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About NSTS Bancorp
Its shares trade under the ticker NSTS. It has been listed since 19 January 2022. In the fiscal year to 31 December 2025, it reported revenue before interest expense of $13.3m and a net loss of $386,000. At that date it held total assets of $266.6m and shareholders' equity of $80.0m.
NSTS Bancorp, Inc. engages in the provision of financial services which include family mortgage loan, savings accounts, and certificate of deposit accounts. The company is headquartered in Waukegan, Illinois. The company went IPO on 2022-01-19. The Bank is a federally chartered stock savings institution. Its primary business activity includes accepting deposits from the general public and using those funds to originate one to four family residential mortgage loans and purchase investments. The Bank's activities include originating loans for family residential properties, multi-family and non-owner occupied commercial real estate loans, and home equity loans and lines of credit, construction loans, and other consumer loans in the market areas. The firm offers a variety of deposit products through its office and branches. The company also invests in investment securities. Its primary sources of funds are deposits, and principal and interest payments on loans and securities. The company operates two offices in Waukegan and Lindenhurst, Illinois and one loan production office in Chicago, Illinois.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 19 Jan 2022
- Employees
- 35
- Head office
- 700 LEWIS AVE., WAUKEGAN, IL, 60085
- Classification
- Savings Institution, Federally Chartered
- Filer status
- <br>Emerging growth company
Leadership
Pay as last reported
- Mr. Stephen LearChairman of the Board, President, Chief Executive Officer, since 2012$323,669
- Ms. Carissa SchoolcraftChief Financial Officer of the Company and North Shore Trust and Savings$208,879
- Mr. Nathan WalkerExecutive Vice President, Chief Executive Officer, President of North Shore Trust and Savings$257,482
- Ms. Amy AvakianChief Lending Officer, Vice President of the North Shore Trust and Savings$190,731
- Mr. Thomas IvanticDirector$32,000
- Mr. Thomas KneeselDirector$32,000
- Ms. Emily AnsaniIndependent Director$228,382
- Mr. Apolonio ArenasIndependent Director$31,000
- Mr. John PucinIndependent Director
- Mr. Rodney TrueIndependent Director$32,000
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- NSTS Bancorp offers family mortgage loans and savings accounts in Waukegan, Illinois.
- The company operates two offices in Waukegan and Lindenhurst with a loan production office in Chicago.
- NSTS Bancorp provides diverse deposit products and investment securities for its customers.
Weaknesses
- NSTS Bancorp has only 35 employees, limiting its operational capacity.
- The company's primary focus on residential mortgages restricts its revenue streams.
- NSTS Bancorp's operations are limited to Illinois, reducing market reach.
Opportunities
- Expanding into multi-family and commercial real estate loans could increase revenue opportunities.
- Growing demand for home equity loans in Illinois presents a market opportunity.
- The firm can leverage its two Illinois offices to expand services in neighboring regions.
Threats
- Economic downturns could reduce demand for residential mortgages and home equity loans.
- Increased competition from larger banks in Illinois may impact market share.
- Regulatory changes in the Financials sector could affect lending practices.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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