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

Note 16 - Condensed Parent Only Financial Information (Tables)

12 Months Ended

Dec. 31, 2025

	*Year ended December 31,*
	*2025*			*2024*
	(Dollars in thousands)
Assets:
Cash	$	15,860		$	16,855
Investment in subsidiary		60,606			56,028
Loan to ESOP		3,627			3,800
Other assets		15			15
Total assets	$	80,108		$	76,698
Liabilities:
Accrued expense and other liabilities	$	134		$	208
Total liabilities		134			208
Stockholders' equity
Common Stock		56			56
Treasury Stock		(3,087	)		(3,240	)
Additional paid-in capital		52,348			51,684
Retained earnings		39,880			40,266
Unallocated common shares held by ESOP		(3,462	)		(3,670	)
Accumulated other comprehensive loss, net		(5,761	)		(8,606	)
Total stockholders' equity		79,974			76,490
Total liabilities and stockholders’ equity	$	80,108		$	76,698

	*Year ended December 31,*
	*2025*			*2024*
	(Dollars in thousands)
Income:
Interest income	$	124		$	129
Total income		124			129
Expense:
Noninterest expense	$	1,319		$	1,313
Total expense		1,319			1,313
Losses before income tax expense and equity in undistributed earnings of subsidiary	$	(1,195	)	$	(1,184	)
Income tax expense		—			—
Losses before equity in undistributed earnings of subsidiary	$	(1,195	)	$	(1,184	)
Equity in undistributed earnings of subsidiary		809			395
Net loss	$	(386	)	$	(789	)

	*Year ended December 31,*
	*2025*			*2024*
	(Dollars in thousands)
Cash flows from operating activities:
Net loss	$	(386	)	$	(789	)
Adjustments to reconcile net loss to net cash used in operating activities:
Net change in other assets		—			(8	)
Net change in accrued expenses and other liabilities		(74	)		104
Equity in undistributed earnings of subsidiary		(809	)		(395	)
Net cash used in operating activities		(1,269	)		(1,088	)
Cash flows from investing activities:
Principal payments on loan to ESOP	$	173		$	173
Net cash provided by investing activities		173			173
Cash flows from financing activities:
Purchase of treasury shares		—			(970	)
Purchase of treasury stock from taxes withheld on stock awards		(114	)		(109	)
Proceeds from exercise of stock options		215			215
Net cash provided by (used in) financing activities		101			(864	)
Net change in cash		(995	)		(1,779	)
Cash at beginning of period		16,855			18,634
Cash at end of period	$	15,860		$	16,855