Statement of Changes in Beneficial Ownership (Form 4)

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL OMB Number: 3235-0287 Estimated average burden hours per response... 0.5

(Print or Type Responses)

1. Name and Address of Reporting Person * STRONG ROBERT T 2. Issuer Name and Ticker or Trading Symbol QUAINT OAK BANCORP, INC. [QNTO] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) __X__ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Chief Executive Officer (Last) (First) (Middle) C/O QUAINT OAK BANCORP, INC., 501 KNOWLES AVENUE 3. Date of Earliest Transaction (Month/Day/Year) 09/05/2025 (Street) SOUTHAMPTON, PA 18966 4. If Amendment, Date Original Filed (Month/Day/Year) 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 09/05/2025 F(1) 500 A $ 0 203,608(2) D Common Stock 22,742 I By IRA Common Stock 10,548.292(3) I By 401(k) Plan Common Stock 32,218.4863 I By ESOP

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
	Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.		SEC 1474 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Employee Stock Option (Right to Buy)

$10.15

09/05/2025

A

2,500

(4)

09/05/2035

Common Stock

2,500

$ 0

2,500

D

Employee Stock Option (Right to Buy)

$18

(5)

05/10/2033

Common Stock

15,000

15,000

D

Employee Stock Stock (Right to Buy)

$13.3

05/09/2023(6)

05/09/2028

Common Stock

14,962

14,962

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
STRONG ROBERT T C/O QUAINT OAK BANCORP, INC. 501 KNOWLES AVENUE SOUTHAMPTON, PA 18966	X		Chief Executive Officer

Signatures

/s/ Robert T. Strong		09/10/2025
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Represents the grant of shares pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026.
(2)	Includes 2,700 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan which reflect the unvested portion of a grant amount originally covering 4,500 shares that commenced vesting at a rate of 20% per year on May 10, 2024, and 200,408 shares held jointly with the reporting person's spouse which includes 1,623 shares transferred from direct to joint ownership since the last filed Form 4.
(3)	Includes shares acquired in the Issuer's 401(k) Plan since the last filed Form 4. Based on a report dated September 4, 2025.
(4)	The options are vesting at a rate of 20% per year commencing on September 5, 2026.
(5)	The options are vesting at a rate of 20% per year commencing on May 10, 2024.
(6)	The options vested at a rate of 20% per year commencing on May 9, 2019 and were fully vested as of May 9, 2023.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure. Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.