Quaint Oak Bancorp (QNTO) director James J. Clarke adds to shareholdings in latest Form 4

Rhea-AI Filing Summary

Quaint Oak Bancorp director James J. Clarke reported buying additional common stock on February 5, 2026. He purchased 200 shares at $12.74 per share and 1,150 shares at $12.75 per share, increasing his directly held position to 70,690 common shares.

These holdings include 600 unvested shares granted under the company’s 2023 Stock Incentive Plan and tens of thousands of shares held jointly with his spouse, as described in the footnotes. Clarke also holds vested options for 100 shares at $13.30 exercisable through May 9, 2028 and options for 5,000 shares at $18.00 vesting 20% per year starting May 10, 2024 and expiring on May 10, 2033.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

CLARKE JAMES J

(Last) (First) (Middle)

C/O QUAINT OAK BANCORP, INC.

501 KNOWLES AVENUE

(Street)

SOUTHAMPTON PA 18966

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
QUAINT OAK BANCORP, INC. [ QNTO ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
02/05/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/05/2026		P		200	A	$12.74	69,540(1)	D
Common Stock	02/05/2026		P		1,150	A	$12.75	70,690(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (Right to Buy)	$13.3							05/09/2023(3)	05/09/2028	Common Stock	100		100	D
Stock Option (Right to Buy)	$18							(4)	05/10/2033	Common Stock	5,000		5,000	D

Explanation of Responses:

1. Includes 600 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan which reflect the unvested portion of a grant amount originally covering 1,000 shares that commenced vesting ratably over five years at 20% per year on May 10, 2024 and includes 34,100 shares held jointly with the reporting person's spouse.

2. Includes 600 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan which reflect the unvested portion of a grant amount originally covering 1,000 shares that commenced vesting ratably over five years at 20% per year on May 10, 2024 and includes 35,250 shares held jointly with the reporting person's spouse.

3. The options vested at a rate of 20% per year commencing on May 9, 2019 and were fully vested as of May 9, 2023.

4. The options are vesting at a rate of 20% per year commencing on May 10, 2024.

	/s/ John J. Augustine as P.O.A. for James J. Clarke	02/05/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did QNTO director James J. Clarke report?

Director James J. Clarke reported buying additional Quaint Oak Bancorp common stock. On February 5, 2026, he purchased 200 shares at $12.74 and 1,150 shares at $12.75, modestly increasing his direct ownership stake in the company.

How many Quaint Oak Bancorp (QNTO) shares does James J. Clarke now own?

After the reported trades, James J. Clarke directly holds 70,690 Quaint Oak Bancorp common shares. This total includes 600 unvested shares from the 2023 Stock Incentive Plan and a substantial number of shares held jointly with his spouse, as detailed in the footnotes.

At what prices did QNTO director James J. Clarke buy shares on February 5, 2026?

On February 5, 2026, James J. Clarke reported two purchases of Quaint Oak Bancorp common stock. He acquired 200 shares at $12.74 per share and 1,150 shares at $12.75 per share, reflecting closely grouped purchase prices on the same trading date.

What stock options does James J. Clarke hold in Quaint Oak Bancorp (QNTO)?

James J. Clarke holds options to buy 100 Quaint Oak Bancorp shares at $13.30, fully vested and expiring May 9, 2028, plus options for 5,000 shares at $18.00, vesting 20% annually starting May 10, 2024 and expiring May 10, 2033.

What are the key vesting details for James J. Clarke’s QNTO equity awards?

Clarke has 600 unvested shares from a 1,000‑share grant under the 2023 Stock Incentive Plan, vesting 20% per year from May 10, 2024. He also holds 5,000 options at $18.00, vesting 20% annually from the same date until fully vested.

Is James J. Clarke considered an insider at Quaint Oak Bancorp (QNTO)?

Yes. The filing identifies James J. Clarke as a director of Quaint Oak Bancorp. Directors are considered insiders under U.S. securities rules and must report transactions in company securities on forms such as Form 4, as he has done here.