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QUAINT OAK BANCORP, INC.

For the period ended Dec 31, 2025. Filed Mar 27, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 27, 2026

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Contents

EX-13.0 · Employee Stock Ownership Plan

Employee Stock Ownership Plan** **

The Company maintains an Employee Stock Ownership Plan (ESOP) for the benefit of employees who meet the eligibility requirements of the plan. The Bank* may*make cash contributions to the ESOP on a quarterly basis which are allocated to participant accounts on an annual basis.

During the years ended* December 31, 2025and2024,* the Company didnot make a discretionary contribution of shares to the ESOP. However, in order to purchase shares from distribution elections by participants, the Company contributed $108,000 and $94,000 in cash to the ESOP for the years ended* December 31, 2025and2024,* respectively. These cash contributions were recognized as an ESOP expense.

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