, 2026	By:	/s/ Robert T. Strong
	Name:	Robert T. Strong
	Title:	Chief Executive Officer

Exhibit 99.1

FEDERAL DEPOSIT INSURANCE CORPORATION

WASHINGTON, D.C.

	)
In the Matter of	)	ORDER TERMINATING
	)	CONSENT ORDER
QUAINT OAK BANK	)
SOUTHAMPTON, PENNSYLVANIA	)	FDIC-24-0l 19b
	)
(INSURED STATE NONMEMBER BANK)	)
	)

IT IS HEREBY ORDERED, that the Consent Order issued on May 15, 2025 against

Quaint Oak Bank, Southampton, Pennsylvania, pursuant to section 8(b) of the Federal Deposit

Insurance Act, 12 U.S.C. § 1818(b), be, and hereby is, terminated.

Pursuant to delegated authority.

Dated this 30th day of March, 2026.



		Mary A. Barry
		Regional Director
		New York Region
		Federal Deposit Insurance Corporation

Exhibit 99.2

COMMONWEALTH OF PENNSYLVANIA

DEPARTMENT OF BANKING AND SECURITIES

	:
Commonwealth Of Pennsylvania	:	Docket No.: 250020 (ENF-ORD)
Department of Banking and Securities	:
Bureau of Bank Supervision,	:
	:
v.	:
	:
Quaint Oak Bank	:
	:

TERMINATION ORDER

IT IS HEREBY ORDERED that the Consent Order issued May 15, 2025, against

Quaint Oak Bank is terminated pursuant to Section 501.A of the Department of Banking and

Securities Code, 71 P.S. § 501.A and Paragraph X of the Consent Order.



Dated: March 30, 2026	By:

		Robert C. Lopez, Director Bureau of Bank Supervision Commonwealth of Pennsylvania Department of Banking and Securities 17 North Second Street, Suite 1300 Harrisburg, PA 17101

Source: View Original Filing on SEC EDGAR

FAQ

What did Quaint Oak Bancorp (QNTO) announce regarding its regulatory status?

Quaint Oak Bancorp announced that Quaint Oak Bank received formal notices on March 30, 2026 terminating the May 15, 2025 Consent Orders from the FDIC and Pennsylvania banking regulators, confirming successful remediation of previously identified Bank Secrecy Act compliance issues and related controls.

Filing Exhibits & Attachments

6 documents

Regulators end Quaint Oak Bancorp (QNTO) BSA Consent Orders after remediation