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 4 - Allowance for Credit Losses (Tables)

Note 4 - Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	*December 31, 2025*
	*1-4 family residential*			*Multi-family*		*Commercial*			*Construction*			*Consumer*			*Total*
	(Dollars in thousands)
Year ended:
Beginning balance	$	1,056		$	37	$	41		$	65		$	2		$	1,201
Charge-offs		—			—		—			—			—			—
Recoveries		—			—		—			—			99			99
Net recoveries (charge-offs)		—			—		—			—			99			99
(Release of) Provision for credit losses		(67	)		2		(4	)		(4	)		(99	)		(172	)
Ending balance	$	989		$	39	$	37		$	61		$	2		$	1,128

	*December 31, 2024*
	*1-4 family residential*			*Multi-family*			*Commercial*		*Construction*		*Consumer*		*Total*
	(Dollars in thousands)
Year ended:
Beginning balance	$	1,094		$	40		$	37	$	4	$	1	$	1,176
Charge-offs		—			—			—		—		—		—
Recoveries		—			—			—		—		—		—
Net recoveries (charge-offs)		—			—			—		—		—		—
Provision for (release of) credit losses		(38	)		(3	)		4		61		1		25
Ending balance	$	1,056		$	37		$	41	$	65	$	2	$	1,201

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of December 31, 2025
	Term loans amortized cost basis by origination year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Revolving loans converted to term loans amortized cost basis		Total
	(Dollars in thousands)
1-4 family residential
Pass	$	16,653	$	13,335	$	16,423	$	10,870	$	16,434	$	37,769	$	6,454	$	—		117,938
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		262		—		—		—		22		—		—		284
Total 1-4 family residential		16,653		13,597		16,423		10,870		16,434		37,791		6,454		—		118,222
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Multi-family
Pass		—		507		—		—		221		2,512		—		—		3,240
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total multi-family		—		507		—		—		221		2,512		—		—		3,240
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Commercial
Pass		—		—		165		—		92		2,834		722		—		3,813
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total commercial		—		—		165		—		92		2,834		722		—		3,813
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Construction
Pass		2,156		1,676		89		—		—		—		—		—		3,921
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total construction		2,156		1,676		89		—		—		—		—		—		3,921
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Consumer
Pass		130		46		47		40		3		2		—		—		268
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total consumer		130		46		47		40		3		2		—		—		268
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Total
Pass		18,939		15,564		16,724		10,910		16,750		43,117		7,176		—		129,180
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		262		—		—		—		22		—		—		284
Total		18,939		15,826		16,724		10,910		16,750		43,139		7,176		—		129,464
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—

	As of December 31, 2024
	Term loans amortized cost basis by origination year
	2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Revolving loans converted to term loans amortized cost basis		Total
	(Dollars in thousands)
1-4 family residential
Pass	$	20,577	$	20,986	$	12,421	$	18,074	$	43,245	$	4,106	$	—	$	119,409
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Total 1-4 family residential		20,577		20,986		12,421		18,074		43,245		4,106		—		119,409
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Multi-family
Pass		515		—		—		230		2,623		—		—		3,368
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Total multi-family		515		—		—		230		2,623		—		—		3,368
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Commercial
Pass		148		301		—		96		3,158		494		—		4,197
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Total commercial		148		301		—		96		3,158		494		—		4,197
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Construction
Pass		3,134		517		—		—		—		—		—		3,651
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Total construction		3,134		517		—		—		—		—		—		3,651
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Consumer
Pass		127		77		58		18		2		—		—		282
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Total consumer		127		77		58		18		2		—		—		282
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Total
Pass		24,501		21,881		12,479		18,418		49,028		4,600		—		130,907
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Total		24,501		21,881		12,479		18,418		49,028		4,600		—		130,907
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—

Financing Receivable, Past Due [Table Text Block]

	*31-89 Days Past Due and Accruing*		*Greater than 90 Days Past Due and Accruing*		*Non-Accrual*		*Total Past Due and Non-Accrual*		*Current*		*Total Loan Balance*
	(Dollars in thousands)
December 31, 2025
1-4 family residential	$	641	$	—	$	284	$	925	$	117,297	$	118,222
Multi-family		—		—		—		—		3,240		3,240
Commercial		—		—		—		—		3,813		3,813
Construction		—		—		—		—		3,921		3,921
Consumer		—		—		—		—		268		268
Total	$	641	$	—	$	284	$	925	$	128,539	$	129,464
December 31, 2024
1-4 family residential	$	371	$	—	$	—	$	371	$	119,038	$	119,409
Multi-family		—		—		—		—		3,368		3,368
Commercial		—		—		—		—		4,197		4,197
Construction		—		—		—		—		3,651		3,651
Consumer		—		—		—		—		282		282
Total	$	371	$	—	$	—	$	371	$	130,536	$	130,907

Financing Receivable, Nonaccrual [Table Text Block]

	*December 31, 2025*				*December 31, 2024*
	*Nonaccrual with no Allowance for Credit Losses*		*Nonaccrual*		*Nonaccrual with no Allowance for Credit Losses*		*Nonaccrual*
	(Dollars in thousands)
First mortgage loans
1-4 family residential	$	284	$	284	$	—	$	—
Multi-family		—		—		—		—
Commercial		—		—		—		—
Construction		—		—		—		—
Consumer loans		—		—		—		—
Total loans	$	284	$	284	$	—	$	—