UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

___________

FORM 11-K

FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS

AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

☒	ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
	For the fiscal year ended December 31, 2022
OR
☐	TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
	For the transition period from ______________ to ___________.
	Commission file number: 000-52694
A.	Full title of the plan and the address of the plan, if different from that of the issuer named below:
Quaint Oak Bank 401(k) Plan
B.	Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:
Quaint Oak Bancorp, Inc.
501 Knowles Avenue Southampton, Pennsylvania 18966

REQUIRED INFORMATION

          Financial Statements. The following financial statements are filed as part of this annual report for the Quaint Oak Bank 401(k) Plan (the "Plan") and appear immediately after the signature page hereof:

          Schedule I to Form 5500 Annual Return/Report of Employee Benefit Plan for the Plan for the year ended December 31, 2022.

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SIGNATURES

          The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the administrator for the Plan has duly caused this annual report to be signed by the undersigned hereunto duly authorized.

	QUAINT OAK BANK 401(k) PLAN
June 28, 2023	By:	/s/John J. Augustine
		John J. Augustine, on behalf of Quaint Oak Bank as the Plan Administrator

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