About NSTS Bancorp, Inc.
https://www.northshoretrust.comNSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate, construction, home equity, and consumer loans.

CEO
Stephen G. Lear
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 2 of 12
Ratings Snapshot
Rating : C+
Price Target
Institutional Ownership

ALLIANCEBERNSTEIN L.P.
Shares:518.32K
Value:$6.5M

VANGUARD GROUP INC
Shares:248.31K
Value:$3.12M

RAFFLES ASSOCIATES LP
Shares:93.77K
Value:$1.18M
Summary
Showing Top 3 of 22
About NSTS Bancorp, Inc.
https://www.northshoretrust.comNSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate, construction, home equity, and consumer loans.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $3.32M ▼ | $2.43M ▼ | $65K ▲ | 1.96% ▲ | $0.01 ▲ | $140K ▲ |
| Q2-2025 | $3.39M ▲ | $2.67M ▲ | $-258K ▲ | -7.6% ▲ | $-0.05 ▲ | $-181K ▲ |
| Q1-2025 | $2.99M ▼ | $2.44M ▼ | $-328K ▼ | -10.96% ▼ | $-0.07 ▼ | $-253K ▼ |
| Q4-2024 | $3.32M ▲ | $2.5M ▲ | $-46K ▲ | -1.39% ▲ | $-0.01 ▲ | $28K ▲ |
| Q3-2024 | $3.03M | $2.35M | $-171K | -5.64% | $-0.03 | $-101K |
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $36.18M ▼ | $269.84M ▼ | $190.9M ▼ | $78.94M ▲ |
| Q2-2025 | $49.94M ▼ | $275.98M ▼ | $198.14M ▼ | $77.83M ▲ |
| Q1-2025 | $59.83M ▲ | $282.7M ▲ | $205.24M ▲ | $77.46M ▲ |
| Q4-2024 | $55.98M ▼ | $278.69M ▲ | $202.2M ▲ | $76.49M ▼ |
| Q3-2024 | $111.33M | $268.44M | $190M | $78.44M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $65K ▲ | $2.86M ▲ | $-8.78M ▼ | $-7.43M ▼ | $-13.35M ▼ | $2.96M ▲ |
| Q2-2025 | $-258K ▲ | $655K ▲ | $-4.13M ▼ | $-6.49M ▼ | $-9.97M ▼ | $616K ▲ |
| Q1-2025 | $-328K ▼ | $-2.68M ▼ | $2.42M ▲ | $4.22M ▼ | $3.97M ▼ | $-2.73M ▼ |
| Q4-2024 | $-46K ▲ | $9.36M ▲ | $-1.14M ▼ | $10.67M ▲ | $18.89M ▲ | $9.22M ▲ |
| Q3-2024 | $-171K | $1.61M | $-453K | $1M | $2.16M | $1.56M |

CEO
Stephen G. Lear
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 2 of 12
Ratings Snapshot
Rating : C+
Price Target
Institutional Ownership

ALLIANCEBERNSTEIN L.P.
Shares:518.32K
Value:$6.5M

VANGUARD GROUP INC
Shares:248.31K
Value:$3.12M

RAFFLES ASSOCIATES LP
Shares:93.77K
Value:$1.18M
Summary
Showing Top 3 of 22



