PHILLIPS ROBERT J Form 5 Filed 2026-02-13

FORM 5

☐	Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
☐	Form 3 Holdings Reported
☐	Form 4 Transactions Reported

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person ^*

PHILLIPS ROBERT J

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
_____ Officer (give title below)	_____ Other (specify below)
Chairman of the Board

(Last)

(First)

(Middle)

C/O QUAINT OAK BANCORP, INC., 501 KNOWLES AVENUE

3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2025

(Street)

SOUTHAMPTON, PA 18966

(City)

(State)

(Zip)

4. If Amendment, Date Original Filed(Month/Day/Year)

6. Individual or Joint/Group Reporting(Check applicable line)

__X__ Form Filed by One Reporting Person
_____ Form Filed by More than One Reporting Person

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 at end of Issuer's Fiscal Year (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
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)	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock							73,358⁽¹⁾	D
Common Stock							1,291⁽²⁾	I	By IRA
Common Stock							608	I	By Spouse in IRA

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 Securities Underlying Derivative Security (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)

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Stock Option (Right to Buy)

$13.3

05/09/2023⁽³⁾

05/09/2028

Common Stock

4,115

Stock Option (Right to Buy)

$18

⁽⁴⁾

05/10/2033

Common Stock

5,000

Explanation of Responses:

1.	Includes 600 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan which reflect the unvested portion of a grant amount originally covering 1,000 shares that commenced vesting ratably over five years at 20% per year on May 10, 2024 and includes 72,758 shares held jointly with the reporting person's spouse which reflects the acquisition of 54 shares to satisfy required minimum distribution from the IRA account of the reporting person to the reporting person's joint account with his spouse since the last filed Form 4.
2.	Includes required minimum distribution of 54 shares since the last filed Form 4.
3.	The options vested at a rate of 20% per year commencing on May 9, 2019.
4.	The options are vesting at a rate of 20% per year commencing on May 10, 2024.

	Signatures
	/s/ Robert J. Phillips	02/13/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
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