Welcome to our dedicated page for Quaint Oak Bancorp SEC filings (Ticker: QNTO), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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. 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.
Quaint Oak Bancorp, Inc. Chief Executive Officer and director Robert T. Strong reported open-market purchases of common stock in November 2025. He bought 100 shares on 11/18/2025 at $10.25 per share and 900 shares on 11/19/2025 at $10.35 per share. After these transactions, he directly holds 205,608 shares, which include unvested grants under the 2023 Stock Incentive Plan and shares held jointly with his spouse. He also has indirect ownership of 22,742 shares through an IRA, 10,594.437 shares through a 401(k) plan, and 32,218.4863 shares through an ESOP. In addition, he holds employee stock options for 15,000 shares at $18 per share expiring 05/10/2033, 14,962 shares at $13.3 per share expiring 05/09/2028, and 2,500 shares at $10.15 per share expiring 09/05/2035, with vesting schedules at 20% per year.
Quaint Oak Bancorp (QNTO) reported a small Q3 2025 net loss from continuing operations of $41,000, or EPS $(0.02). For the first nine months, net income from continuing operations was $148,000 with EPS of $0.06.
Total assets were $677.1 million at September 30, 2025, compared with $685.2 million at December 31, 2024. Deposits totaled $554.2 million, including $76.1 million non‑interest bearing. Loans receivable, net, were $547.1 million with an allowance for credit losses of $6.492 million.
Q3 net interest income was $4.394 million, slightly above last year, while non‑interest income rose to $1.748 million and non‑interest expense increased to $5.728 million. Book value per share was $19.79. The company reported senior debt of $9.575 million and subordinated debt of $8.0 million, down from $22.0 million at year‑end. Deposit concentrations included five brokered checking customers representing about 7.4% of total deposits (about $40.9 million) and one money market customer at 6.3% (about $35.0 million) as of September 30, 2025.
Quaint Oak Bancorp (QNTO) CEO and Director Robert T. Strong reported open‑market purchases of common stock on 11/05/2025: 500 shares at $9.16 and 500 shares at $9.17. Following these trades, he directly beneficially owned 204,608 shares.
He also reported indirect holdings of 22,742 shares by IRA, 10,548.292 shares by 401(k) Plan, and 32,218.4863 shares by ESOP. Reported derivative holdings include employee stock options for 2,500 shares at $10.15 expiring 09/05/2035, 15,000 shares at $18 expiring 05/10/2033, and 14,962 shares at $13.3 expiring 05/09/2028, with vesting schedules as disclosed.
Quaint Oak Bancorp, Inc. filed a Form 8-K to report its results of operations and financial condition for the third quarter ended September 30, 2025. The company did this through a press release dated October 30, 2025, which is attached as Exhibit 99.1 and furnished, not filed, with the SEC.
Quaint Oak Bancorp, Inc. announced that its Board declared a quarterly cash dividend of $0.04 per share on October 8, 2025. The dividend will be paid on November 3, 2025 to shareholders of record as of October 20, 2025. The disclosure was furnished as a press release dated October 9, 2025 and is included as Exhibit 99.1; the company notes the press release is being furnished and not "filed" for SEC purposes. No other financial metrics, guidance, or additional corporate actions are disclosed in this filing.
Robert T. Strong, who serves as Chief Executive Officer and a director of Quaint Oak Bancorp, acquired equity and holds existing stock and option positions in the company. On 09/05/2025 he was reported as acquiring 500 shares under the company’s 2023 Stock Incentive Plan that vest 20% per year beginning 09/05/2026. His reported beneficial ownership after the transaction includes 203,608 shares held directly or jointly, plus indirect holdings of 22,742 shares via an IRA, 10,548.292 shares via the 401(k) plan, and 32,218.4863 shares via the ESOP. He also holds employee stock options: 2,500 options at $10.15 (expiring 09/05/2035), 15,000 options at $18 (expiring 05/10/2033), and 14,962 options at $13.30 (fully vested). Vesting schedules for the newly reported awards generally vest at 20% per year as disclosed.