Company research
NSTS Bancorp, Inc.
CIK 1881592Updated Sep 24, 2026
SecurityNSTS · NASDAQ · equity
NSTS price & chart
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NASDAQ:NSTS on TradingView ↗In the news
$HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of NSTS Bancorp, Inc. (NASDAQ: NSTS) ↗
Shareholder Alert: Ademi LLP investigates whether NSTS Bancorp Inc. is obtaining a Fair Price for Public Shareholders ↗
Recent filings
DEFM14A filing
PREM14A filing
10-Q filing
Other Events
Items 8.01
Submission of Matters to a Vote of Security Holders
Items 5.07
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 266,648,000Source | 278,688,000Source | 256,776,000Source | 264,206,000Source |
| Property, Plant and Equipment, NetUSD | 5,113,000Source | 5,311,000Source | 5,285,000Source | 5,035,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 34,042,000Source | 53,481,000Source | 31,388,000Source | 13,147,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 186,674,000Source | 202,198,000Source | 179,231,000Source | 183,664,000Source |
| Stockholders’ equity: | ||||
| Common Stock, Value, IssuedUSD | 56,000Source | 56,000Source | 56,000Source | 54,000Source |
| Additional Paid in CapitalUSD | 52,348,000Source | 51,684,000Source | 50,920,000Source | 50,420,000Source |
| Retained Earnings (Accumulated Deficit)USD | 39,880,000Source | 40,266,000Source | 41,055,000Source | 45,291,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -5,761,000Source | -8,606,000Source | -8,223,000Source | -11,125,000Source |
| Stockholders' Equity Attributable to ParentUSD | 79,974,000Source | 76,490,000Source | 77,545,000Source | 80,542,000Source |
| Liabilities and EquityUSD | 266,648,000Source | 278,688,000Source | 256,776,000Source | 264,206,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | 678,000Source | 767,000Source | 519,000Source | — |
| Deferred Income Tax Expense (Benefit)USD | 0Source | 0Source | 990,000Source | 279,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 4,052,000Source | 9,433,000Source | 431,000Source | 2,989,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -9,768,000Source | -8,163,000Source | 24,950,000Source | -44,478,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 104,000Source | 319,000Source | 516,000Source | 215,000Source |
| Cash flows from financing activities: | ||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | 114,000Source | 109,000Source | — | — |
| Payments for Repurchase of Common StockUSD | 0Source | 970,000Source | 2,381,000Source | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -13,723,000Source | 20,823,000Source | -7,140,000Source | -66,975,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 3,556,000Source | 3,255,000Source | 1,464,000Source | 766,000Source |
| Additional Financial Items | ||||
| Share-based Payment Arrangement, ExpenseUSD | 678,000Source | 767,000Source | 519,000Source | — |
| Bank Owned Life Insurance IncomeUSD | 233,000Source | 220,000Source | 192,000Source | 178,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | 0Source | -1,794,000Source | 0Source |
| DepreciationUSD | 302,000Source | 293,000Source | 266,000Source | 267,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | -172,000Source | — | — | — |
| Gain (Loss) on Sale of Mortgage LoansUSD | 1,565,000Source | 1,245,000Source | 32,000Source | 106,000Source |
| Income Tax Expense (Benefit)USD | 0Source | 0Source | 999,000Source | 146,000Source |
| Net Income (Loss) Attributable to ParentUSD | -386,000Source | -789,000Source | -3,957,000Source | 27,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | 0Source | 49,440,000Source |
| Proceeds from Stock Options ExercisedUSD | 215,000Source | 215,000Source | — | — |
| Provision for Loan, Lease, and Other LossesUSD | -192,000Source | 71,000Source | 176,000Source | — |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | 25,000Source | 168,000Source | — |
| Revenue from Contract with Customer, Including Assessed TaxUSD | 252,000Source | 256,000Source | 270,000Source | 291,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | -386,000Source | -789,000Source | -2,958,000Source | 173,000Source |
| Income Tax Expense (Benefit)USD | 0Source | 0Source | 999,000Source | 146,000Source |
| Net Income (Loss) Attributable to ParentUSD | -386,000Source | -789,000Source | -3,957,000Source | 27,000Source |
| Earnings Per Share, BasicUSD per share | -0.08Source | -0.16Source | -0.79Source | 0.01Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 4,887,508Source | 4,911,461Source | 5,004,498Source | 4,729,236Source |
| Additional Financial Items | ||||
| Bank Owned Life Insurance IncomeUSD | 233,000Source | 220,000Source | 192,000Source | 178,000Source |
| Current Income Tax Expense (Benefit)USD | 0Source | 0Source | 9,000Source | -133,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | -172,000Source | — | — | — |
| Interest ExpenseUSD | — | — | 1,508,000Source | — |
| InterestExpenseOperatingUSD | 3,530,000Source | 3,243,000Source | — | — |
| Interest Income (Expense), NetUSD | 7,463,000Source | 7,061,000Source | 6,220,000Source | 5,584,000Source |
| Labor and Related ExpenseUSD | 6,266,000Source | 5,939,000Source | 4,554,000Source | 3,846,000Source |
| Revenue from Contract with Customer, Including Assessed TaxUSD | 252,000Source | 256,000Source | 270,000Source | 291,000Source |