Company: NSTS
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001437749-25-009831
Chunk: 688

Company: NSTS Bancorp, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 3
Chunk 688
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. The program was in effect until December 31, 2024. 

The following table sets forth information about the Company's purchases of its common stock during the three months ended December 31, 2024. There were no repurchases during the month ended December 31, 2024. 

      (a) 

      (b) 

      (c) 

      (d) 

      Period 
      
      Total number of Shares Purchased 

      Average Price Paid Per Share 

      Total Number of Shares Purchased As part of Publicly Announced Plans or Programs 

      Maximum Number of Shares that May Yet to be Purchased Under the Plans or Programs 

      October 1 - October 31, 2024 

     12,766

     $
     10.73

     12,766

     201,152

      November 1 - November 31, 2024 

     29,121

     11.13

     29,121

     172,031

      December 1 - December 31, 2024 

     —

     N/A

     —

     172,031

      Total 

     41,887

     $
     11.01

     41,887

     172,031

There were no unregistered sales of NSTS Bancorp, Inc.'s common stock during the year ended December 31, 2024. 

      30

      Table of Contents

Item 6. [Reserved]

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations

This discussion and analysis reflects the consolidated financial statements and other relevant statistical data, and is intended to enhance your understanding of the financial condition and results of operations of NSTS Bancorp, Inc. and North Shore Trust and Savings for the years ended December 31, 2024 and 2023. The purpose of this discussion is to provide information about our financial condition and results of operations which is not otherwise apparent from the consolidated financial statements. You should read the information in this section in conjunction with the other business and financial information provided in this annual report.

Overview

North Shore Trust and Savings is a community-oriented savings institution headquartered in Waukegan, Illinois. Our business strategy is to continually enhance our products and services with a focus on one- to four- family residential first mortgage loans, and to maintain our holdings of commercial real estate and multi-family residential real estate