NSTS Bancorp, Inc.
For the period ended Dec 31, 2025. Filed Mar 27, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 27, 2026
NSTS$14.26+0.5%Stored close · as of Sep 30, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Item 8. CONSOLIDATED FINANCIAL STATEMENTS
NSTS BANCORP, INC. AND SUBSIDIARIES
Consolidated Balance Sheets
| Year ended December 31, | ||
|---|---|---|
| 2025 | 2024 | |
| (Dollars in thousands) | ||
| Assets: | ||
| Cash and due from banks | $1,242 | $1,223 |
| Interest-bearing bank deposits | 32,800 | 52,258 |
| Cash and cash equivalents | 34,042 | 53,481 |
| Time deposits with other financial institutions | 1,245 | 1,494 |
| Securities available for sale | 78,719 | 71,249 |
| Federal Home Loan Bank stock (FHLB) | 605 | 585 |
| Loans held for sale | 4,459 | 1,218 |
| Loans, net of unearned income | 129,763 | 131,557 |
| Allowance for credit losses on loans | (1,128) | (1,201) |
| Loans, net | 128,635 | 130,356 |
| Premises and equipment, net | 5,113 | 5,311 |
| Accrued interest receivable | 925 | 870 |
| Bank-owned life insurance (BOLI) | 9,894 | 9,661 |
| Other assets | 3,011 | 4,463 |
| Total assets | $266,648 | $278,688 |
| Liabilities: | ||
| Deposits: | ||
| Noninterest bearing | $13,306 | $11,896 |
| Interest-bearing | ||
| Demand and NOW checking | 14,289 | 14,930 |
| Money market | 25,735 | 28,967 |
| Savings | 38,660 | 41,544 |
| Time deposits over $250,000 | 23,370 | 21,990 |
| Other time deposits | 66,112 | 70,829 |
| Total deposits | 181,472 | 190,156 |
| Escrow deposits | 1,599 | 1,739 |
| Other borrowings | — | 5,000 |
| Accrued expenses and other liabilities | 3,603 | 5,303 |
| Total liabilities | 186,674 | 202,198 |
| Stockholders' equity: | ||
| Common stock | 56 | 56 |
| Treasury stock, at cost | (3,087) | (3,240) |
| Additional paid-in capital | 52,348 | 51,684 |
| Retained earnings | 39,880 | 40,266 |
| Unallocated common shares held by ESOP | (3,462) | (3,670) |
| Accumulated other comprehensive loss, net | (5,761) | (8,606) |
| Total stockholders' equity | 79,974 | 76,490 |
| Total liabilities and stockholders' equity | $266,648 | $278,688 |
| December 31, 2025 | December 31, 2024 | |
|---|---|---|
| Common Stock | Common Stock | |
| Par value | $0.01 | $0.01 |
| Shares authorized | 10,000,000 | 10,000,000 |
| Shares issued | 5,599,859 | 5,601,859 |
| Shares outstanding | 5,261,533 | 5,249,826 |
| Treasury shares | 338,326 | 352,033 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.