NSTS Bancorp, Inc. (NSTS)

NSTS Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	7.46	7.06	6.22	5.58	4.1
Net Interest Income Growth	5.69%	13.52%	11.39%	36.26%	-9.64%
Non-Interest Income	2.27	1.94	-1.15	1.24	1.21
Non-Interest Income Growth	17.05%	-	-	2.23%	-24.01%
Revenues Before Loan Losses	9.74	9	5.07	6.82	5.31
Provision for Credit Losses	-0.19	0.07	0.18	-0.23	-0.02
Revenue	9.93	8.93	4.89	7.05	5.33
Revenue Growth (YoY)	11.15%	82.49%	-30.58%	32.27%	-5.86%
Compensation Expenses	6.27	5.94	4.55	3.85	3.14
Selling, General & Admin	2.98	2.85	2.49	2.23	1.8
Other Non-Interest Expenses	1.07	0.94	0.81	0.81	0.66
Total Non-Interest Expense	10.31	9.72	7.85	6.88	5.6
Pretax Income	-0.39	-0.79	-2.96	0.17	-0.27
Provision for Income Taxes	-	-	1	0.15	-0.21
Net Income	-0.39	-0.79	-3.96	0.03	-0.06
Net Income to Common	-0.39	-0.79	-3.96	0.03	-0.06
Shares Outstanding (Basic)	5	5	5	5	-
Shares Outstanding (Diluted)	5	5	5	5	-
Shares Change (YoY)	-0.49%	-1.86%	5.82%	-	-
EPS (Basic)	-0.08	-0.16	-0.79	0.01	-
EPS (Diluted)	-0.08	-0.16	-0.79	0.01	-
Shares Outstanding	5.26	5.25	5.32	5.4	-
Free Cash Flow	3.95	9.11	-0.09	2.77	1.31
Free Cash Flow Growth	-56.68%	-	-	111.76%	-
Free Cash Flow Per Share	0.81	1.86	-0.02	0.59	-
Profit Margin	-3.89%	-8.83%	-80.85%	0.38%	-1.03%
FCF Margin	39.77%	102.05%	-1.74%	39.35%	24.58%
EBITDA	0.3	0.29	0.27	0.27	0.27
EBITDA Margin	3.04%	3.28%	5.44%	3.79%	5.03%
Effective Tax Rate	0.00%	0.00%	-33.77%	84.39%	79.55%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q