QNTO · Quaint Oak Bancorp, Inc.

Includes 400 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 36,150 shares held jointly with the reporting person's spouse.

Disposition solely to meet tax obligation for distribution from stock benefit plan.

Includes 1,500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 1,800 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.

Disposition solely to meet tax obligation for distribution from stock benefit plan.

Includes 2,000 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026 and 1,800 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.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 209,370 shares held jointly with the reporting person's spouse.

The options vested at a rate of 20% per year commencing on May 9, 2019 and were fully vested as of May 9, 2023.

The options vested at a rate of 20% per year commencing on May 9, 2019 and were fully vested as of May 9, 2023.

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 35,950 shares held jointly with the reporting person's spouse, which reflects 600 shares transferred from individual to joint ownership since the last filed Form 4.

The options vested at a rate of 20% per year commencing on May 9, 2019 and were fully vested as of May 9, 2023.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 206,908 shares held jointly with the reporting person's spouse.

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 34,100 shares held jointly with the reporting person's spouse.

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 35,250 shares held jointly with the reporting person's spouse.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 204,408 shares held jointly with the reporting person's spouse.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 203,608 shares held jointly with the reporting person's spouse.

Includes shares acquired in the Issuer's 401(k) Plan since the last filed Form 4. Based on a report dated December 8, 2025.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 203,408 shares held jointly with the reporting person's spouse.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 202,908 shares held jointly with the reporting person's spouse.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 202,408 shares held jointly with the reporting person's spouse.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 201,508 shares held jointly with the reporting person's spouse.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 200,908 shares held jointly with the reporting person's spouse.

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, 500 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026, and 201,408 shares held jointly with the reporting person's spouse.

The options are vesting at a rate of 20% per year commencing on September 5, 2026.

The options are vesting at a rate of 20% per year commencing on September 5, 2026.

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.

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.

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.

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.

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.

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.

The options are vesting at a rate of 20% per year commencing on September 5, 2026.

The options are vesting at a rate of 20% per year commencing on September 5, 2026.

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.

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.

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 33,900 shares held jointly with the reporting person's spouse.

Purchase of shares effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 13, 2025.

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, 198,785 shares held jointly with the reporting person's spouse which includes 900 shares transferred from direct to joint ownership since the last filed Form 4 and reflects acquisition of 1,623 shares to satisfy required minimum distribution from the ESOP account of the reporting person since the last filed Form 4.

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.

Includes shares acquired in the Issuer's 401(k) Plan since the last filed Form 4. Based on a report dated June 11, 2025.

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 197,285 shares held jointly with the reporting person's spouse.

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 72,504 shares held jointly with the reporting person's spouse.

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 72,204 shares held jointly with the reporting person's spouse which includes 4,600 shares transferred from direct to the reporting person's joint account with his spouse since the last filed Form 4.

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 196,885 shares held jointly with the reporting person's spouse.

Disposition solely to meet tax obligation for distribution from stock benefit plan.

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.

Disposition solely to meet tax obligation for distribution from stock benefit plan.

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.

The sale reported in this Form 4 was effected by a third party investment manager to pay fees on the IRA account owned by the reporting person.

Includes required minimum distribution of 55 shares since the last filed Form 4.

Includes 800 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 33,600 shares held jointly with the reporting person's spouse.*

Includes shares acquired in the Issuer's 401(k) Plan since the last filed Form 4. Based on a report dated July 31, 2024.

Includes 3,600 shares granted pursuant to the Issuer's 2023 Stock Incentive plan that are vesting ratably over five years at 20% per year commencing on May 10, 2024 and 195,885 shares held jointly with the reporting person's spouse which includes 17,038 shares transferred from direct to joint ownership since the last filed Form 4, and reflects acquisition of 3,051 shares to satisfy required minimum distribution from the ESOP account of the reporting person to the reporting person's joint account with his spouse since the last filed Form 4.

Includes 800 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 33,600 shares held jointly with the reporting person's spouse.

The reporting person is amending the Form 4 originally filed to report this transaction for the purpose of reflecting a different transaction date.

Includes 800 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 33,300 shares held jointly with the reporting person's spouse.

Disposition solely to meet tax obligation for distribution from stock benefit plan.

Includes 3,600 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.

Disposition solely to meet tax obligation for distribution from stock benefit plan.

Includes 2,000 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan which reflect the unvested portion of a grant amount originally covering 2,500 shares that commenced vesting at a rate of 20% per year on May 10, 2024.

Disposition solely to meet tax obligation for distribution from stock benefit plan.

Includes 3,600 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.

Disposition solely to meet tax obligation for distribution from stock benefit plan.

Includes 3,600 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.

Includes 1,000 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on May 10, 2024 and includes 33,300 shares held jointly with the reporting person's spouse.

Includes 1,000 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on May 10, 2024 and includes 33,200 shares held jointly with the reporting person's spouse.