NSTS
NSTS Bancorp, Inc.11.72
-0.05-0.43%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
61.40MP/E (TTM)
-Basic EPS (TTM)
-0.12Dividend Yield
0%Recent Filings
10-Q
Q3 FY2025 results
NSTS Bancorp swung to a $65K net profit in Q3 2025, up from a $171K loss a year earlier, thanks to net interest income climbing 6.3% y/y to $1.95M on higher loan yields (5.68% vs. 5.31%) and a $50K credit loss reversal. Mortgage sales fueled noninterest income, jumping 33% y/y to $564K from $57.3M in originations sold. Yet expenses edged up 3.8% y/y to $2.50M, driven by staffing for loan growth. Cash dipped to $34.1M after repaying a $5M FHLB advance, leaving $78.5M borrowing capacity and no debt. Loans grew 2.0% y/y to $133.8M, with nonaccruals at a slim 0.21%. Deposits slipped 2.1% y/y to $186.1M. Solid margins persist. Interest rate volatility lingers as a key watchpoint.
10-Q
Q2 FY2025 results
NSTS Bancorp narrowed its Q2 net loss to $258K from $326K a year earlier, buoyed by stronger mortgage sales yielding $507K in gains on $28M of loans, up from $271K on $13.2M. Net interest income edged up 1.1% y/y to $1.8M, with loan yields climbing 21 bps to 5.32%, though margins slipped to 2.77% amid higher deposit costs at 1.95%. For the half-year, the net loss widened slightly to $586K from $572K, as noninterest expenses rose 11.1% to $5.3M on added staff and loan activity. Loans grew 1.9% q/q to $133.6M, deposits climbed 1.5% to $193M, and cash stood at $47.5M after repaying a $5M FHLB advance, leaving $81.5M in borrowing capacity. EPS checks out at -$0.05 for the quarter on 4.89M diluted shares. Yet competition in Chicagoland lending could pressure future originations.
8-K
Pucin joins NSTS board
NSTS Bancorp appointed John S. Pucin, a seasoned legal and management expert, to its Board of Directors and that of North Shore Trust and Savings on June 18, 2025, filling the vacancy from Thaddeus M. Bond Jr.'s passing in late 2024. Pucin's expertise in litigation, compliance, and leadership bolsters board oversight. He joins the Audit Committee, restoring Nasdaq compliance. No related party ties disclosed.
8-K
Annual meeting elects directors, eyes merger
NSTS Bancorp held its annual stockholder meeting on May 21, 2025, with 74.42% of shares represented. Shareholders elected Emily E. Ansani and Thomas M. Ivantic to three-year board terms, despite significant withheld votes, and ratified Plante & Moran as auditors for 2025. A non-binding proposal for the company to sell or merge passed narrowly with 1.56 million for votes, signaling investor pressure for strategic change. Yet the board holds sway.
10-Q
Q1 FY2025 results
NSTS Bancorp posted a $0.3M net loss for Q1 FY2025 ended March 31, 2025, up from $0.2M a year earlier, as noninterest expenses climbed 12% y/y to $2.5M on higher salaries and loan costs from expanded lending. Yet net interest income rose 7% y/y to $1.8M, fueled by 67 bps higher loan yields at 5.38% on a 7% bigger average loan book, while a $37K reversal of credit provisions (derived) aided the bottom line. Deposits grew 2% q/q to $193.7M, bolstering $57.5M in cash equivalents; the $5M FHLB borrowing matures June 2025 at 4.8%, with $74.1M more capacity available. Loans held steady at $130.2M net, with nonaccruals at just 0.2%. The portfolio stays pristine. Interest rate swings pose the main risk.
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