{"url_path":"/sec/qnto/10-q/2026/cover-page","section_key":"cover-page","section_title":"Cover Page","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-15","source_url":"https://www.sec.gov/Archives/edgar/data/1391933/0000927089-26-000093-index.html","accession_number":"0000927089-26-000093","cik":"0001391933","ticker":"QNTO","issuer_name":"QUAINT OAK BANCORP, INC.","edgar_url":"https://www.sec.gov/Archives/edgar/data/1391933/0000927089-26-000093-index.html","primary_entity_key":"0001391933","primary_entity_name":"QUAINT OAK BANCORP, INC."},"word_count":1119,"has_tables":true,"body_markdown":"qnto20260331_10q.htm\n\n0001391933\nQUAINT OAK BANCORP INC\nfalse\n--12-31\nQ1\n2026\n6,207\n6,166\n0.01\n0.01\n1,000,000\n1,000,000\n0\n0\n0\n0\n0.01\n0.01\n9,000,000\n9,000,000\n3,108,993\n3,108,993\n2,640,459\n2,637,978\n468,534\n471,015\n0.04\n0.13\n5\n0\n0\n0\n0\n0\n0\n0\n0\n10\n12,000\n0\n0\n6.5\nDecember 31, 2028\n11.0\nMarch 1, 2028\n11.0\nMarch 1, 2028\n8.0\n0\n0\n0\n5\n5\n5\n10\n5\n10\n1,000\n8\n8\n8\n8\n2\nfalse\nfalse\nfalse\nfalse\nThe Company has identified one major interest bearing checking account deposit customer that accounted for approximately $35.1 million, or 6.2% of total deposits at March 31, 2026, and that accounted for approximately $35.0 million, or 5.9% of total deposits at December 31, 2025.\nFair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are identifiable.\nAll amounts are net of tax. Amounts in parentheses indicate debits.\nAppraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percentage of the appraisal.\n\nIncludes Quaint Oak Bancorp, Inc. and the Bank’s subsidiaries, Quaint Oak Mortgage, Quaint Oak Abstract, Quaint Oak Insurance Agency and QOB Properties.\nThese loans are well secured and in the process of collection.\nIncludes Quaint Oak Bancorp, Inc. and the Bank’s subsidiaries, Quaint Oak Mortgage, Quaint Oak Real Estate, Quaint Oak Abstract, Quaint Oak Insurance Agency and QOB 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AND EXCHANGE COMMISSION**\n\n**Washington, D.C. 20549**\n\n \n\n**FORM 10-Q**\n\n \n\n(Mark One)\n\n☒\n**QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\nFor the quarterly period ended March 31, 2026\n\nOR\n\n☐\n**TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n    \n\nFor the transition period from\n \nto\n \n\n \n\nCommission file number:\n\n000-52694\n\n \n\n**QUAINT OAK BANCORP, INC.**\n\n(Exact Name of Registrant as Specified in Its Charter)\n\n \n\nPennsylvania\n \n35-2293957\n\n(State or Other Jurisdiction of Incorporation or Organization)\n \n(I.R.S. Employer Identification No.)\n\n \n\n501 Knowles Avenue, Southampton, Pennsylvania\n \n18966\n\n(Address of Principal Executive Offices)\n \n(Zip Code)\n\n \n\n(215) 364-4059\n\n(Registrant’s Telephone Number, Including Area Code)\n\n \n\nNot applicable\n\n(Former name, former address and former fiscal year, if changed since last report)\n\n \n\nSecurities registered pursuant to Section 12(b) of the Act: None\n\n \n\nTitle of each Class\n\nTrading Symbol(s)\n\nName of each exchange on which registered\n\n   \n\n \n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes  ☐ No\n\n \n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes  ☐ No\n\n \n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\n \n\nLarge accelerated filer ☐     Accelerated filer ☐     Non-accelerated  filer ☒     Smaller reporting company ☒     Emerging growth company ☐\n\n \n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\n \n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐   No ☒\n\n \n\nIndicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: As of May 12, 2026, 2,643,271 shares of the issuer’s common stock were issued and outstanding.\n\n \n\n \n\n \n\n \n\n \n\n**INDEX**\n\n \n\n**PART I - FINANCIAL INFORMATION**\n\nPage"}