Quaint OAK Bancorp, INC.: management transactions · United States · SEC (Form 4)

About Quaint OAK Bancorp, INC.

Quaint Oak Bancorp, Inc. (ticker QNTO) is a U.S. banking holding company quoted on the OTCQB market in the United States, not on the NYSE or NASDAQ at this time. For international investors, it is best viewed as a small regional Pennsylvania lender with a niche profile: relationship banking, commercial real estate, and specialized lending rather than mass-market retail banking. The company was organized in 2007 as the holding company for Quaint Oak Bank, but its operating history goes back to 1926, the year the bank was founded. The group is headquartered in Southampton, Pennsylvania, United States. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1391933/000092708926000044/qnto20251231_10k.htm?utm_source=openai)) Quaint Oak’s business model is anchored in deposit gathering and loan origination. Its 2025 annual report states that the bank primarily invests deposits into commercial real estate loans, commercial business loans, one-to-four family owner-occupied residential loans, and multi-family residential loans. Funding is sourced through a mix of local deposit products, including certificates of deposit, business checking accounts, and money market accounts. Geographically, the bank identifies its primary market area as Bucks, Montgomery, and Philadelphia Counties, plus the Lehigh Valley area in Pennsylvania. In practical terms, this means Quaint Oak remains a geographically concentrated lender with a strong footprint in the Delaware Valley. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1391933/000092708926000044/qnto20251231_10k.htm?utm_source=openai)) In competitive terms, Quaint Oak operates as a smaller, specialized community banking franchise. That positioning can be attractive where local underwriting expertise, speed of execution, and customer intimacy matter more than scale. The group also has dedicated operating lines such as Quaint Oak Mortgage for residential mortgage banking and Oakmont Commercial for commercial real estate lending. Historically, the company also had an equipment finance presence, but Quaint Oak Bank sold its 51% interest in Oakmont Capital Holdings in March 2024, indicating a deliberate simplification of the business mix. ([nasdaq.com](https://www.nasdaq.com/press-release/quaint-oak-bancorp-inc-announces-fourth-quarter-and-year-end-earnings-2026-02-02?utm_source=openai)) Recent developments have been meaningful. Management said 2025 was a year of investment in technology platforms and personnel, and described 2026 as the transition from investment to activation for its international correspondent banking initiative. The company also highlighted progress in its SBA lending strategy, supported by its status as an SBA Preferred Lender, with SBA originations rising in 2025 versus 2024. In early 2026, Quaint Oak also emphasized its 100-year history as part of its centennial communications. From a risk perspective, investors should note that in May 2025 the bank entered into consent orders with the FDIC and Pennsylvania regulators tied primarily to its Bank Secrecy Act compliance program, which is an important governance and operational issue to monitor. ([nasdaq.com](https://www.nasdaq.com/press-release/quaint-oak-bancorp-inc-announces-fourth-quarter-and-year-end-earnings-2026-02-02?utm_source=openai))