Welcome to our dedicated page for NSTS Bancorp SEC filings (Ticker: NSTS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The NSTS Bancorp, Inc. (NSTS) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as the stock holding company for North Shore Trust and Savings. NSTS Bancorp, Inc. is a savings and loan holding company regulated by the Federal Reserve Board, and its filings offer detail on the operations of its traditional savings institution serving Lake County, Illinois and adjacent communities.
Through this page, users can review core SEC documents such as annual reports on Form 10-K and quarterly reports on Form 10-Q, where NSTS typically discusses its financial condition, results of operations and regulatory capital position. Filings may also describe the structure of North Shore Trust and Savings, its branch network in Waukegan and Lindenhurst, Illinois, and its focus on serving local businesses, retail customers and municipalities.
Investors can also use this page to track current reports on Form 8-K, which may address events such as stock repurchase program authorizations, balance sheet repositioning transactions involving available-for-sale investment securities, or changes in directors and executive officers. For those monitoring insider activity, beneficial ownership and executive compensation, related proxy materials and Forms 3, 4 and 5 are accessible as they are filed.
Stock Titan enhances these filings with AI-powered summaries that highlight key points from lengthy documents, helping readers understand complex topics such as capital management actions, valuation allowances on deferred tax assets and regulatory capital disclosures. Real-time updates from the SEC’s EDGAR system ensure that new NSTS filings appear promptly, while AI-generated insights make it easier to interpret how reported events relate to the company’s community banking operations and holding company structure.
NSTS Bancorp reported a modest profit for the quarter. For the three months ended September 30, 2025, net income was
Total assets were
NSTS Bancorp reported selected interim disclosures from its Form 10-Q. The company had 5,239,038 shares outstanding at June 30, 2025 (5,249,826 at December 31, 2024) of 10,000,000 shares authorized. Securities available-for-sale totaled $260,000 at June 30, 2025 versus $278,000 at December 31, 2024, with municipal bonds paying as agreed and no declines in bond investment grades in a loss position. Custodial escrow balances related to serviced loans were $342,000 at June 30, 2025 versus $236,000 at December 31, 2024. The company maintained an allowance for off-balance-sheet exposures of $45,000 as of June 30, 2025 and 2024, and provisions for credit losses excluded $13,000 and $21,000 for the three and six months ended June 30, 2025, respectively, related to off-balance-sheet exposures. No interest was recognized on non-accrual loans for the six months ended June 30, 2025 and 2024, and there were no loan modifications for borrowers experiencing financial difficulty in those periods. Management states the Bank met applicable capital adequacy requirements and continues to elect the Community Bank Leverage Ratio framework.
Key facts: Director John S. Pucin filed a Form 3 with the SEC on 06/18/2025 disclosing his initial beneficial ownership in NSTS Bancorp, Inc. (ticker NSTS).
The filing shows direct ownership of 1,000 common shares; no derivative securities, options, or indirect holdings were reported. The document is purely administrative, establishing Mr. Pucin’s insider status under Section 16(a). It contains no financial results, strategic announcements, or share-purchase transactions.
Given the small share count and absence of other material information, the filing is unlikely to influence the company’s valuation or near-term outlook.