|        |
|--------|
|   |

| (Mark One)                                                                                                                                                             |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
| ☒    Annual report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934For the fiscal year ended:  December 31, 2019       |
| or                                                                                                                                                                     |
| ☐    Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934For the transition period from ______ to ______ |
|                                                                                                                                                                   |   |
| Commission File Number: 000-52694                                                                                                                                      |
| QUAINT OAK BANCORP, INC.                               |
|--------------------------------------------------------|
| (Exact name of Registrant as specified in its charter) |

| Pennsylvania                                  |  | 35-2293957             |
|-----------------------------------------------|--|------------------------|
| (State or Other Jurisdiction of               |  | (I.R.S. Employer       |
| Incorporation or Organization)                |  | Identification Number) |
|                                          |  |                   |
| 501 Knowles Avenue, Southampton, Pennsylvania |  | 18966                  |
| (Address of Principal Executive Offices)      |  | (Zip Code)             |
| Common Stock, $.01 par value per share |
|----------------------------------------|
| Title of Class                         |

|   | Large accelerated filer  | ☐                 | Accelerated filer         | ☐ |
|--------|-------------------------------|-------------------------|-------------------------------------------------------------------|---------|
|   | Non-accelerated filer         | ☒                 | Smaller reporting company                                         | ☒ |
|   |                               | Emerging growth company | ☐                                                           |

|   |
|--------|

----

----

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|  No. |   |  Exhibits                           |   |  Location       |
|-----------|--------|------------------------------------------|--------|----------------------|
| 31.1      |   | Certification of Chief Executive Officer |   |  Filed herewith |
| 31.2      |   | Certification of Chief Financial Officer |   |  Filed herewith |

----

|        |   |   | QUAINT OAK BANCORP, INC.                             |
|-------------|--------|--------|------------------------------------------------------|
|        |   |   |                                                 |
|        |   |   |                                                 |
| May 4, 2020 | By:    |   | /s/John J. Augustine                                 |
|        |   |        | John J. Augustine                                    |
|        |   |   | Executive Vice President and Chief Financial Officer |

----

|  Date: May 4, 2020 |   | /s/Robert T. Strong                         |
|-------------------------|--------|---------------------------------------------|
|                    |   |  Robert T. Strong                      |
|                    |   |  President and Chief Executive Officer |

----

| Date: May 4, 2020 |   | /s/John J. Augustine                                       |
|-------------------|--------|------------------------------------------------------------|
|              |   |  John J. Augustine                                    |
|              |   |  Executive Vice President and Chief Financial Officer |