# EDGAR Filing Document

**Accession Number:** 0001391933
**File Stem:** 0000927089-25-000114
**Filing Date:** 2025-7
**Character Count:** 8760
**Document Hash:** 497a809dd8b78d2783193001d8c078ac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000927089-25-000114.hdr.sgml**: 20250711

**ACCESSION NUMBER**: 0000927089-25-000114

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20250709

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250711

**DATE AS OF CHANGE**: 20250711

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** QUAINT OAK BANCORP, INC.
- **CENTRAL INDEX KEY:** 0001391933
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 352293957
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-52694
- **FILM NUMBER:** 251119359

**BUSINESS ADDRESS:**
- **STREET 1:** 501 KNOWLES AVENUE
- **CITY:** SOUTHAMPTON
- **STATE:** PA
- **ZIP:** 18966
- **BUSINESS PHONE:** 215 364 4059

**MAIL ADDRESS:**
- **STREET 1:** 501 KNOWLES AVENUE
- **CITY:** SOUTHAMPTON
- **STATE:** PA
- **ZIP:** 18966

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** QUAINT OAK BANCORP INC
- **DATE OF NAME CHANGE:** 20070302

?xml version='1.0' encoding='ASCII'? qnto20250709_8k.htm

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| | |
|:---|:---|
| **UNITED STATES**<br> **SECURITIES AND EXCHANGE COMMISSION** | **UNITED STATES**<br> **SECURITIES AND EXCHANGE COMMISSION** |
| **Washington, D.C. 20549** | **Washington, D.C. 20549** |
| **FORM 8-K** | **FORM 8-K** |
| **CURRENT REPORT** | **CURRENT REPORT** |
| **Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934** | **Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934** |
| Date of Report (Date of earliest event reported) | July 9, 2025 |

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| | | |
|:---|:---|:---|
| **QUAINT OAK BANCORP, INC.** | **QUAINT OAK BANCORP, INC.** | **QUAINT OAK BANCORP, INC.** |
| (Exact name of registrant as specified in its charter) | (Exact name of registrant as specified in its charter) | (Exact name of registrant as specified in its charter) |
| Pennsylvania | 000-52694 | 35-2293957 |
| (State or other jurisdiction<br> of incorporation) | (Commission File Number) | (IRS Employer<br> Identification No.) |

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| | |
|:---|:---|
| 501 Knowles Avenue, Southampton, Pennsylvania | 18966 |
| (Address of principal executive offices) | (Zip Code) |

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| | |
|:---|:---|
| Registrant's telephone number, including area code | (215) 364-4059 |
| Not Applicable | Not Applicable |
| (Former name or former address, if changed since last report) | (Former name or former address, if changed since last report) |
| Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below): | Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below): |
| ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) | ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
| ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) | ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
| ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) | ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
| ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) | ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |

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Securities registered pursuant to Section 12(b) of the Act: None

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|:---|:---|:---|
| Title of each class | Trading symbol(s) | Name of each exchange on which registered |

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|:---|
| Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). |
| Emerging growth company ☐ |
| If 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. ☐ |

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**Item 7.01**&nbsp;&nbsp;&nbsp;&nbsp; **<u>Regulation FD Disclosure</u>**

On July 11, 2025, Quaint Oak Bancorp, Inc. (the "Company") issued a press release announcing that the Board of Directors declared a quarterly cash dividend of $0.04 per share on July 9, 2025. The dividend is payable on August 4, 2025, to shareholders of record as of July 21, 2025.

For additional information, reference is made to the Company's press release dated July 11, 2025, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto. The press release attached hereto is being furnished to the SEC and shall not be deemed to be "filed" for any purpose except as shall be expressly set forth by specific reference to such filing in other filings of the Company into which may be incorporated.

 **Item 9.01**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **<u>Financial Statements and Exhibits</u>**

(a) Not applicable.

(b) Not applicable.

(c) Not applicable.

(d) Exhibits

The following exhibit is included with this Report:

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| | |
|:---|:---|
| **Exhibit Number** | **Description** |
| 99.1 | [Press release dated July 11, 2025](ex_837418.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

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**SIGNATURES**

Pursuant to the requirements 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.

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| | | |
|:---|:---|:---|
| | | **QUAINT OAK BANCORP, INC.** |
| &nbsp;&nbsp;&nbsp;&nbsp;Date: July 11, 2025 | By: | /s/ John J. Augustine |
|  |  | John J. Augustine |
|  |  | Executive Vice President and Chief Financial Officer |

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## Exhibit 99.1

**Exhibit 99.1**

![qologo.jpg](qologo.jpg)

**FOR IMMEDIATE RELEASE**

**QUAINT OAK BANCORP, INC. DECLARES**

**QUARTERLY CASH DIVIDEND**

Southampton, Pa., July 11, 2025 – Quaint Oak Bancorp, Inc. (OTCQB: QNTO) (the "Company"), the holding company for Quaint Oak Bank, announced today that its Board of Directors declared a quarterly cash dividend of $0.04 per share on the common stock of the Company on July 9, 2025. The dividend is payable on August 4, 2025, to the shareholders of record at the close of business on July 21, 2025. Robert T. Strong, Chief Executive Officer of the Company stated, "After careful consideration, the Board decided to reduce the quarterly cash dividend as part of our continued efforts to enhance capital levels, strengthen liquidity, and allow for continued reinvestment in strategic initiatives to position the Company for long-term success. The Board remains focused on long-term profitability with a strong commitment to shareholder value."

Quaint Oak Bancorp, Inc., a Financial Services Company, is the parent company for the Quaint Oak Family of Companies. Quaint Oak Bank, a Pennsylvania-chartered stock savings bank and wholly-owned subsidiary of the Company, is headquartered in Southampton, Pennsylvania and conducts business through three regional offices located in the Delaware Valley, Lehigh Valley and Philadelphia markets. Quaint Oak Bank's subsidiary companies include Quaint Oak Abstract, LLC, Quaint Oak Insurance Agency, LLC, Quaint Oak Mortgage, LLC and Oakmont Commercial, LLC, a specialty commercial real estate financing company. All companies are multi-state operations.

*Statements contained in this news release which are not historical facts may be forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words like* "*believe,*" "*expect,*" "*anticipate,*" "*estimate*" *and* "*intend*" *or future or conditional verbs such as* "*will,*" "*would,*" "*should,*" "*could*" *or* "*may.*" *We undertake no obligation to update any forward-looking statements.*

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| |
|:---|
| **Contact:** |
| Quaint Oak Bancorp, Inc.<br> Robert T. Strong<br> Chief Executive Officer<br> 215.364.4059 |

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