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

Note 3 - Loans - Summary of Loans by Major Category (Details)

v3.26.1

Note 3 - Loans - Summary of Loans by Major Category (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Loans	$ 129,464	$ 130,907
Net deferred loan costs	299	650
Allowance for credit losses on loans	(1,128)	(1,201)	$ (1,176)
Total loans, net	128,635	130,356
First Mortgage Loans [Member]
Loans	129,196	130,625
Consumer Portfolio Segment [Member]
Loans	268	282
Allowance for credit losses on loans	(2)	(2)	(1)
One To Four Family Residential [Member] \| First Mortgage Loans [Member]
Loans	118,222	119,409
Allowance for credit losses on loans	(989)	(1,056)	(1,094)
Multifamily [Member] \| First Mortgage Loans [Member]
Loans	3,240	3,368
Allowance for credit losses on loans	(39)	(37)	(40)
Commercial Real Estate [Member] \| First Mortgage Loans [Member]
Loans	3,813	4,197
Allowance for credit losses on loans	(37)	(41)	(37)
Construction Loans [Member] \| First Mortgage Loans [Member]
Loans	3,921	3,651
Allowance for credit losses on loans	$ (61)	$ (65)	$ (4)

- Definition

Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479344/326-20-45-1

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+ References

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- Definition

Amortized cost excluding accrued interest, before allowance for credit loss, fee, and loan in process, of financing receivable. Excludes net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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-Publisher FASB
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- Definition

Amount of unamortized loan commitment, origination, and other costs (fees) and purchase premium (discount) on financing receivable recognized as adjustment to yield. Excludes financing receivable covered under loss sharing agreement.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481598/310-20-45-1

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-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-4

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-SubTopic 20
-Topic 310
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481569/310-20-50-3

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