QUAINT OAK BANCORP INC: insider trades · United States · SEC (Form 4)

About QUAINT OAK BANCORP INC

Quaint Oak Bancorp Inc. (ticker: QNTO) is a U.S.-based financial services holding company. Publicly available information indicates that the shares are quoted on the OTCQB market rather than NYSE or NASDAQ at this time, so investors should not assume a major-exchange listing. The company is headquartered in Southampton, Pennsylvania, United States, and operates through its wholly owned subsidiary, Quaint Oak Bank, a Pennsylvania-chartered stock savings bank. Quaint Oak Bank serves the broader Philadelphia-area corridor through three regional offices in the Delaware Valley, Lehigh Valley, and Philadelphia markets. ([quaintoak.com](https://www.quaintoak.com/investors/?utm_source=openai)) In business terms, Quaint Oak is best understood as a regional banking franchise with a strong specialty lending orientation. The company describes itself as the parent of the “Quaint Oak Family of Companies,” which points to a broader platform that combines traditional banking with adjacent financial services. Its competitive edge is not scale, but local market knowledge, relationship-based underwriting, and the ability to serve borrowers that may not fit the credit boxes of larger national banks. ([quaintoak.com](https://www.quaintoak.com/investors/?utm_source=openai)) The core business lines include commercial real estate lending, commercial business lending, one-to-four family residential mortgage lending for owner-occupied and non-owner-occupied properties, multi-family lending, construction loans, and home equity loans. In addition, Quaint Oak provides mortgage banking, multi-state specialty commercial real estate financing, title abstract services, and insurance-related services. This mix gives the company exposure to both interest income and fee-based revenue, while keeping the operating model centered on lending and transaction support. ([stockanalysis.com](https://stockanalysis.com/quote/otc/QNTO/company/?utm_source=openai)) From a market-position perspective, Quaint Oak occupies a niche regional role within the highly fragmented U.S. banking landscape. It is not a national money-center institution; instead, it competes as a focused lender in Pennsylvania and surrounding markets, where customer relationships and deal structuring matter more than breadth of branch scale. For international investors, that means the stock profile is likely tied to regional credit conditions, real estate market trends, deposit dynamics, and the interest-rate cycle. ([quaintoak.com](https://www.quaintoak.com/investors/?utm_source=openai)) Recent developments show a company that remains active in capital-markets and regulatory reporting. Quaint Oak published its 2025 annual report and held its annual shareholder meeting at its Southampton headquarters in May 2026, underscoring ongoing governance and disclosure activity. Recent SEC/Form 4-related coverage also indicates continued insider-transaction reporting, which is consistent with a publicly traded U.S. bank holding company. Overall, Quaint Oak Bancorp is a small-cap regional financial institution in the United States with a conservative, relationship-driven model and a lending mix concentrated in commercial real estate and specialty banking. ([stocktitan.net](https://www.stocktitan.net/sec-filings/QNTO/?utm_source=openai))