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NSTS on Nasdaq

NSTS Bancorp, Inc.

NSTS Bancorp, Inc. is a savings institution company, listed on Nasdaq (NSTS).1 It is headquartered in Waukegan, Illinois.1

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Last updated Oct 21, 2026.

Overview

Compare with Broadway Federal Bank, 1st Constitution Bancorp or Fifth District Bancorp, Inc., or pick any stock.

  • TickerNSTS on Nasdaq1
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersWaukegan, Illinois1
  • Business address700 Lewis Ave., Waukegan, Il 600852
  • Filer category, Emerging growth company2

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This filing contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and words of similar meaning. These forward-looking statements include, but are not limited to:3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

-153.2%Net margin4
-1.6%Revenue growth, 20254
-0.5%Return on equity4
$3.9MFree cash flow4

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs100¢$252.0K

Out of $252.0K in revenue.4 The company lost money this year.

Where each dollar of operating cash went, fiscal 2025

  • Capital spending3¢$104.0K
  • Kept or used elsewhere97¢$3.9M

Out of $4.1M of cash from operations.4

Financial statements

Revenue56784$252.0K in 2025−1% since 2020
0$100.0K$200.0K$300.0K2020: $255.0K$255.0K20202021: $289.0K$289.0K2021+13%2022: $291.0K$291.0K2022+1%2023: $270.0K$270.0K2023−7%2024: $256.0K$256.0K2024−5%2025: $252.0K$252.0K2025−2%
Net income56784-$386.0K in 2025+245% since 2020
-$4.0M-$3.0M-$2.0M-$1.0M0$1.0M2020: -$112.0K-$112.0K20202021: -$55.0K-$55.0K2021−51%2022: $27.0K$27.0K20222023: -$4.0M-$4.0M20232024: -$789.0K-$789.0K2024−80%2025: -$386.0K-$386.0K2025−51%

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Loans, including fees$7.5M$6.8M
Taxable$1.5M$1.5M
Tax-exempt$241.0K$244.0K
Federal funds sold and other$1.7M$1.6M
Time deposits with other financial institutions$65.0K$85.0K
FHLB stock$34.0K$38.0K
Total interest income$11.0M$10.3M
Deposits$3.4M$3.0M
Other borrowings$113.0K$243.0K
Total interest expense$3.5M$3.2M
Net interest income$7.5M$7.1M
(Reversal of) provision for credit losses-$192.0K$71.0K
Net interest income after provision for credit losses$7.7M$7.0M
Gain on sale of mortgage loans$1.6M$1.2M
Rental income on office building$65.0K$64.0K
Service charges on deposits$252.0K$256.0K
Increase in cash surrender value of BOLI$233.0K$220.0K
Other$157.0K$156.0K
Total noninterest income$2.3M$1.9M
Salaries and employee benefits$6.3M$5.9M
Equipment and occupancy$875.0K$782.0K
Data processing$951.0K$884.0K
Professional services$570.0K$513.0K
Advertising$141.0K$286.0K
Supervisory fees and assessments$150.0K$142.0K
Loan expenses$301.0K$212.0K
Deposit expenses$292.0K$239.0K
Director fees$210.0K$215.0K
Other$557.0K$508.0K
Total noninterest expense$10.3M$9.7M
Loss before income taxes-$386.0K-$789.0K
Income tax expense$0$0
Net loss-$386.0K-$789.0K
Basic and diluted loss per share (in dollars per share)-$0.08-$0.16
Weighted average shares outstanding (in shares)4.9M shares4.9M shares

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Corporate structure

NSTS Bancorp, Inc. sits at the top of its group. 1 entity on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of NSTS Bancorp, Inc.

  • NSTS Bancorp, Inc. Waukegan, Illinois

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What NSTS Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land and buildings$3.0M4 Dec 31, 2025$2.9M4 Dec 31, 2024+0.4%
Buildings and improvements$7.3M4 Dec 31, 2025$7.3M4 Dec 31, 2024+0.5%
Furniture and fixtures$1.5M4 Dec 31, 2025$1.5M4 Dec 31, 2024+3.7%
Property and equipment, before depreciation$11.8M4 Dec 31, 2025$11.7M4 Dec 31, 2024+0.9%
Accumulated depreciation$6.7M4 Dec 31, 2025$6.4M4 Dec 31, 2024+4.7%
Property and equipment, net$5.1M4 Dec 31, 2025$5.3M4 Dec 31, 2024−3.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$34.0M4 Dec 31, 2025$53.5M4 Dec 31, 2024−36.3%
Debt securities available for sale$71.2M8 Dec 31, 2024$82.1M8 Dec 31, 2023−13.3%
Loans, net of allowance$128.6M4 Dec 31, 2025$130.4M4 Dec 31, 2024−1.3%
Deposits held (banks)$181.5M4 Dec 31, 2025$190.2M4 Dec 31, 2024−4.6%

Properties, in its own words

We currently conduct business from our main office, two full-service branch offices and three loan production offices. The following table sets forth the net book value of the land, building and leasehold improvements and certain other information with respect to our offices at December 31, 2025.

Description/Address · Net Book Value of Property · Amount of Deposits

The rest of Item 2

Main Office:

700 S. Lewis Avenue, Waukegan, Illinois 60085 · 847 · 105,906

Branch Offices:

1233 N. Green Bay Road, Waukegan, Illinois 60085 · 1,026 · 48,858

3060 W. Sand Lake Road, Lindenhurst, Illinois 60046 · 3,126 · 26,708

Total · 4,999 · 181,472

Loan Production Offices:

875 North Michigan Avenue, Chicago, Illinois 60611(1) · N/A · N/A

75 Executive Dr, Aurora, Illinois 60504(1) · N/A · N/A

24252 West Main Street, Plainfield, Illinois 60544(1) · N/A · N/A

(1) · The loan production offices are leased by North Shore Trust and Savings and do not accept deposits. The leases are short-term in nature and expire in 3-12 months and are expected to be renewed.

Item 2 of the 10-K filed Mar 27, 2026.3

Leadership

Who has led NSTS Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Stephen G. Lear2022–now

President

  1. Nathan E. Walker2022–2023

Chief financial officer

  1. Carissa H. Schoolcraft2022–now
2025
Board members and other officers (11)

Timeline

  1. Oct 1, 20268-K Completed an acquisition or sale; Listing notice or transfer; Change to shareholders' rights24
  2. Jun 4, 20268-K Other events25
  3. Jun 1, 20268-K Shareholder vote26
  4. May 12, 20268-K Entered a material agreement; Regulation FD disclosure27
  5. Apr 9, 20268-K Executive or director change; Other events28
  6. Jun 18, 20258-K Executive or director change29
  7. May 22, 20258-K Shareholder vote30
  8. Feb 10, 20258-K Listing notice or transfer31
  9. May 24, 20248-K Shareholder vote32
  10. Apr 22, 20248-K Executive or director change33
  11. Dec 22, 20238-K Other events34
  12. Dec 21, 20238-K Other events35
  13. Jan 18, 2022New chief executive Stephen G. Lear becomes CEO11

Filings

125 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 23 major events, 50 insider forms, 5 large holders, 27 other. The latest 20:

  1. Oct 13, 202615-12G EDGAR
  2. Oct 2, 2026SCHEDULE 13G/A EDGAR
  3. Oct 2, 20264 EDGAR
  4. Oct 2, 20264 EDGAR
  5. Oct 2, 20264 EDGAR
  6. Oct 2, 20264 EDGAR
  7. Oct 2, 20264 EDGAR
  8. Oct 2, 20264 EDGAR
  9. Oct 2, 20264 EDGAR
  10. Oct 2, 20264 EDGAR
  11. Oct 2, 20264 EDGAR
  12. Oct 1, 2026S-8 POS EDGAR
  13. Oct 1, 20268-K EDGAR
  14. Oct 1, 202625-NSE EDGAR
  15. Aug 31, 2026DEFM14A EDGAR
  16. Aug 19, 2026PREM14A EDGAR
  17. Aug 13, 202610-Q EDGAR
  18. Jun 4, 20268-K EDGAR
  19. Jun 1, 20268-K EDGAR
  20. May 14, 202610-Q EDGAR

The 125 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

14 open-market trades by officers, directors and large owners since October 2021: 13 buys and 1 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 12, 2024Ivantic Thomas MDirectorSale530$10.06$5.3KForm 4
Jan 21, 2022Schoolcraft Carissa HChief Financial OfficerBuy5,000$12.50$62.5KForm 4
Jan 18, 2022Arenas ApolonioDirectorBuy10,000$10.00$100.0KForm 4
Jan 18, 2022True Rodney J,DirectorBuy10,000$10.00$100.0KForm 4
Jan 18, 2022Walker Nathan EExecutive Vice PresidentBuy2,500$10.00$25.0KForm 4
Jan 18, 2022DOLAN KEVIN MDirectorBuy30,000$10.00$300.0KForm 4
Jan 18, 2022Walker Nathan EExecutive Vice PresidentBuy30,000$10.00$300.0KForm 4
Jan 18, 2022True Rodney J,DirectorBuy30,000$10.00$300.0KForm 4
Jan 18, 2022Lear Stephen G.Chief Executive OfficerBuy30,000$10.00$300.0KForm 4
Jan 18, 2022Kneesel Thomas JDirectorBuy20,000$10.00$200.0KForm 4
Jan 18, 2022Ivantic Thomas MDirectorBuy20,000$10.00$200.0KForm 4
Jan 18, 2022Bond Thaddeus M. Jr.DirectorBuy30,000$10.00$300.0KForm 4
Jan 18, 2022Avakian Amy LChief Lending OfficerBuy30,000$10.00$300.0KForm 4
Jan 18, 2022Arenas ApolonioDirectorBuy17,500$10.00$175.0KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Stephen G. Lear$214.5K$319.4K38
2025Nathan E. Walker$220.1K$281.0K38
2025Carissa H. Schoolcraft$180.0K$220.5K38
2025Amy L. Avakian$160.0K$198.1K38
2024ChairmanPresident and Chief Executive Officer$214.5K$323.7K38
2024Chief Executive Officer of the Bank and$198.5K$257.5K38
2024Chief Financial Officer of the Bank and the Company$166.7K$208.9K38
2024Chief Lending Officer and Vice President of the Bank$150.3K$190.7K38
2023of the CompanyChairman of the Bank$214.5K$987.6K38
2023Executive VicePresident of the Company$191.8K$871.8K38
2023Chief Financial Officer of the Bank and the Company$160.8K$571.3K38
2023Chief Lending Officer and Vice President of the Bank$145.1K$456.8K38

SEC filer profile

How NSTS Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARNSTS Bancorp, Inc.1
  • CIK0001881592
  • Employer ID (EIN)87-25227693
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inDelaware3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address700 Lewis Ave., Waukegan, IL 600851
  • Phone847-336-44301
  • Shares outstanding5,253,131 as of Aug 6, 202610
  • Public float$60.6M as of Jun 30, 20253
  • AuditorPlante & Moran, PLLC, Chicago, Illinois PCAOB ID 166; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceSep 13, 20211
  • Filings126 in all: 4 (35), 8-K (23), 10-Q (15), 3 (12), 10-K (5), DEF 14A (5), DEFA14A (5), 5 (3)1
    All 27 form types

    CORRESP (3), S-1/A (2), SCHEDULE 13G/A (2), 144 (1), 15-12G (1), 25-NSE (1), 424B3 (1), 8-A12B (1), CERT (1), DEFM14A (1), EFFECT (1), PREM14A (1), S-1 (1), S-8 (1), S-8 POS (1), SC 13G (1), SC 13G/A (1), SCHEDULE 13G (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 27, 2026
    Quarterly report (10-Q) Aug 13, 2026
    Proxy statement (DEF 14A) Apr 17, 2026
    Latest 8-K (8-K) Oct 1, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 shareNSTSNASDAQ

From the cover page of the 10-K filed Mar 27, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

Legal proceedings

We are not presently involved in any legal proceedings of a material nature. From time to time, we are subject to various legal actions arising in the normal course of our business. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on our financial condition, results of operations or cash flows.

The opening of Item 3, Legal Proceedings.3

Sources

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