Quaint Oak Bancorp (QNTO) files 8-K on Q4 2025 results release

Rhea-AI Filing Summary

Quaint Oak Bancorp, Inc. filed a current report to note that it has reported its results of operations for the fourth quarter ended December 31, 2025. The company released these results in a press release dated February 2, 2026, which is attached to the report as Exhibit 99.1 and incorporated by reference.

The press release is being furnished to the SEC rather than formally filed, meaning it is provided for informational purposes under the disclosure rules for results of operations and financial condition.

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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)	February 2, 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 2.02         Results of Operations and Financial Condition

On February 2, 2026, Quaint Oak Bancorp, Inc. (the “Company”) reported its results of operations for the fourth quarter ended December 31, 2025.

For additional information, reference is made to the Company’s press release dated February 2, 2026, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto. The press release attached hereto is being furnished to the SEC and shall not be deemed to be “filed” for any purpose except as otherwise provided herein.

Item 9.01         Financial Statements and Exhibits

(a)	Not applicable.
(b)	Not applicable.
(c)	Not applicable.
(d)	Exhibits

The following exhibit is included with this Report:

Exhibit Number		Description
99.1		Press release dated February 2, 2026
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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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: February 2, 2026	By:	/s/ John J. Augustine
		John J. Augustine
		Executive Vice President and Chief Financial Officer

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FAQ

What did Quaint Oak Bancorp (QNTO) disclose in this 8-K filing?

Quaint Oak Bancorp disclosed that it reported results of operations for the fourth quarter ended December 31, 2025. The details appear in a February 2, 2026 press release attached as Exhibit 99.1 and incorporated by reference.

Which period do Quaint Oak Bancorp (QNTO) results in this 8-K cover?

The 8-K covers fourth quarter 2025 results, specifically for the quarter ended December 31, 2025. The company references a February 2, 2026 press release where the full operating results for that period are presented.

How did Quaint Oak Bancorp (QNTO) provide its Q4 2025 results to investors?

Quaint Oak Bancorp provided Q4 2025 results through a press release dated February 2, 2026. That press release is attached to the 8-K as Exhibit 99.1 and is incorporated by reference into the current report.

Is the Quaint Oak Bancorp (QNTO) Q4 2025 press release filed or furnished?

The press release is being furnished to the SEC rather than treated as filed. This means it accompanies the current report for disclosure under results of operations rules without all legal effects of a filed document.

What exhibits are included with Quaint Oak Bancorp (QNTO) February 2, 2026 8-K?

The 8-K includes Exhibit 99.1, a press release dated February 2, 2026, presenting Q4 2025 results. It also includes Exhibit 104, the cover page interactive data file embedded within the Inline XBRL document.