---
schema_version: "secwatch.filing_event.v1"
accession: "0000927089-25-000101"
form_type: "8-K"
ticker: "QNTO"
cik: "0001391933"
company_name: "QUAINT OAK BANCORP, INC."
filed_at: "2025-05-21T23:59:59+00:00"
generated_at: "2026-05-20T22:19:59.111679+00:00"
event_type: "regulatory"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Quaint Oak Bank subsidiary enters consent orders with FDIC and PA regulator over BSA/AML program

## Summary
- Consent orders issued May 15, 2025; bank neither admitted nor denied unsafe practices or violations.
- No fines, penalties, or activity restrictions imposed; orders require enhanced AML/CFT policies and controls.
- Remediation deadlines: 90 days for third-party risk program, 180 days for AML internal controls and risk assessment.
- Bank has already hired VP Financial Crimes, expanded AML staff, and enhanced training and audit functions.
- Orders follow joint FDIC/state examination that began Feb 20, 2024, based on 2023 financial data.

## SEC filing metadata
- accession: 0000927089-25-000101
- form_type: 8-K
- ticker: QNTO
- cik: 0001391933
- company_name: QUAINT OAK BANCORP, INC.
- filed_at: 2025-05-21T23:59:59+00:00
- event_type: regulatory
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1391933/000092708925000101/0000927089-25-000101-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1391933/000092708925000101/qnto20250519_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000101
- JSON: https://secwatch.observer/filing/0000927089-25-000101.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000101.txt

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