Company: NSTS
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001437749-25-009831
Chunk: 330

Company: NSTS Bancorp, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 16
Chunk 330
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 (BOLI)   9,661   9,441 
 Other assets   4,463   4,225 
 Total assets  $278,688  $256,776 
 Liabilities:         
 Deposits:         
 Noninterest bearing  $11,896  $12,424 
 Interest-bearing         
 Demand and NOW checking   14,930   15,346 
 Money market   28,967   32,027 
 Savings   41,544   41,774 
 Time deposits over $250,000   21,990   9,975 
 Other time deposits   70,829   57,280 
 Total deposits   190,156   168,826 
 Escrow deposits   1,739   1,382 
 Other borrowings   5,000   5,000 
 Accrued expenses and other liabilities   5,303   4,023 
 Total liabilities   202,198   179,231 
 Stockholders' equity:         
 Common stock ($0.01 par value; 10,000,000 shares authorized; 5,249,826 and 5,315,261 shares outstanding at December 31, 2024 and December 31, 2023, respectively)   56   56 
 Treasury Stock, at cost (352,033 and 269,898 shares at December 31, 2024 and 2023, respectively)   (3,240)  (2,381)
 Additional paid-in capital   51,684   50,920 
 Retained earnings   40,266   41,055 
 Unallocated common shares held by ESOP   (3,670)  (3,882)
 Accumulated other comprehensive loss, net   (8,606)  (8,223)
 Total stockholders' equity   76,490   77,545 
 Total liabilities and stockholders' equity  $278,688  $256,776 

See accompanying notes to consolidated financial statements

      48

      NSTS BANCORP, INC. AND SUBSIDIARIES 

      Consolidated Statements of Operations 

      Year ended December 31,  
   2024    2023  
  (Dollars in thousands) 
 Interest income: