NSTS Bancorp, Inc. Annual report [Section 13 and 15(d), not S-K Item 405]

Annual report [Section 13 and 15(d), not S-K Item 405]

Note 7 - Other Borrowings

Note 7 - Other Borrowings

12 Months Ended

Dec. 31, 2025

Federal Home Loan Bank Advances, Disclosure [Text Block]

Note 7: Other Borrowings

There were no additional borrowings made during the year ended December 31, 2025. In June 2023, the Company borrowed $5.0 million from the FHLB Chicago at a rate of 4.78% for 24 months, payable on June 20, 2025. The advance was collateralized by loans pledged to the FHLB and was paid at maturity.

The following table shows certain information regarding our borrowings at or for the dates indicated:

	*At or For the Year Ended December 31,*
	*2025*			*2024*
	(Dollars in thousands)
FHLB of Chicago advances and other borrowings:
Average balance outstanding	$	2,322		$	5,000
Maximum amount outstanding at any month-end during the period		5,000			5,000
Balance outstanding at end of period		—			5,000
Average interest rate during the period		4.8	%		4.8	%
Weighted average interest rate at end of period		—			4.8	%

The following table shows the outstanding advances, additional borrowing capacity and total borrowing capacity from the FHLB Chicago at the dates presented.

	*December 31, 2025*		*December 31, 2024*
	(Dollars in thousands)
Outstanding advances	$	—	$	5,000
Additional borrowing capacity		79,103		73,094
Total borrowing capacity	$	79,103	$	78,094

The eligible borrowings are collateralized by $105.1 million and $103.8 million of first mortgage loans under a blanket lien arrangement at December 31, 2025 and 2024 , respectively. Additionally, at December 31, 2025 and 2024 we had a $10.0 million uncommitted, unsecured line of credit with the BMO Harris Bank, none of which was drawn at December 31, 2025 and 2024.