Quaint Oak Bancorp (QNTO) ESOP Trust reports 7.9% beneficial stake in company shares

Rhea-AI Filing Summary

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.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 18)

QUAINT OAK BANCORP, INC.

(Name of Issuer)

Common Stock, Par Value $.01 Per Share

(Title of Class of Securities)

74732T106

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 74732T106

1

Names of Reporting Persons

QUAINT OAK BANCORP, INC. EMPLOYEE STOCK OWNERSHIP PLAN TRUST

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

PENNSYLVANIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 208,924.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 208,924.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

208,924.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

7.9 %

12

Type of Reporting Person (See Instructions)

EP

SCHEDULE 13G

Item 1.
(a)	Name of issuer: QUAINT OAK BANCORP, INC.
(b)	Address of issuer's principal executive offices: 501 KNOWLES AVENUE, SOUTHAMPTON, PENNSYLVANIA, 18966.
Item 2.
(a)	Name of person filing: Quaint Oak Bancorp, Inc. Employee Stock Ownership Plan Trust (Plan Trust)
(b)	Address or principal business office or, if none, residence: Quaint Oak Bank, 501 Knowles Avenue, Southampton, Pennsylvania 18966
(c)	Citizenship: Pennsylvania
(d)	Title of class of securities: Common Stock, Par Value $.01 Per Share
(e)	CUSIP No.: 74732T106
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 208,924 The reporting person is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended, with individual accounts for the benefit of participating employees and their beneficiaries. The reporting person's assets are held in trust by trustees, Aimee K. Ott and John J. Augustine ("Plan Trustees"). The number of shares listed as beneficially owned represents the entire number of shares of Common Stock held by the Plan Trust, as of December 31, 2025. As of December 31, 2025, the 208,924 shares of Common Stock were allocated to individual accounts established for participating employees and their beneficiaries. In general, participating employees and their beneficiaries have the power and authority to direct the voting of shares of Common Stock allocated to their individual accounts through the Plan Trustees, who have shared voting power over the allocated Common Stock. Unallocated Common Stock, if any, is generally required to be voted by the Plan Trustees for or against proposals to shareholders in the same proportion as the shares of Common Stock which have been allocated to the accounts of individual participants and beneficiaries are actually voted thereby, subject in each case to the fiduciary duties of the Plan Trustees and applicable law.
(b)	Percent of class: 7.9% (based on 2,637,978 shares issued and outstanding as of December 31, 2025)
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 208,924
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 208,924
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. Dividends on Common Stock allocated to the accounts of participating employees and their beneficiaries, to the extent paid in the form of additional securities, are added to their respective individual accounts. Dividends on Common Stock allocated to the accounts of participating employees and their beneficiaries, to the extent paid in cash, are, at the direction of the Plan Administrator, either (i) credited to the respective individual accounts, (ii) paid to the participant or beneficiary or (iii) used to pay principal and interest on outstanding indebtedness incurred by the reporting person to acquire Common Stock.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	If a group has filed this schedule pursuant to §240.13d-1(b)(1)(ii)(J), so indicate under Item 3(j) and attach an exhibit stating the identity and Item 3 classification of each member of the group. If a group has filed this schedule pursuant to §240.13d-1(c) or §240.13d-1(d), attach an exhibit stating the identity of each member of the group. Not applicable since the reporting entity is not a member of a group.
Item 9.	Notice of Dissolution of Group.
	Notice of dissolution of a group may be furnished as an exhibit stating the date of the dissolution and that all further filings with respect to transactions in the security reported on will be filed, if required, by members of the group, in their individual capacity. See Item 5. Not applicable since the reporting entity is not a member of a group.

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

QUAINT OAK BANCORP, INC. EMPLOYEE STOCK OWNERSHIP PLAN TRUST

Signature:	/s/ John J. Augustine
Name/Title:	John J. Augustine, Trustee
Date:	02/10/2026

Signature:	/s/ Aimee K. Ott
Name/Title:	Aimee K. Ott, Trustee
Date:	02/10/2026

Comments accompanying signature: This report is not an admission that the Plan Trustees are the beneficial owners of any securities covered by this report, and the Plan Trustees expressly disclaim beneficial ownership of all shares reported herein pursuant to Rule 13d-4, other than shares allocated to the individual accounts of the Plan Trustees, as applicable, over which they have voting power.

FAQ

What percentage of Quaint Oak Bancorp (QNTO) does the ESOP Trust own?

The Employee Stock Ownership Plan Trust beneficially owns 7.9% of Quaint Oak Bancorp’s common stock. This is based on 208,924 shares held by the Plan compared with 2,637,978 shares issued and outstanding as of December 31, 2025.

How many Quaint Oak Bancorp (QNTO) shares are held by the ESOP Trust?

The ESOP Trust holds 208,924 shares of Quaint Oak Bancorp common stock. These shares are allocated to individual accounts for employees and beneficiaries as of December 31, 2025, and are voted and administered according to plan and fiduciary rules.

Who controls voting of Quaint Oak Bancorp (QNTO) shares in the ESOP Trust?

Voting power is generally directed by participating employees and beneficiaries for shares allocated to their accounts. Plan trustees John J. Augustine and Aimee K. Ott hold shared voting and dispositive power and vote any unallocated shares proportionally, subject to fiduciary duties.

How is the ESOP Trust’s 7.9% ownership in QNTO calculated?

The reported 7.9% ownership is calculated from 208,924 shares held by the ESOP Trust divided by 2,637,978 shares of Quaint Oak Bancorp common stock issued and outstanding as of December 31, 2025, as disclosed in the ownership section.

Do the ESOP trustees personally own the Quaint Oak Bancorp (QNTO) shares reported?

The trustees specifically disclaim beneficial ownership of the shares reported, except for any shares allocated to their own individual accounts. The securities are held by the Employee Stock Ownership Plan Trust on behalf of participating employees and beneficiaries under Rule 13d-4.

How are dividends on QNTO shares handled for ESOP participants?

Dividends on allocated shares may be paid as additional securities or cash. Cash dividends can be credited to participant accounts, paid directly, or used to repay indebtedness incurred by the ESOP Trust to acquire Quaint Oak Bancorp common stock, as directed by the Plan Administrator.

Is the ESOP Trust trying to influence control of Quaint Oak Bancorp (QNTO)?

The certification states the securities were acquired and are held in the ordinary course of business, not for the purpose of changing or influencing control of Quaint Oak Bancorp, other than activities solely in connection with a nomination under Rule 14a-11.