NSTS Bancorp, Inc. Quarterly report [Sections 13 or 15(d)]

Quarterly report [Sections 13 or 15(d)]

Note 5 - Other Borrowings

Note 5 - Other Borrowings

3 Months Ended

Mar. 31, 2026

Federal Home Loan Bank Advances, Disclosure [Text Block]

Note 5: Other Borrowings

There were no additional borrowings made during the three months ended March 31, 2026 and 2025. There was no outstanding borrowed funds at March 31, 2026 and December 31, 2025.

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

	*For the three months ended*
	*March 31,*
	*2026*		*2025*
	(Dollars in thousands)
FHLB of Chicago advances and other borrowings:
Average balance outstanding	$	—	$	5,000
Maximum amount outstanding at any month-end during the period		—		5,000
Average interest rate during the period		N/A		4.8	%

At March 31, 2026 and December 31, 2025, the Bank had borrowing capacity from the FHLB Chicago totaling $74.5 million and $79.1 million, respectively. The eligible borrowings are collateralized by $99.0 million and $105.1 million of first mortgage loans under a blanket lien arrangement at March 31, 2026 and December 31, 2025, respectively.

Additionally, at March 31, 2026 and December 31, 2025, we had a $10.0 million uncommitted, unsecured line of credit with BMO Harris Bank, none of which was drawn at March 31, 2026 and December 31, 2025.