NSTS Bancorp, Inc.
For the period ended Jun 30, 2026. Filed Aug 13, 2026.
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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.
Jun 30, 2026 · Filed Aug 13, 2026
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 six months ended June 30, | ||
|---|---|---|
| 2026 | 2025 | |
| (Dollars in thousands) | ||
| Cash flows from operating activities: | ||
| Net loss | $(243) | $(586) |
| Adjustments to reconcile net loss to net cash provided by (used in) operating activities: | ||
| Depreciation | 150 | 152 |
| Securities amortization and accretion, net | 209 | 242 |
| Loans originated for sale | (31,334) | (38,366) |
| Proceeds from sales of loans held for sale | 40,582 | 38,595 |
| Gain on sale of mortgage loans | (841) | (696) |
| (Reversal of) provision for credit losses | (25) | 20 |
| Earnings on bank owned life insurance | (1,041) | (113) |
| ESOP expense | 138 | 127 |
| Stock based compensation | 588 | 332 |
| Change in deferred income taxes | (88) | 628 |
| Net change in accrued interest receivable and other assets | 134 | (434) |
| Net change in accrued expenses and other liabilities | 219 | (1,922) |
| Net cash provided by (used in) operating activities | 8,448 | (2,021) |
| Cash flows from investing activities: | ||
| Net change in portfolio loans | (3,177) | (5,222) |
| Principal repayments on mortgage-backed securities | 3,495 | 2,545 |
| Maturities and calls of securities available for sale | 80 | 1,080 |
| Purchase of Federal Home Loan Bank stock | — | (20) |
| Net change in time deposits with other financial institutions | 498 | — |
| Proceeds from bank owned life insurance death benefit | 1,395 | — |
| Purchases of premises and equipment, net | (37) | (93) |
| Net cash provided by (used in) investing activities | 2,254 | (1,710) |
| Cash flows from financing activities: | ||
| Net change in deposits | 2,606 | 2,804 |
| Net change in escrow deposits | 288 | 42 |
| Repayment of FHLB Advance | — | (5,000) |
| Purchase of treasury stock from taxes withheld on stock awards | (116) | (108) |
| Net cash provided by (used in) financing activities | 2,778 | (2,262) |
| Net change in cash and cash equivalents | 13,480 | (5,993) |
| Cash and cash equivalents at beginning of period | 34,042 | 53,481 |
| Cash and cash equivalents at end of period | $47,522 | $47,488 |
| Supplemental disclosures of cash flow information: | ||
| Cash paid during the period for interest | $1,454 | $1,877 |
| Loans transferred to held for sale from portfolio, net | 5,317 | 2,744 |
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