NSTS Bancorp, Inc. (NSTS) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, NSTS Bancorp reported revenue of $9.7M, up 8.1% from $9.0M the year before. Net income was -$386,000 (a -4.0% net margin). Net interest income was $7.5M, and the efficiency ratio (noninterest expense / revenue) was 105.9%. Operating activities generated $4.1M of cash, leaving $3.9M of free cash flow. At fiscal year end, NSTS Bancorp held $266.6M in total assets against $186.7M in total liabilities, including $34.0M of cash and equivalents.
Open the full interactive NSTS Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
NSTS Bancorp Key Stats
| Share Price | $14.26 |
|---|---|
| Market Cap | $70.2M |
| Revenue YoY Growth | +8.1% |
| 52-Week Range | $10.83 – $14.26 |
| Shares Outstanding | 4.9 million (basic, 2026 Q2) |
NSTS Bancorp Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | $4.1M | $5.6M | $6.2M | $7.1M | $7.5M |
| Provision for Credit Losses | -$23,000 | -$230,000 | $176,000 | $71,000 | -$192,000 |
| Noninterest Income | $1.2M | $1.2M | -$1.1M | $1.9M | $2.3M |
| Noninterest Expense | $5.6M | $6.9M | $7.9M | $9.7M | $10.3M |
| Revenue | $5.3M | $6.8M | $5.1M | $9.0M | $9.7M |
| Pre-Tax Income | -$269,000 | $173,000 | -$3.0M | -$789,000 | -$386,000 |
| Income Tax | -$214,000 | $146,000 | $999,000 | $0 | $0 |
| Net Income | -$55,000 | $27,000 | -$4.0M | -$789,000 | -$386,000 |
NSTS Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $2.5M | $2.5M | $2.5M | $3.2M |
| Net Income | $65,000 | $135,000 | -$39,000 | -$204,000 |
| Diluted EPS | $0.01 | — | — | — |
NSTS Bancorp Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $121.6M | $13.1M | $31.4M | $53.5M | $34.0M |
| Loans (Net) | $96.5M | $103.4M | — | — | $128.6M |
| Total Assets | $340.9M | $264.2M | $256.8M | $278.7M | $266.6M |
| Deposits | $285.6M | $178.7M | $168.8M | $190.2M | $181.5M |
| Total Long-Term Debt | $5.0M | — | $5.0M | $5.0M | — |
| Total Liabilities | $295.7M | $183.7M | $179.2M | $202.2M | $186.7M |
| Shareholders' Equity | $45.2M | $80.5M | $77.5M | $76.5M | $80.0M |
NSTS Bancorp Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $1.5M | $3.0M | $431,000 | $9.4M | $4.1M |
| Cash From Investing | -$11.8M | -$44.5M | $24.9M | -$8.2M | -$9.8M |
| Cash From Financing | $100.1M | -$67.0M | -$7.1M | $20.8M | -$13.7M |
| Free Cash Flow | $1.3M | $2.8M | -$85,000 | $9.1M | $3.9M |
Figures from NSTS Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full NSTS Bancorp financials page for every line item.
NSTS Bancorp Company Profile
| Ticker | NSTS |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Waukegan, Illinois |
| Fiscal Year End | December 31 |
| SEC Filer Category | Emerging growth company |
| SEC CIK | 0001881592 |
Frequently Asked Questions
What was NSTS Bancorp's revenue in fiscal 2025?
NSTS Bancorp (NSTS) reported revenue of $9.7M for fiscal 2025.
What is NSTS Bancorp's annual revenue history?
NSTS Bancorp's annual revenue by fiscal year: 2021: $5.3M; 2022: $6.8M; 2023: $5.1M; 2024: $9.0M; 2025: $9.7M.
What was NSTS Bancorp's net income in fiscal 2025?
NSTS Bancorp reported net income of -$386,000 for fiscal 2025.
How much free cash flow did NSTS Bancorp generate in fiscal 2025?
NSTS Bancorp generated $3.9M of free cash flow in fiscal 2025.
What was NSTS Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), NSTS Bancorp reported revenue of $3.2M.
How many shares of NSTS Bancorp are outstanding?
NSTS Bancorp reported a weighted average of 4.9 million basic shares outstanding in 2026 Q2.
What is NSTS Bancorp's market cap?
Based on its latest closing price, NSTS Bancorp (NSTS) has a market capitalization of about $70.2M.
When does NSTS Bancorp's fiscal year end?
NSTS Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is NSTS Bancorp headquartered?
NSTS Bancorp lists its business address in Waukegan, Illinois in its SEC filings.
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