Company: NSTS
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001437749-25-026943
Chunk: 51

Company: NSTS Bancorp, Inc.
Filing Date: 2025-08-14
Form: 10-Q
Item: Item 1
Chunk 51
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 authorized; 5,239,038 shares outstanding at June 30, 2025 and 5,249,826 shares at December 31, 2024)   56   56 
 Treasury Stock, at cost (360,821 shares at June 30, 2025 and 352,033 shares at December 31, 2024)   (3,348)  (3,240)
 Additional paid-in capital   52,037   51,684 
 Retained earnings   39,680   40,266 
 Unallocated common shares held by ESOP   (3,564)  (3,670)
 Accumulated other comprehensive loss, net   (7,028)  (8,606)
 Total stockholders' equity   77,833   76,490 
 Total liabilities and stockholders' equity  $275,976  $278,688 

See accompanying notes to consolidated unaudited financial statements

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NSTS BANCORP, INC.

Consolidated Statements of Operations (unaudited)

      For the three months ended    For the six months ended  
   June 30,    June 30,  
   2025    2024    2025    2024  
   (Dollars in thousands)  
 Interest income:                 
 Loans, including fees  $1,793  $1,721  $3,593  $3,196 
 Securities                 
 Taxable   335   387   690   805 
 Tax-exempt   61   61   121   124 
 Federal funds sold and other   522   357   1,030   774 
 Time deposits with other financial institutions   18   28   36   51 
 FHLB Stock   9   9   18   18 
 Total interest income   2,738   2,563   5,488   4,968 
 Interest expense:                 
 Deposits   877   714   1,736   1,354 
 Other borrowings   53   61   113   121 
 Total interest expense   930   775   1,849   1,475