Company: NSTS
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001437749-25-016849
Chunk: 27

Company: NSTS Bancorp, Inc.
Filing Date: 2025-05-14
Form: 10-Q
Item: Item 8
Chunk 27
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 investment portfolios; and 

      ● 
      estimates of our risks and future costs and benefits. 

These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.

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The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:

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      general economic conditions, either nationally or in our market areas, that are different than expected; 

      ● 
      changes in the level and direction of loan delinquencies and charge-offs and changes in estimates of the adequacy of the allowance for credit losses; 

      ● 
     fluctuations in real estate values and both residential and commercial real estate market conditions;

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      inflation and changes in the interest rate environment that reduce our margins and yields, reduce the fair value of financial instruments or reduce the origination levels in our lending business, or increase the level of defaults, losses and prepayments on loans; 

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      our ability to manage our liquidity and to access cost-effective funding, including significant fluctuations in our deposit accounts; 

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      major catastrophes such as tornadoes, floods or other natural disasters, the related disruption to local, regional and global economic activity and financial markets, and the impact that any of the foregoing may have on us and our customers and other constituencies; 

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      further data processing and other technological changes that may be more difficult or expensive than expected; 

      ● 
      success or consummation of new business initiatives may be more difficult or expensive than expected; 

      ● 
      interruptions involving information technology and communications systems of service providers;  

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      breaches or failures of information security controls or cyber-related incidents;  

      ● 
      demand for loans and deposits in our market area; 

      ● 
      our ability to continue to implement our business strategies; 

      ● 
      competition among depository and other financial institutions; 

      ● 
      adverse changes in the securities markets; 

      ● 
      changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements; 

      ● 
      our ability to manage market risk, credit risk and operational risk in the current economic conditions; 

      ●