Skip to content
MARKETS / NASDAQ / NSTS
NASDAQ · SAVINGS INSTITUTION, FEDERALLY CHARTERED · SMALL CAP

Nsts Bancorp, Inc. NSTS

6 fiscal years on record · USD · FY2025 reported · SEC filings only
$252,000
▼ 1.6% YoY
$-386,000
$3.9M
▼ 56.7% YoY
In brief

What this company does

The Bank is a wholly owned subsidiary of NSTS Bancorp, Inc., and operates as a traditional savings institution focused primarily on serving the banking needs of customers in our market area of Lake County, Illinois and adjacent communities. We operate from our headquarters and main banking office in Waukegan, Illinois, as well as two additional full-service branch offices located in Waukegan and Lindenhurst, Illinois, respectively. We have three loan production offices in Chicago, Aurora and Plainfield, Illinois. Our primary business activity is attracting deposits from the general public and using those funds to originate one- to four-family residential mortgage loans and purchase investments. North Shore Trust and Savings derives its income principally from interest earned on loans and investment securities, the gain on sale of mortgage loans sold into the secondary mortgage market, and, to a lesser extent, from fees received in connection with the origination of loans, service charges on deposit accounts and for other services.

Written from the business description in NSTS Bancorp, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 27 March 2026. Every sentence was checked against that document before publication.

Growth
USD 252,000.00
Revenue, FY2025 · full 6-year series below
Revenue $M Net income $M
FY2025 · Revenue 0.3 · Net income -0.4
-2M202020212022202320242025
Compound annual growth
−4.7%
−0.2%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at −0.2% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
−153 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -153.2% · Net -153.2%
-500%-1000%202020212022202320242025
ROE
FY2025 · ROE -0.5%
-2%-4%202020212022202320242025

Each USD of equity lost 0 cents this year.

Cash & shareholders
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 3.9
4M8M202020212022202320242025
Net buybacks $M Dividends $M
FY2025 · Dividends — · Net buybacks -0.2
-20M-40M2022202320242025

Total assetsUSD 266.6M
EquityUSD 80.0M
CashUSD 34.0M
DepositsUSD 181.5M

Equity funds 30% of total assets.

The 6-year record
6 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 202520242023202220212020
Revenue $B0.00.00.00.00.00.0
Operating income $B−0.0−0.0−0.00.0−0.0−0.0
EBITDA $B−0.0−0.0−0.00.0−0.0−0.0
Income tax $B0.00.00.00.0−0.0−0.0
Net income $B−0.0−0.0−0.00.0−0.0−0.0
Free cash flow $B0.00.0−0.00.00.0−0.0
EPS, diluted $−0.08−0.16−0.790.01··
Dividend / sh $······
Payout %······
ROE %−0.5−1.0−5.00.0−0.1−0.2
Shares out B0.010.010.010.010.00·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 16 reconciliationsAUDITED

Reconciled in 6 of 19 fiscal years. 41 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivitySavings Institution, Federally Chartered
Listed onNASDAQ
Incorporated innot stated in the filings
Fiscal year endsDecember 31
SEC categoryemerging growth company, smaller reporting company
Data on record since2020

Share this section

Download image