QUAINT OAK BANCORP, INC.
For the period ended Dec 31, 2025. Filed Mar 27, 2026.
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FY2025 · Filed Mar 27, 2026
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Item 15. Exhibit and Financial Statement Schedules
| (a) | (1) | The following financial statements are incorporated by reference from Item 8 hereof (see Exhibit 13.0): |
|---|
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, 2025 and 2024
Consolidated Statements of Income for the Years Ended December 31, 2025 and 2024
Consolidated Statements of Comprehensive Income for the Years Ended December 31, 2025 and 2024
Consolidated Statements of Stockholders’ Equity for the Years Ended December 31, 2025 and 2024
Consolidated Statements of Cash Flows for the Years Ended December 31, 2025 and 2024
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 |
The following exhibits are filed as part of this Form 10-K and this list includes the Exhibit Index.
| No. | Exhibits | Location |
|---|---|---|
| 3.1 | Articles of Incorporation of Quaint Oak Bancorp, Inc. | (1) |
| 3.2 | Amended and Restated Bylaws of Quaint Oak Bancorp, Inc. | (2) |
| 4.1 | Form of Stock Certificate of Quaint Oak Bancorp, Inc. | (1) |
| 4.2 | Form of Subordinated Note due December 31, 2028 | (3) |
| 4.5 | Form of Senior Unsecured Note due 2028. | (4) |
| 4.6 | Description of Securities Registered under Section 12 of the Securities Exchange Act of 1934 | (5) |
| 10.1 | Amended and Restated Employment Agreement among Quaint Oak Bancorp, Inc., Quaint Oak Bank and Robert T. Strong* | (6) |
| 10.2 | Amended and Restated Employment Agreement among Quaint Oak Bancorp, Inc., Quaint Oak Bank and John J. Augustine* | (6) |
| 10.3 | Amended and Restated Employment Agreement among Quaint Oak Bancorp, Inc., Quaint Oak Bank and William R. Gonzalez* | (6) |
| 10.4 | Employment Agreement among Quaint Oak Bancorp, Inc., Quaint Oak Bank and Aimee K. Ott* | (6) |
| 10.5 | Quaint Oak Bancorp, Inc. 2018 Stock Incentive Plan* | (7) |
| 10.6 | Form of Subordinated Note Purchase Agreement dated December 27, 2018 | (3) |
| 10.7 | Quaint Oak Bancorp, Inc. 2023 Stock Incentive Plan | (8) |
| 10.8 | Form of Senior Unsecured Note Purchase Agreement dated February 21, 2025 | (4) |
| 19.1 | Insider Trading Policy | (9) |
| 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 |
| * | 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 February 12, 2026 (File No. 000-52694). |
| (3) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on December 28, 2018 (File No. 000-52694). |
| (4) | Incorporated by reference from the Company’s Current Report on Form 8-K, filed on February 21, 2025 (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 February 19, 2025 (File No. 000-52694). |
| (7) | 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. |
| (8) | 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. |
| (9) | Incorporated by reference from the Company’s Annual Report on Form 10-K, filed on March 28, 2025 (File No. 000-52694). |
.Item 16. Form 10-K Summary.
None.
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
| QUAINT OAK BANCORP, INC. | ||
| March 27, 2026 | By: | /s/ Robert T. Strong |
|---|---|---|
| Robert T. Strong | ||
| Chief Executive Officer | ||
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the date indicated.
| Name | Title | Date |
|---|---|---|
| /s/ Robert T. Strong | Chief Executive Officer | March 27, 2026 |
| Robert T. Strong | (Principal Executive Officer) | |
| /s/ John J. Augustine | Executive Vice President and | March 27, 2026 |
| John J. Augustine | Chief Financial Officer | |
| (Principal Financial and Accounting Officer) | ||
| /s/ William R. Gonzalez | Director and President | March 27, 2026 |
| William R. Gonzalez | ||
| /s/ Robert J. Phillips | Chairman | March 27, 2026 |
| Robert J. Phillips | ||
| /s/ James J. Clarke | Director | March 27, 2026 |
| James J. Clarke | ||
| /s/ Andrew E. DiPiero, Jr. | Director | March 27, 2026 |
| Andrew E. DiPiero, Jr. | ||
| /s/ Kenneth R. Gant | Director | March 27, 2026 |
| Kenneth R. Gant | ||
| /s/ Bora Ozkan | Director | March 27, 2026 |
| Bora Ozkan | ||
| /s/ Susan M. Vettori | Director | March 27, 2026 |
| Susan M. Vettori | ||
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