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

Quarterly report [Sections 13 or 15(d)]

Note 3 - Loans and Allowance for Credit Losses (Tables)

Note 3 - Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2026

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	*March 31, 2026*			*December 31, 2025*
	(Dollars in thousands)
First mortgage loans
1-4 family residential	$	116,914		$	118,222
Multi-family		3,425			3,240
Commercial		3,797			3,813
Construction		4,027			3,921
Total first mortgage loans		128,163			129,196
Consumer loans		322			268
Total loans		128,485			129,464
Net deferred loan costs		257			299
Allowance for credit losses on loans		(1,095	)		(1,128	)
Total loans, net	$	127,647		$	128,635

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

	*March 31, 2026*
	*1-4 family*
	*residential*			*Multi-family*		*Commercial*			*Construction*		*Consumer*		*Total*
	(Dollars in thousands)
Three months ended
Beginning balance	$	989		$	39	$	37		$	61	$	2	$	1,128
Charge-offs		—			—		—			—		—		—
Recoveries		—			—		—			—		—		—
Net recoveries (charge-offs)		—			—		—			—		—		—
(Release of) provision for credit losses		(33	)		—		(3	)		2		1		(33	)
Ending balance	$	956		$	39	$	34		$	63	$	3	$	1,095

	*March 31, 2025*
	*1-4 family*
	*residential*			*Multi-family*		*Commercial*			*Construction*			*Consumer*		*Total*
	(Dollars in thousands)
Three months ended
Beginning balance	$	1,056		$	37	$	41		$	65		$	2	$	1,201
Charge-offs		—			—		—			—			—		—
Recoveries		—			—		—			—			—		—
Net recoveries (charge-offs)		—			—		—			—			—		—
(Release of) provision for credit losses		(22	)		—		(3	)		(20	)		—		(45	)
Ending balance	$	1,034		$	37	$	38		$	45		$	2	$	1,156

Financing Receivable Credit Quality Indicators [Table Text Block]

	*As of March 31, 2026*
	*Term loans amortized cost basis by origination year*
	*2026*		*2025*		*2024*		*2023*		*2022*		*Prior*		*Revolving loans amortized cost basis*		*Revolving loans converted to term loans amortized cost basis*		*Total*
	(Dollars in thousands)
1-4 family residential
Pass	$	2,581	$	14,994	$	12,426	$	14,540	$	10,720	$	52,947	$	6,982	$	—	$	115,190
Special Mention		—		—		—		1,441		—		—		—		—		1,441
Substandard		—		—		262		—		—		21		—		—		283
Total 1-4 family residential		2,581		14,994		12,688		15,981		10,720		52,968		6,982		—		116,914
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Multi-family
Pass		220		—		504		—		—		2,701		—		—	$	3,425
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total multi-family		220		—		504		—		—		2,701		—		—		3,425
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Commercial
Pass		—		—		—		162		—		2,863		772		—	$	3,797
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total commercial		—		—		—		162		—		2,863		772		—		3,797
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Construction
Pass		332		2,646		963		86		—		—		—		—	$	4,027
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total construction		332		2,646		963		86		—		—		—		—		4,027
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Consumer
Pass		83		122		38		40		35		4		—		—	$	322
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total consumer		83		122		38		40		35		4		—		—		322
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Total
Pass		3,216		17,762		13,931		14,828		10,755		58,515		7,754		—		126,761
Special Mention		—		—		—		1,441		—		—		—		—		1,441
Substandard		—		—		262		—		—		21		—		—		283
Total		3,216		17,762		14,193		16,269		10,755		58,536		7,754		—		128,485
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—

	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		—		—		—		—		—		—		—		—		—

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)
March 31, 2026
1-4 family residential	$	1,530	$	—	$	283	$	1,813	$	115,101	$	116,914
Multi-family		—		—		—		—		3,425		3,425
Commercial		—		—		—		—		3,797		3,797
Construction		—		—		—		—		4,027		4,027
Consumer		—		—		—		—		322		322
Total	$	1,530	$	—	$	283	$	1,813	$	126,672	$	128,485

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

Financing Receivable, Nonaccrual [Table Text Block]

	*March 31, 2026*				*December 31, 2025*				*January 1, 2025*
	*Nonaccrual with no Allowance for Credit Losses*		*Total Nonaccrual*		*Nonaccrual with no Allowance for Credit Losses*		*Total Nonaccrual*		*Nonaccrual with no Allowance for Credit Losses*		*Total Nonaccrual*
	(Dollars in thousands)
First mortgage loans
1-4 family residential	$	283	$	283	$	284	$	284	$	—	$	—
Multi-family		—		—		—		—		—		—
Commercial		—		—		—		—		—		—
Construction		—		—		—		—		—		—
Consumer loans		—		—		—		—		—		—
Total loans	$	283	$	283	$	284	$	284	$	—	$	—