---
schema_version: "secwatch.filing_event.v1"
accession: "0000927089-25-000054"
form_type: "8-K"
ticker: "QNTO"
cik: "0001391933"
company_name: "QUAINT OAK BANCORP, INC."
filed_at: "2025-02-24T23:59:59+00:00"
generated_at: "2026-05-26T05:39:42.170471+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Quaint Oak Bancorp issues $10M senior unsecured notes at 11% to repay maturing subordinated debt

## Summary
- Issued $9.75M (plus $250k committed) of 11.00% Fixed Rate Senior Unsecured Notes due March 1, 2028.
- Net proceeds to repay $14M of 8.5% Fixed Rate Subordinated Notes maturing March 15, 2025.
- Notes rank pari passu with existing senior unsecured debt; unsecured and effectively subordinate to secured debt.
- Piper Sandler & Co. served as exclusive placement agent.
- Updated Risk Factors filed as Exhibit C, superseding those in 2023 10-K.

## SEC filing metadata
- accession: 0000927089-25-000054
- form_type: 8-K
- ticker: QNTO
- cik: 0001391933
- company_name: QUAINT OAK BANCORP, INC.
- filed_at: 2025-02-24T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 2.03, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1391933/000092708925000054/0000927089-25-000054-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1391933/000092708925000054/qnto20250221_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000054
- JSON: https://secwatch.observer/filing/0000927089-25-000054.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000054.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.