qnto20251231

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

___________

FORM 11-K

FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS

AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ______________ to ___________.

Commission file number: 000-52694

A. Full title of the plan and the address of the plan, if different from that of the issuer named below:

Quaint Oak Bank 401(k) Plan

B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:

Quaint Oak Bancorp, Inc.

501 Knowles Avenue

Southampton, Pennsylvania 18966

REQUIRED INFORMATION

Not applicable.

	4.	The Quaint Oak Bank 401(k) Plan (the "Plan"), is subject to the requirements of the Employee Retirement Income Security Act of 1974 ("ERISA"). Pursuant to Section 103(c) of ERISA and the regulations thereunder, the Plan is not required to file audited financial statements because the Plan has fewer than 100 participants. The following financial statements are filed as part of this annual report for the Plan and appear immediately after the signature page hereof:

		Schedule I to Form 5500 Annual Return/Report of Employee Benefit Plan for the Plan for the year ended December 31, 2025.

SIGNATURES

The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the administrator for the Plan has duly caused this annual report to be signed by the undersigned hereunto duly authorized.

		QUAINT OAK BANK 401(k) PLAN

June 26, 2026	By:	/s/ John J. Augustine
		John J. Augustine, on behalf of Quaint Oak Bank as the Plan Administrator

SCHEDULE I

(Form 5500)

Financial Information—Small Plan

OMB No. 1210-0110

This schedule is required to be filed under section 104 of the Employee

2025

Department of the Treasury

Internal Revenue Service

Retirement Income Security Act of 1974 (ERISA), and section 6058(a) of the
Internal Revenue Code (the Code).

This Form is Open to Public

Department of Labor

Inspection

Employee Benefits Security Administration

► File as an attachment to Form 5500.

Pension Benefit Guaranty Corporation

For calendar plan year 2025 or fiscal plan year beginning

01/01/2025

and ending

12/31/2025

A Name of plan
Quaint Oak Bank 401(k) Plan

B Three-digit
plan number (PN) ►

001

C Plan sponsor’s name as shown on line 2a of Form 5500
Quaint Oak Bank

D Employer Identification Number (EIN)

23-0993717

Complete Schedule I if the plan covered fewer than 100 participants as of the beginning of the plan year. You may also complete Schedule I if you are filing as a small plan under the 80-120 participant rule (see instructions). Complete Schedule H if reporting as a large plan or DFE.

Part I

Small Plan Financial Information

Report below the current value of assets and liabilities, income, expenses, transfers and changes in net assets during the plan year. Combine the value of plan assets held in more than one trust. Do not enter the value of the portion of an insurance contract that guarantees during this plan year to pay a specific dollar benefit at a future date. Include all income and expenses of the plan including any trust(s) or separately maintained fund(s) and any payments/receipts to/from insurance carriers. Round off amounts to the nearest dollar.

1 Plan Assets and Liabilities:

(a) Beginning of Year

(b) End of Year

a Total plan assets

6,439,453

7,659,622

b Total plan liabilities

250

c Net plan assets (subtract line 1b from line 1a)

6,439,453

7,659,372

2 Income, Expenses, and Transfers for this Plan Year:

(a) Amount

(b) Total

a Contributions received or receivable:

(1) Employers

2a(1)

(2) Participants

2a(2)

669,231

(3) Others (including rollovers)

2a(3)

273,121

b Noncash contributions

c Other income

1,005,605

d Total income (add lines 2a(1), 2a(2), 2a(3), 2b, and 2c)

1,947,957

e Benefits paid (including direct rollovers)

707,606

f Corrective distributions (see instructions)

17,602

g Certain deemed distributions of participant loans (see instructions)

h Administrative service providers (salaries, fees, and commissions)

2,830

i Other expenses

j Total expenses (add lines 2e, 2f, 2g, 2h, and 2i)

728,038

k Net income (loss) (subtract line 2j from line 2d)

1,219,919

l Transfers to (from) the plan (see instructions)

3 Specific Assets: If the plan held assets at any time during the plan year in any of the following categories, check “Yes” and enter the current value of any assets remaining in the plan as of the end of the plan year. Allocate the value of the plan’s interest in a commingled trust containing the assets of more than one plan on a line-by-line basis unless the trust meets one of the specific exceptions described in the instructions.

Yes

Amount

a Partnership/joint venture interests

b Employer real property

c Real estate (other than employer real property)

d Employer securities

672,708

e Participant loans

30,360

f Loans (other than to participants)

g Tangible personal property

For Paperwork Reduction Act Notice, see the Instructions for Form 5500.

Schedule I (Form 5500) 2025

v. 250312

Schedule I (Form 5500) 2025

Page 2-

Part II

Compliance Questions

During the plan year:

Yes

Amount

Was there a failure to transmit to the plan any participant contributions within the time period described in 29 CFR 2510.3-102? Continue to answer “Yes” for any prior year failures until fully corrected. (See instructions and DOL’s Voluntary Fiduciary Correction Program.)

Were any loans by the plan or fixed income obligations due the plan in default as of the close of plan year or classified during the year as uncollectible? Disregard participant loans secured by the participant’s account balance.

Were any leases to which the plan was a party in default or classified during the year as uncollectible?

Were there any nonexempt transactions with any party-in-interest? (Do not include transactions reported on line 4a.)

Was the plan covered by a fidelity bond?

1,000,000

Did the plan have a loss, whether or not reimbursed by the plan’s fidelity bond, that was caused by fraud or dishonesty?

Did the plan hold any assets whose current value was neither readily determinable on an established market nor set by an independent third party appraiser?

Did the plan receive any noncash contributions whose value was neither readily determinable on an established market nor set by an independent third party appraiser?

Did the plan at any time hold 20% or more of its assets in any single security, debt, mortgage, parcel of real estate, or partnership/joint venture interest?

Were all the plan assets either distributed to participants or beneficiaries, transferred to another plan, or brought under the control of the PBGC?

Are you claiming a waiver of the annual examination and report of an independent qualified public accountant (IQPA) under 29 CFR 2520.104-46? If “No,” attach an IQPA’s report or 2520.104-50 statement. (See instructions on waiver eligibility and conditions.)

Has the plan failed to provide any benefit when due under the plan?

If this is an individual account plan, was there a blackout period? (See instructions and 29 CFR 2520.101-3.)

If 4m was answered “Yes,” check the “Yes” box if you either provided the required notice or one of the exceptions to providing the notice applied under 29 CFR 2520.101-3

5a		Has a resolution to terminate the plan been adopted during the plan year or any prior plan year? ☐ Yes ☒ No If “Yes,” enter the amount of any plan assets that reverted to the employer this year .
5b		If, during this plan year, any assets or liabilities were transferred from this plan to another plan(s), identify the plan(s) to which assets or liabilities were transferred. (See instructions.)

5b(1) Name of plan(s)

5b(2) EIN(s)

5b(3) PN(s)

Was the plan a defined benefit plan covered under the PBGC insurance program at any time during this plan year? (See ERISA section 4021 and instructions.) ☐ Yes ☐ No ☐ Not determined
If “Yes” is checked, enter the My PAA confirmation number from the PBGC premium filing for this plan year .

ATTACHMENTS / EXHIBITS

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