Quaint Oak (QNTO) CEO adds 2,500 shares through stock option exercise

Rhea-AI Filing Summary

Quaint Oak Bancorp Chief Executive Officer Robert T. Strong exercised employee stock options to acquire 2,500 shares of common stock at $13.30 per share on February 27, 2026. This was reported as an exercise or conversion of a derivative security, not an open-market purchase.

After the transaction, his directly held common stock increased to 210,108 shares, with 12,462 derivative (option) shares reported as remaining. Additional indirect common stock holdings are reported through a 401(k) plan, an IRA, and an ESOP.

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

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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^*

STRONG ROBERT T

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

3. Date of Earliest Transaction (Month/Day/Year)
02/27/2026

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	02/27/2026		M		2,500	A	$13.3	210,108(1)	D
Common Stock								10,700.651(2)	I	By 401(k) Plan
Common Stock								22,742	I	By IRA
Common Stock								32,218.4863	I	By 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 Stock (Right to Buy)	$13.3	02/27/2026		M			2,500	05/09/2023(3)	05/09/2028	Common Stock	2,500	$0	12,462	D
Employee Stock Option (Right to Buy)	$10.15							(4)	09/05/2035	Common Stock	2,500		2,500	D
Employee Stock Option (Right to Buy)	$18							(5)	05/10/2033	Common Stock	15,000		15,000	D

Explanation of Responses:

1. Includes 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, 500 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 206,908 shares held jointly with the reporting person's spouse.

2. Based on a report dated February 27, 2026.

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 on May 10, 2024.

	/s/ Robert T. Strong	03/02/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did QNTO CEO Robert T. Strong report?

Robert T. Strong reported exercising employee stock options to acquire 2,500 Quaint Oak Bancorp common shares at $13.30 per share. The transaction is classified as an exercise or conversion of a derivative security, rather than an open-market purchase or sale of shares.

How many QNTO common shares does the CEO hold directly after this filing?

Following the option exercise, Robert T. Strong holds 210,108 Quaint Oak Bancorp common shares directly. The filing also reports remaining derivative (option) holdings of 12,462 shares, plus additional indirect ownership through retirement and employee stock ownership arrangements.

Was this QNTO insider transaction a buy or sell in the market?

The transaction was an option exercise to acquire shares, not an open-market buy or sell. It is coded as an exercise or conversion of a derivative security, meaning previously granted options were converted into common stock at a stated exercise price.

What price per share was used in the QNTO CEO’s option exercise?

The 2,500 Quaint Oak Bancorp common shares were acquired at an exercise price of $13.30 per share. This price reflects the terms of the employee stock option grant, rather than a contemporaneous market purchase on a stock exchange.

What indirect QNTO holdings are reported for the CEO in this filing?

Indirect holdings include common stock held by a 401(k) plan, an IRA, and an employee stock ownership plan. The filing lists separate share totals for each of these accounts, reflecting beneficial ownership beyond the CEO’s directly held common stock position.

Do the QNTO option-related footnotes provide vesting details?

Yes. Footnotes describe vesting schedules for stock options and stock incentive plan grants, including tranches vesting at 20% per year starting on specific dates. They also note that certain options became fully vested by May 9, 2023, clarifying when exercises became permissible.