Page 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ( Mark One ) × Annual report pursuant to Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 For the fiscal year ended : December 31 , 2020 or □ Transition report pursuant to Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number : 000-52694 QUAINT OAK BANCORP , INC . ( Exact name of Registrant as specified in its charter ) 35-2293957 ( I.R.S. Employer Identification Number ) Pennsylvania ( State or Other Jurisdiction of Incorporation or Organization ) 501 Knowles Avenue , Southampton , Pennsylvania ( Address of Principal Executive Offices ) Registrant's telephone number , including area code : ( 215 ) 364-4059 Securities registered pursuant to Section 12 ( b ) of the Act : None Securities registered pursuant to Section 12 ( g ) of the Act : Common Stock , $ .01 par value per share Title of Class 18966 ( Zip Code ) YES □ NO ☑ YES □ NO ☑ Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Indicate by check mark whether the Registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . YES ☑ NO □ Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . YES × NO □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Non - accelerated filer ☐ Accelerated filer ☐ Smaller reporting company Emerging growth company 冈 ☐ If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . ☐ Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . YES NO ☑ The aggregate market value of the Common Stock held by non - affiliates of the Registrant based on a closing price of $ 11.00 on June 30 , 2020 , the last day of the Registrant's second quarter was $ 14,458,851 ( 2,001,614 shares outstanding less 687,173 shares held by affiliates at $ 11.00 per share ) . Shares of Common Stock held by each executive officer and director and certain employee stock ownership plans have been excluded from the calculation since such persons may be deemed affiliates . This determination of affiliate status is not necessarily a conclusive determination for other purposes . Number of shares of Common Stock outstanding as of March 23 , 2021 : 1,989,519 DOCUMENTS INCORPORATED BY REFERENCE Set forth below are the documents incorporated by reference and the part of the Form 10 - K into which the document is incorporated : ( 1 ) ( 2 ) Portions of the Annual Report to Shareholders for the year ended December 31 , 2020 are incorporated by reference into Part II , Items 6-8 and Part IV , Item 15 of this Form 10 - K . Portions of the definitive Proxy Statement for the 2021 Annual Meeting of Shareholders are incorporated by reference into Part III , Items 10-14 of this Form 10 - K .