Quaint Oak Bancorp (QNTO) president reports 401(k) stock purchase and option holdings

Rhea-AI Filing Summary

Quaint Oak Bancorp, Inc. insider activity: President and director William R. Gonzalez reported buying 528 shares of Quaint Oak Bancorp common stock on 12/05/2025 at $10.26 per share through the company 401(k) plan. After this transaction, he beneficially owned 18,701.259 shares through the 401(k) plan, 16,358 shares directly, 12,357.7326 shares through the ESOP, and 1,091.2944 shares through his spouse’s ESOP account.

He also reported outstanding employee stock options to buy 11,220 shares at $13.3 per share exercisable until 05/09/2028, 7,000 shares at $10.15 per share expiring 09/05/2035, and 15,000 shares at $18 per share expiring 05/10/2033, with vesting schedules described for each grant.

Insider Trade Summary

Net Buyer: 528 shares ($5,417)

Net Buy 7 txns

Insider GONZALEZ WILLIAM R

Role President

Bought 528 shs ($5K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	528	$10.26	$5K
holding	Employee Stock Option (Right to Buy)	--	--	--
holding	Employee Stock Option (Right to Buy)	--	--	--
holding	Employee Stock Option (Right to Buy)	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 18,701.259 shares (Indirect, By 401(k) Plan); Employee Stock Option (Right to Buy) — 11,220 shares (Direct); Common Stock — 16,358 shares (Direct)

Footnotes (1)

1. Includes shares acquired in the Issuer's 401(k) Plan since the last filed Form 4. Based on a report dated December 8, 2025. Includes 2,000 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026 and 2,700 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan which reflect the unvested portion of a grant amount originally covering 4,500 shares that commenced vesting at a rate of 20% per year on May 10, 2024. The options vested at a rate of 20% per year commencing on May 9, 2019 and were fully vested as of May 9, 2023. The options are vesting at a rate of 20% per year commencing on September 5, 2026. The options are vesting at a rate of 20% per year commencing May 10, 2024.

Form 4 Insider Transactions: What Each Field Means →

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
Estimated average burden
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^*

GONZALEZ WILLIAM R

(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
X	Officer (give title below)		Other (specify below)
	President

3. Date of Earliest Transaction (Month/Day/Year)
12/05/2025

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	12/05/2025		P		528	A	$10.26	18,701.259(1)	I	By 401(k) Plan
Common Stock								16,358(2)	D
Common Stock								12,357.7326	I	By ESOP
Common Stock								1,091.2944	I	By spouse through ESOP

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
Employee Stock Option (Right to Buy)	$13.3							05/09/2023(3)	05/09/2028	Common Stock	11,220		11,220	D
Employee Stock Option (Right to Buy)	$10.15							(4)	09/05/2035	Common Stock	7,000		7,000	D
Employee Stock Option (Right to Buy)	$18							(5)	05/10/2033	Common Stock	15,000		15,000	D

Explanation of Responses:

1. Includes shares acquired in the Issuer's 401(k) Plan since the last filed Form 4. Based on a report dated December 8, 2025.

2. Includes 2,000 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026 and 2,700 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan which reflect the unvested portion of a grant amount originally covering 4,500 shares that commenced vesting at a rate of 20% per year on May 10, 2024.

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 September 5, 2026.

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

	/s/ William R. Gonzalez	12/09/2025
	** 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 president William R. Gonzalez report?

William R. Gonzalez reported purchasing 528 shares of Quaint Oak Bancorp common stock on 12/05/2025 at $10.26 per share through the company 401(k) plan.

What is William R. Gonzalez’s role at Quaint Oak Bancorp (QNTO)?

William R. Gonzalez is reported as both a director and an officer of Quaint Oak Bancorp, Inc., serving as the company’s President.

How many Quaint Oak Bancorp (QNTO) shares does Gonzalez beneficially own after the transaction?

After the reported transaction, Gonzalez beneficially owns 18,701.259 shares through the 401(k) plan, 16,358 shares directly, 12,357.7326 shares through the ESOP, and 1,091.2944 shares through his spouse’s ESOP account.

What stock option grants does William R. Gonzalez hold in QNTO?

He holds employee stock options to buy 11,220 shares at $13.3 per share expiring on 05/09/2028, 7,000 shares at $10.15 per share expiring on 09/05/2035, and 15,000 shares at $18 per share expiring on 05/10/2033.

How do Gonzalez’s Quaint Oak Bancorp (QNTO) options vest?

One option grant vested at 20% per year starting 05/09/2019 and was fully vested by 05/09/2023. Other grants vest at 20% per year commencing on 05/10/2024 and 09/05/2026, as described for each award.

Does this Form 4 filing involve both direct and indirect ownership of QNTO shares?

Yes. Gonzalez reports direct ownership of Quaint Oak Bancorp shares and indirect ownership through a 401(k) plan, the ESOP, and his spouse’s ESOP account.