Quaint Oak Bancorp names Ray Greenberg to board

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.

Rhea-AI Filing Summary

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.

8-K Event Classification

2 items: 5.02, 9.01

2 items

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers Governance

Key personnel changes including departures, elections, or appointments of directors and executive officers.

Item 9.01 Financial Statements and Exhibits Exhibits

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

Key Figures

Appointment effective date: September 9, 2026 Director term end: 2029 annual meeting of shareholders Bank board service start year: 2016 +2 more

5 metrics

Appointment effective date September 9, 2026 Date Ray S. Greenberg was appointed as a director and to the Audit Committee

Director term end 2029 annual meeting of shareholders Scheduled expiration of Ray S. Greenberg’s initial term as company director

Bank board service start year 2016 Year Ray S. Greenberg began serving on Quaint Oak Bank’s board of directors

Advisory board service period May 2017 to September 2026 Period Ray S. Greenberg served as an advisory board member of the company

Certified Financial Planner since 1990 Year from which Ray S. Greenberg has held the Certified Financial Planner designation

Key Terms

Audit Committee, Item 404(a) of Regulation S‑K, Item 401(d) of Regulation S‑K, Certified Financial Planner

4 terms

Audit Committee financial

"Effective September 9, 2026, Mr. Greenberg was appointed to the Company’s Audit Committee"

A company's audit committee is a small group of board members who act like independent inspectors for the firm's finances, overseeing how financial reports are prepared, monitoring internal controls, and managing the relationship with external auditors. Investors care because a strong audit committee reduces the risk of accounting errors, fraud, or misleading statements, making financial statements more trustworthy and helping protect shareholder value.

Item 404(a) of Regulation S‑K regulatory

"Mr. Greenberg is not a party to any transaction, and there are no currently proposed transactions, requiring disclosure under Item 404(a) of Regulation S‑K"

Item 401(d) of Regulation S‑K regulatory

"There are no family relationships ... required to be disclosed pursuant to Item 401(d) of Regulation S‑K"

Certified Financial Planner financial

"He has held the Certified Financial Planner designation since 1990"

A certified financial planner is a professional who has passed a standardized exam, met experience and ethical requirements, and is trained to create comprehensive money plans covering investing, retirement, taxes, insurance and estate matters. Investors benefit because a certified planner acts like a financial coach or navigator, helping set realistic goals, design an investment approach aligned with risk tolerance, and keep decisions on track—reducing costly mistakes and improving long-term outcomes.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What board change did QNTO announce on September 9, 2026?

Quaint Oak Bancorp announced that Ray S. Greenberg, CFP, was appointed as a director of the company effective September 9, 2026, with an initial term expiring at the company’s 2029 annual meeting of shareholders.

What is Ray S. Greenberg’s background relevant to QNTO?

Ray S. Greenberg, CFP, has served on the board of Quaint Oak Bank, the company’s wholly owned subsidiary, since 2016 and was an advisory board member of the company from May 2017 to September 2026. He owns Financial Expertise, a financial planning sole proprietorship.

Which committees will Ray S. Greenberg serve on at Quaint Oak Bancorp (QNTO)?

Effective September 9, 2026, Ray S. Greenberg was appointed to the company’s Audit Committee. He also serves on the bank board’s Directors’ Compliance Oversight Committee, Loan Committee and Pandemic Committee, and chairs each of those bank committees.

Are there any related-party arrangements involving Ray S. Greenberg and QNTO?

Quaint Oak Bancorp states there are no arrangements or understandings with any other person pursuant to which Ray S. Greenberg was selected as a director and no transactions requiring disclosure under Item 404(a) of Regulation S‑K.

Does Ray S. Greenberg have family relationships with QNTO executives or directors?

The company discloses that there are no family relationships between Ray S. Greenberg and any director or executive officer of Quaint Oak Bancorp or Quaint Oak Bank that require disclosure under Item 401(d) of Regulation S‑K.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/10/2026 - 01:37 PM Accepted by SEC EDGAR 09/10/2026 - 01:37 PM Learn about SEC filing dates

false 0001391933 0001391933 2026-09-09 2026-09-09

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)	September 9, 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		5.02	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.
		(a)	Not applicable.
		(b)	Not applicable.
		(c)	Not applicable.
		(d)	On September 9, 2026, the Board of Directors (the “Board”) of Quaint Oak Bancorp, Inc. (the “Company”) appointed Mr. Ray S. Greenberg, CFP, to serve as a director of the Company effective September 9, 2026.  Mr. Greenberg’s initial term will expire at the Company’s 2029 annual meeting of shareholders. Mr. Greenberg has served on the Board of Directors (the “Bank Board”) of Quaint Oak Bank (the “Bank”), the Company’s wholly owned subsidiary since 2016. Mr. Greenberg previously served as an Advisory Board Member of the Company from May 2017 to September 2026. Mr. Greenberg is the owner of Financial Expertise, a sole proprietorship based in Feasterville, Pennsylvania, where he provides financial planning and related services to individuals and small business owners. He has held the Certified Financial Planner designation since 1990 and brings decades of experience in financial services. Mr. Greenberg contributes financial expertise and governance oversight through his service on various committees. He has also been active in local business and community organizations, including leadership roles with the Feasterville and Southampton business associations.
			Effective September 9, 2026, Mr. Greenberg was appointed to the Company’s Audit Committee. Mr. Greenberg currently serves on the Bank Board’s Directors’ Compliance Oversight Committee, Loan Committee and Pandemic Committee and serves as Chair of each of such committees.
			There are no arrangements or understandings between Mr. Greenberg and any other person pursuant to which he was selected as a director of the Company.
			There are no family relationships between Mr. Greenberg and any director or executive officer of the Company or the Bank that are required to be disclosed pursuant to Item 401(d) of Regulation S‑K.
			Mr. Greenberg is not a party to any transaction, and there are no currently proposed transactions, requiring disclosure under Item 404(a) of Regulation S‑K.
		(e)	Not applicable.
		(f)	Not applicable.

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
	104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

2

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: September 9, 2026		By:	/s/ Robert T. Strong
			Robert T. Strong
			Chief Executive Officer

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Filing Exhibits & Attachments

4 documents

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA 3.5 KB
• EX-101 XBRL TAXONOMY EXTENSION DEFINITION LINKBASE 10.1 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE 13.5 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE 10.1 KB