| (a) | (1) | The following financial statements are incorporated by reference from Item 8 hereof (see Exhibit 13.0): |
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Report of Independent Registered Public Accounting Firm (S.R. Snodgrass, P.C., Cranberry Township, Pennsylvania, PCAOB Firm ID 74)
Consolidated Balance Sheets as of December 31, 2023 and 2022
Consolidated Statements of Income for the Years Ended December 31, 2023 and 2022
Consolidated Statements of Comprehensive Income for the Years Ended December 31, 2023 and 2022
Consolidated Statements of Stockholders’ Equity for the Years Ended December 31, 2023 and 2022
Consolidated Statements of Cash Flows for the Years Ended December 31, 2023 and 2022
Notes to Consolidated Financial Statements
| (2) | All schedules are omitted because they are not required or applicable, or the required information is shown in the consolidated financial statements or the notes thereto. |
| (3) | Exhibits |
| No. | Exhibits | Location |
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| 3.1 | Articles of Incorporation of Quaint Oak Bancorp, Inc. | (1) |
| 3.2 | Bylaws of Quaint Oak Bancorp, Inc. | (1) |
| 4.1 | Form of Stock Certificate of Quaint Oak Bancorp, Inc. | (1) |
| 4.2 | Form of Subordinated Note due December 31, 2028 | (2) |
| 4.3 | Form of Global Subordinated Note due March 15, 2025 | (3) |
| 4.4 | Form of Subordinated Note due March 15, 2025 | (4) |
| 4.5 | Description of Securities Registered under Section 12 of the Securities Exchange Act of 1934 | (5) |
| 10.1 | Amended and Restated Employment Agreement by and between Robert T. Strong and Quaint Oak Bank* | (6) |
| 10.2 | Quaint Oak Bancorp, Inc. 2008 Stock Option Plan* | (7) |
| 10.3 | Employment Agreement between Quaint Oak Bank and John J. Augustine* | (8) |
| 10.4 | Quaint Oak Bancorp, Inc. 2013 Stock Incentive Plan* | (9) |
| 10.5 | Employment Agreement between Quaint Oak Mortgage, LLC, Quaint Oak Real Estate, LLC, and Quaint Oak Abstract, LLC, and William R. Gonzalez, as amended* | (10) |
| 10.6 | Quaint Oak Bancorp, Inc. 2018 Stock Incentive Plan* | (11) |
| 10.7 | Form of Subordinated Note Purchase Agreement dated December 27, 2018 | (2) |
| 10.8 | Form of Subordinated Note Purchase Agreement dated March 2, 2023 | (3) |
| 10.9 | Form of Subscription Agreement dated March 15, 2023 | (4) |
| 10.10 | Quaint Oak Bancorp, Inc. 2023 Stock Incentive Plan | (12) |
| 10.11 | Stock Purchase Agreement between Quaint Oak Bancorp, Inc. and ItalBank International Inc., dated November 2, 2023 | (13) |
| 10.12 | Stock Purchase Agreement between Quaint Oak Bancorp, Inc. and Fintech Holdings LLC, dated February 14, 2024 | (14) |
| 21.0 | Subsidiaries of the Registrant | Filed herewith |
| 23.1 | Consent of S.R. Snodgrass, P.C. | Filed herewith |
| 31.1 | Certification of Chief Executive Officer | Filed herewith |
| 31.2 | Certification of Chief Financial Officer | Filed herewith |
| 32.0 | Section 1350 Certification of the Chief Executive Officer and Chief Financial Officer | Filed herewith |
| 101.INS | Inline XBRL Instance Document | Filed herewith |
| 101.SCH | Inline XBRL Taxonomy Extension Schema Document | Filed herewith |
| 101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase Document | Filed herewith |
| 101.LAB | Inline XBRL Taxonomy Extension Label Linkbase Document | Filed herewith |
| 101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase Document | Filed herewith |
| 101.DEF | Inline XBRL Taxonomy Extension Definitions Linkbase Document | Filed herewith |
| 104 | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 10) | Filed herewith |
(Footnotes on following page)
- Denotes management compensation plan or arrangement.
| (1) | Incorporated by reference from the Company’s Registration Statement on Form SB-2, filed on March 21, 2007, as amended, and declared effective on May 14, 2007 (File No. 333-141474). |
| (2) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on December 28, 2018 (File No. 000-52694). |
| (3) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on March 2, 2023 (File No. 000-52694). |
| (4) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on March 21, 2023 (File No. 000-52694). |
| (5) | Incorporated by reference from the Company’s Annual Report on Form 10-K, filed with the Commission on March 27, 2020 (File No. 000-52694). |
| (6) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on December 16, 2008 (File No. 000-52694). |
| (7) | Incorporated by reference from the Company’s definitive proxy statement for the Annual Meeting of Shareholders held on May 14, 2008 (Commission File No. 000-52694) filed with the Commission on April 11, 2008. |
| (8) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on September 18, 2012 (File No. 000-52694). |
| (9) | Incorporated by reference from the Company’s definitive proxy statement for the Annual Meeting of Shareholders held on May 8, 2013 (Commission File No. 000-526341) filed with the Commission on April 8, 2013. |
| (10) | Incorporated by reference from the Company’s Annual Report on Form 10-K, filed with the Commission on March 26, 2015 (File No. 000-52694). |
| (11) | Incorporated by reference from the Company’s definitive proxy statement for the Annual Meeting of Shareholders held on May 9, 2018 (Commission File No. 000-526341) filed with the Commission on April 6, 2018. |
| (12) | Incorporated by reference from the Company’s definitive proxy statement for the Annual Meeting of Shareholders held on May 10, 2023 (Commission File No. 000-526341) filed with the Commission on April 5, 2023. |
| (13) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on November 3, 2023 (File No. 000-52694). |
| (14) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on February 15, 2024 (File No. 000-52694). |
| (b) | Exhibits |
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| The exhibits listed under (a)(3) of this Item 15 are filed herewith. |
| (c) | Reference is made to (a)(2) of this Item 15. |
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