Here are the 10-K annual reports from NSTS Bancorp, Inc. (NSTS) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow NSTS and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full NSTS filings page.
NSTS Bancorp, Inc., holding company for North Shore Trust and Savings, reports a conservative community banking profile focused on residential mortgage lending in Lake County, Illinois and surrounding markets. As of December 31, 2025, net loans totaled $128.6 million, or 48.2% of total assets, with 1‑4 family residential mortgages making up 91.3% of the loan portfolio.
Asset quality metrics are strong, with non‑performing assets of $284,000, equal to 0.22% of total loans and 0.11% of total assets, and no charge‑offs in 2025 or 2024. The allowance for credit losses was $1.1 million, or 0.87% of loans and 397% of non‑performing loans, supported by a reversal of provision and net recoveries.
The balance sheet includes an available‑for‑sale securities portfolio at fair value of $78.7 million, or 29.5% of assets, primarily agency mortgage‑backed and collateralized mortgage obligations with unrealized losses of $8.1 million tied to higher rates. Deposits were $181.5 million, about half in core transaction and savings accounts, with $41.5 million above FDIC limits. The bank reported no FHLB advances outstanding and a community bank leverage ratio of 24.32%, well above regulatory minimums, underscoring a high capital position.