SCHEDULE 13G/A 0001065407-08-000145 0001426091 XXXXXXXX LIVE 18 Common Stock, Par Value $.01 Per Share 12/31/2025 0001391933 QUAINT OAK BANCORP, INC. 74732T106 501 KNOWLES AVENUE SOUTHAMPTON PA 18966 Rule 13d-1(b) QUAINT OAK BANCORP, INC. EMPLOYEE STOCK OWNERSHIP PLAN TRUST PA 0.00 208924.00 0.00 208924.00 208924.00 7.9 EP QUAINT OAK BANCORP, INC. 501 KNOWLES AVENUE, SOUTHAMPTON, PENNSYLVANIA, 18966. Quaint Oak Bancorp, Inc. Employee Stock Ownership Plan Trust (Plan Trust) Quaint Oak Bank, 501 Knowles Avenue, Southampton, Pennsylvania 18966 Pennsylvania N EP 208,924 The reporting person is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended, with individual accounts for the benefit of participating employees and their beneficiaries. The reporting person's assets are held in trust by trustees, Aimee K. Ott and John J. Augustine ("Plan Trustees"). The number of shares listed as beneficially owned represents the entire number of shares of Common Stock held by the Plan Trust, as of December 31, 2025. As of December 31, 2025, the 208,924 shares of Common Stock were allocated to individual accounts established for participating employees and their beneficiaries. In general, participating employees and their beneficiaries have the power and authority to direct the voting of shares of Common Stock allocated to their individual accounts through the Plan Trustees, who have shared voting power over the allocated Common Stock. Unallocated Common Stock, if any, is generally required to be voted by the Plan Trustees for or against proposals to shareholders in the same proportion as the shares of Common Stock which have been allocated to the accounts of individual participants and beneficiaries are actually voted thereby, subject in each case to the fiduciary duties of the Plan Trustees and applicable law. 7.9% (based on 2,637,978 shares issued and outstanding as of December 31, 2025) 0 208,924 0 208,924 Y N Dividends on Common Stock allocated to the accounts of participating employees and their beneficiaries, to the extent paid in the form of additional securities, are added to their respective individual accounts. Dividends on Common Stock allocated to the accounts of participating employees and their beneficiaries, to the extent paid in cash, are, at the direction of the Plan Administrator, either (i) credited to the respective individual accounts, (ii) paid to the participant or beneficiary or (iii) used to pay principal and interest on outstanding indebtedness incurred by the reporting person to acquire Common Stock. Y N Not applicable since the reporting entity is not a member of a group. N Not applicable since the reporting entity is not a member of a group. N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11. QUAINT OAK BANCORP, INC. EMPLOYEE STOCK OWNERSHIP PLAN TRUST /s/ John J. Augustine 02/10/2026 /s/ Aimee K. Ott 02/10/2026 This report is not an admission that the Plan Trustees are the beneficial owners of any securities covered by this report, and the Plan Trustees expressly disclaim beneficial ownership of all shares reported herein pursuant to Rule 13d-4, other than shares allocated to the individual accounts of the Plan Trustees, as applicable, over which they have voting power.