NSTS Bancorp, Inc.
For the period ended Sep 30, 2025. Filed Nov 13, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 13, 2025
NSTS$14.26+0.5%Stored close · as of Sep 30, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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CONSOLIDATED STATEMENTS OF CASH FLOWS
Consolidated Statements of Cash Flows (unaudited)
| For the nine months ended September 30, | ||
|---|---|---|
| 2025 | 2024 | |
| (Dollars in thousands) | ||
| Cash flows from operating activities: | ||
| Net loss | $(521) | $(743) |
| Adjustments to reconcile net loss to net cash provided by operating activities: | ||
| Depreciation | 227 | 219 |
| Securities amortization and accretion, net | 359 | 393 |
| Loans originated for sale | (55,438) | (33,617) |
| Proceeds from sales of loans held for sale | 58,389 | 34,042 |
| Gain on sale of mortgage loans | (1,089) | (695) |
| (Reversal of) provision for credit losses | (30) | 142 |
| Earnings on bank owned life insurance | (173) | (162) |
| ESOP expense | 191 | 154 |
| Stock based compensation | 504 | 486 |
| Change in deferred income taxes | 949 | 556 |
| Net change in accrued interest receivable and other assets | (810) | (873) |
| Net change in accrued expenses and other liabilities | (1,717) | 172 |
| Net cash provided by operating activities | 841 | 74 |
| Cash flows from investing activities: | ||
| Net change in portfolio loans | (5,285) | (15,753) |
| Principal repayments on mortgage-backed securities | 4,431 | 4,154 |
| Purchases of securities available for sale | (10,850) | — |
| Maturities and calls of securities available for sale | 1,080 | 4,300 |
| Purchase of Federal Home Loan Bank stock | (20) | (35) |
| Net change in time deposits with other financial institutions | 249 | 497 |
| Purchases of premises and equipment, net | (96) | (184) |
| Net cash used in investing activities | (10,491) | (7,021) |
| Cash flows from financing activities: | ||
| Net change in deposits | (4,089) | 11,061 |
| Net change in escrow deposits | (499) | (508) |
| Repayment of FHLB Advance | (5,000) | — |
| Purchase of treasury shares (None and 51,845 shares for the nine months ended September 30, 2025 and 2024, respectively) | — | (508) |
| Purchase of treasury stock from taxes withheld on stock awards | (108) | (109) |
| Proceeds from exercise of stock options | — | 215 |
| Net cash (used in) provided by financing activities | (9,696) | 10,151 |
| Net change in cash and cash equivalents | (19,346) | 3,204 |
| Cash and cash equivalents at beginning of period | 53,481 | 31,388 |
| Cash and cash equivalents at end of period | $34,135 | $34,592 |
| Supplemental disclosures of cash flow information: | ||
| Cash paid during the period for interest | $2,752 | $2,320 |
| Loans transferred to held for sale from portfolio, net | 2,744 | 2,470 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.