Company: NSTS
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001437749-25-026943
Chunk: 7

Company: NSTS Bancorp, Inc.
Filing Date: 2025-08-14
Form: 10-Q
Item: Item 8
Chunk 7
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 for comparable transactions with other customers and do not involve more than a normal risk of collectability. At  June 30, 2025 and  December 31, 2024, such borrowers were indebted to the Bank in the aggregate amount of $575,000 and $587,000, respectively.

       10

   The following tables present the activity in the allowance for credit losses ("ACL") for the three and six months ended  June 30, 2025 and 2024:

       June 30, 2025  
   1-4 family                      
   residential    Multi-family    Commercial    Construction    Consumer    Total  
   (Dollars in thousands)  
 Three months ended                         
 Beginning balance  $1,034  $37  $38  $45  $2  $1,156 
 Charge-offs   —   —   —   —   —   — 
 Recoveries   —   —   —   —   —   — 
 Net recoveries (charge-offs)   —   —   —   —   —   — 
 Provision for credit losses   22   —   6   16   —    44  
 Ending balance  $1,056  $37  $44  $61  $2  $1,200 

       June 30, 2025  
   1-4 family                      
   residential    Multi-family    Commercial    Construction    Consumer    Total  
   (Dollars in thousands)  
 Six months ended                         
 Beginning balance  $1,056  $37  $41  $65  $2  $1,201 
 Charge-offs   —   —   —   —   —   — 
 Recoveries   —   —   —   —   —   — 
 Net recoveries (charge-offs)   —   —   —   —   —   — 
 Provision for (release of) credit losses   —   —   3   (4)  —   (1)
 Ending balance  $