Quaint Oak Bancorp, Inc. filings document formal disclosures for a bank holding company whose wholly owned subsidiary is Quaint Oak Bank. Recent Form 8-K reports cover results of operations, financial condition, quarterly cash dividends, bank regulatory matters, and amendments to the company’s bylaws, including provisions for book-entry shares.
The company’s proxy materials describe annual shareholder meeting matters, board governance, executive compensation and equity-related disclosures. Regulatory filings also record the termination of prior consent orders involving the Bank’s Bank Secrecy Act compliance program, along with related compliance, financial crime management and third-party risk oversight disclosures.
Quaint Oak Bancorp, Inc. reports on its 2025 performance as a Pennsylvania-based savings and loan holding company focused on commercial real estate and business lending. Total assets were $675.9 million, deposits $597.3 million, and stockholders’ equity $52.3 million, or 7.7% of assets, as of December 31, 2025.
Net loans were $540.7 million, about 80% of assets, led by commercial real estate at $309.7 million (56.7% of the loan portfolio) and commercial business loans at $96.3 million (17.6%). Loans held for sale totaled $61.0 million, mainly commercial real estate credits.
Credit quality metrics show non-performing assets of $7.7 million, equal to 1.14% of total assets, and an allowance for credit losses of $6.2 million, or 1.13% of total loans. The bank holds no FHLB or FRB borrowings and had uninsured deposits estimated at $244.3 million.
The company notes a high commercial real estate concentration of 591.9% of total capital and discloses 2025 adoption of new income tax disclosure standards. It also details substantially identical Bank Secrecy Act-related Consent Orders issued in 2025 that require enhancements to its anti-money-laundering and financial crimes compliance programs.
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.
Quaint Oak Bancorp, Inc. adopted amended and restated bylaws effective February 11, 2026. The changes clarify that when the Chief Executive Officer and President are different individuals, the Chief Executive Officer may preside over shareholder meetings, call special Board meetings, and sign stock certificates.
The amendments also remove the requirement to issue physical stock certificates, allowing all shares to be held in uncertificated, book‑entry form. Additional updates are described as technical and modernizing, such as deleting references to the first annual shareholder meeting and outdated communications methods for giving notices.
Quaint Oak Bancorp, Inc. Employee Stock Ownership Plan Trust reports beneficial ownership of 208,924 shares of Quaint Oak Bancorp, Inc. common stock, representing 7.9% of the class based on 2,637,978 shares issued and outstanding as of December 31, 2025.
The shares are held in an employee stock ownership plan with individual accounts for participating employees and beneficiaries. Participants generally direct how allocated shares are voted, while the Plan trustees, John J. Augustine and Aimee K. Ott, have shared voting and dispositive power over the 208,924 shares through the trust and vote unallocated shares proportionally, subject to fiduciary duties and law.
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.
Quaint Oak Bancorp, Inc. filed a current report to note that it has reported its results of operations for the fourth quarter ended December 31, 2025. The company released these results in a press release dated February 2, 2026, which is attached to the report as Exhibit 99.1 and incorporated by reference.
The press release is being furnished to the SEC rather than formally filed, meaning it is provided for informational purposes under the disclosure rules for results of operations and financial condition.
Quaint Oak Bancorp, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.04 per share on January 14, 2026. This payment provides shareholders with a cash return based on the number of shares they own.
The dividend will be paid on February 9, 2026 to shareholders who are on the company’s books as of the record date of January 26, 2026. These dates determine which investors qualify to receive the dividend and when they will receive the cash.
Quaint Oak Bancorp, Inc. insider trading report: The company’s Chief Executive Officer and director reported open-market purchases of common stock. On 12/10/2025, the insider bought 200 shares at a price of $10.30 per share, and on 12/12/2025, bought an additional 800 shares at $10.41 per share.
After these transactions, the insider beneficially owns 207,608 shares of common stock directly, alongside indirect holdings of 22,742 shares through an IRA, 10,594.437 shares through a 401(k) plan, and 32,218.4863 shares through an ESOP. The filing also lists employee stock options to purchase common stock, including 2,500 options at an exercise price of $10.15 vesting at 20% per year commencing on September 5, 2026, and 15,000 options at $18 and 14,962 options at $13.30 that follow stated vesting schedules.
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.
Quaint Oak Bancorp, Inc. reported insider share purchases by its Chief Executive Officer and director, Robert T. Strong. On December 4, 2025, he made two open-market purchases of 500 shares of common stock each at prices of $10.35 and $10.45 per share. After these transactions, he directly owned 206,608 shares of common stock, with additional indirect holdings through an IRA, a 401(k) plan, and the company’s ESOP. The filing also lists vested and unvested employee stock options with various exercise prices and vesting schedules under the 2023 Stock Incentive Plan.