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.
NSTS Bancorp, Inc. filings document the company’s role as the Delaware holding company for North Shore Trust and Savings and the governance records of a public savings institution holding company. Proxy materials cover annual meeting procedures, director election matters, stockholder voting mechanics, and the annual report process tied to the company’s Form 10-K.
Material event reports include leadership and officer changes involving the company and its bank subsidiary, related press-release exhibits, and other Item 5.02 and Item 8.01 disclosures. The filing record also frames recurring holding-company subjects such as executive roles, board composition, subsidiary governance, financial reporting, and stockholder communications.
NSTS Bancorp reported a modest profit for the quarter. For the three months ended September 30, 2025, net income was $65,000 (basic and diluted EPS $0.01), compared with a loss a year ago. Net interest income was $1.95M, aided by a $50,000 reversal of credit loss provision. Noninterest income rose, led by gain on sale of mortgage loans of $393,000. Total noninterest expense was $2.50M.
Total assets were $269.8M and deposits were $186.1M as of September 30, 2025. Loans, net, increased to $132.9M, with nonaccrual loans at $285,000. Securities available for sale rose to $79.6M, and other comprehensive income added $805,000 this quarter. The company repaid its $5.0M FHLB advance, leaving no borrowings outstanding at quarter‑end. Capital remained strong; the Bank’s Tier 1 leverage ratio was 24.11% under the CBLR, categorized as well capitalized.
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.