Quaint Oak Bancorp insider buys 489 shares

Quaint Oak Bancorp, Inc. director and President William R. Gonzalez reported an open-market purchase of 489 shares of Common Stock on August 6, 2026 at $14.25 per share through a 401(k) Plan, bringing that indirect 401(k) holding to 19,283.1200 shares.

Rhea-AI Filing Summary

Quaint Oak Bancorp, Inc. director and President William R. Gonzalez reported an open-market purchase of 489 shares of Common Stock on August 6, 2026 at $14.25 per share through a 401(k) Plan, bringing that indirect 401(k) holding to 19,283.1200 shares. He also reports direct ownership of 16,054.0000 shares of Common Stock, as well as indirect holdings of 13,090.8859 shares through an ESOP and 1,203.1249 shares through his spouse’s ESOP. In addition, he holds employee stock options over 11,220, 7,000, and 15,000 shares of Common Stock at exercise prices of $13.30, $10.15, and $18.00, respectively, with vesting terms described in the company’s 2023 Stock Incentive Plan.

Insider Trade Summary

Net Buyer: 489 shares

Net Buy 7 txns

Insider GONZALEZ WILLIAM R

Role President***

Bought 489 shs ($7K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F1	489	$14.25	$7K
holding	Employee Stock Option (Right to Buy) F3	--	--	--
holding	Employee Stock Option (Right to Buy) F4	--	--	--
holding	Employee Stock Option (Right to Buy) F5	--	--	--
holding	Common Stock F2	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 19,283.12 shares (Indirect, By 401(k) Plan); Employee Stock Option (Right to Buy) — 33,220 contracts (Direct); Common Stock — 16,054 shares (Direct); Common Stock — 13,090.8859 shares (Indirect, By ESOP); Common Stock — 1,203.1249 shares (Indirect, By spouse through ESOP)

Footnotes (5)

1. F1. Includes shares acquired in the Issuer's 401(k) Plan since the last filed Form 4. Based on a report dated August 6, 2026.
2. F2. 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 1,800 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. F3. 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. F4. The options are vesting at a rate of 20% per year commencing on September 5, 2026.
5. F5. The options are vesting at a rate of 20% per year commencing May 10, 2024.

Key Figures

Shares purchased: 489 shares Purchase price: $14.25 per share 401(k) holding after purchase: 19,283.1200 shares +5 more

8 metrics

Shares purchased 489 shares Common Stock bought on August 6, 2026

Purchase price $14.25 per share Open-market or private transaction for Common Stock

401(k) holding after purchase 19,283.1200 shares Indirect ownership by 401(k) Plan after August 6, 2026 transaction

Direct Common Stock holding 16,054.0000 shares Direct ownership of Common Stock as reported

ESOP holding 13,090.8859 shares Indirect ownership by ESOP

Spouse ESOP holding 1,203.1249 shares Indirect ownership by spouse through ESOP

Option strike prices $13.30, $10.15, $18.00 Employee stock options (Rights to Buy) for Common Stock

Option underlying shares 11,220; 7,000; 15,000 shares Underlying Common Stock for three option grants

Key Terms

Employee Stock Option (Right to Buy), ESOP, 401(k) Plan, 2023 Stock Incentive Plan

4 terms

Employee Stock Option (Right to Buy) financial

"security_title: Employee Stock Option (Right to Buy)"

ESOP financial

"nature_of_ownership: By ESOP"

An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.

401(k) Plan financial

"nature_of_ownership: By 401(k) Plan"

A 401(k) plan is a workplace retirement account that lets employees set aside part of their pay into a tax-advantaged savings pot, often with employers adding matching contributions — like a workplace piggy bank for future income. It matters to investors because the amount people save and how employers fund these plans influence consumer spending, corporate payroll costs and the flow of money into financial markets, which can affect stock prices and company valuations.

2023 Stock Incentive Plan financial

"granted pursuant to the Issuer's 2023 Stock Incentive Plan"

FAQ

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

What insider transaction did QNTO report for William R. Gonzalez?

William R. Gonzalez reported buying 489 shares of Quaint Oak Bancorp Common Stock on August 6, 2026 at $14.25 per share through a 401(k) Plan, increasing his indirect retirement-plan holdings.

How many Quaint Oak Bancorp (QNTO) shares does Gonzalez now hold directly and indirectly?

Gonzalez reports 16,054.0000 shares held directly, 19,283.1200 shares indirectly via a 401(k) Plan, 13,090.8859 shares via an ESOP, and 1,203.1249 shares via his spouse’s ESOP.

What stock options does Gonzalez hold in Quaint Oak Bancorp (QNTO)?

He holds employee stock options over 11,220, 7,000, and 15,000 QNTO shares at exercise prices of $13.30, $10.15, and $18.00, with vesting schedules described in related footnotes.

Was the QNTO insider share change a net buy or sell for Gonzalez?

The Form 4 reflects a net-buy change, with 489 shares purchased and no reported share sales, according to the filing’s transaction summary for this date.

How are Gonzalez’s QNTO 401(k) holdings described?

His 401(k) holdings include shares acquired in Quaint Oak Bancorp’s 401(k) Plan since the last Form 4, based on a report dated August 6, 2026, totaling 19,283.1200 shares after the purchase.

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

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Available on EDGAR 08/11/2026 - 02:53 PM Accepted by SEC EDGAR 08/11/2026 - 02:52 PM Learn about SEC filing dates

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 PENNSYLVANIA 18966

(City) (State) (Zip)

UNITED STATES

(Country)

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***

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/06/2026

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

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

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

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	08/06/2026	08/11/2026	P		489	A	$14.25	19,283.12(1)	I	By 401(k) Plan
Common Stock								16,054(2)	D
Common Stock								13,090.8859	I	By ESOP
Common Stock								1,203.1249	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 August 6, 2026.

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 1,800 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.

Remarks:

*** Also serves as President and Chief Operating Officer of the Issuer's wholly owned subsidiary, Quaint Oak Bank.

	/s/ William R. Gonzalez	08/11/2026
	** 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.
* Form 4: SEC 1474 (03-26)