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)

6 Months Ended

Jun. 30, 2026

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

	*June 30, 2026*			*December 31, 2025*
	(Dollars in thousands)
First mortgage loans
1-4 family residential	$	116,514		$	118,222
Multi-family		3,775			3,240
Commercial		3,846			3,813
Construction		3,020			3,921
Total first mortgage loans		127,155			129,196
Consumer loans		312			268
Total loans		127,467			129,464
Net deferred loan costs		156			299
Allowance for credit losses on loans		(1,095	)		(1,128	)
Total loans, net	$	126,528		$	128,635

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

	*June 30, 2026*
	*1-4 family*
	*residential*		*Multi-family*		*Commercial*		*Construction*			*Consumer*		*Total*
	(Dollars in thousands)
Three months ended
Beginning balance	$	956	$	39	$	34	$	63		$	3	$	1,095
Charge-offs		—		—		—		—			—		—
Recoveries		—		—		—		—			—		—
Net recoveries (charge-offs)		—		—		—		—			—		—
Provision for (release of) credit losses		11		5		3		(19	)		—		—
Ending balance	$	967	$	44	$	37	$	44		$	3	$	1,095

	*June 30, 2026*
	*1-4 family*
	*residential*			*Multi-family*		*Commercial*		*Construction*			*Consumer*		*Total*
	(Dollars in thousands)
Six months ended
Beginning balance	$	989		$	39	$	37	$	61		$	2	$	1,128
Charge-offs		—			—		—		—			—		—
Recoveries		—			—		—		—			—		—
Net recoveries (charge-offs)		—			—		—		—			—		—
(Release of) provision for credit losses		(22	)		5		—		(17	)		1		(33	)
Ending balance	$	967		$	44	$	37	$	44		$	3	$	1,095

	*June 30, 2025*
	*1-4 family*
	*residential*		*Multi-family*		*Commercial*		*Construction*		*Consumer*		*Total*
	(Dollars in thousands)
Three months ended
Beginning balance	$	1,034	$	37	$	38	$	45	$	2	$	1,156
Charge-offs		—		—		—		—		—		—
Recoveries		—		—		—		—		—		—
Net recoveries (charge-offs)		—		—		—		—		—		—
Provision for credit losses		22		—		6		16		—		44
Ending balance	$	1,056	$	37	$	44	$	61	$	2	$	1,200

	*June 30, 2025*
	*1-4 family*
	*residential*		*Multi-family*		*Commercial*		*Construction*			*Consumer*		*Total*
	(Dollars in thousands)
Six months ended
Beginning balance	$	1,056	$	37	$	41	$	65		$	2	$	1,201
Charge-offs		—		—		—		—			—		—
Recoveries		—		—		—		—			—		—
Net recoveries (charge-offs)		—		—		—		—			—		—
Provision for (release of) credit losses		—		—		3		(4	)		—		(1	)
Ending balance	$	1,056	$	37	$	44	$	61		$	2	$	1,200

Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]

	*Off-balance sheet exposures*
	(Dollars in thousands)
	*Three months ended June 30,*				*Six months ended June 30,*
	*2026*		*2025*		*2026*		*2025*
Beginning balance	$	46	$	67	$	40	$	59
Provision for credit losses		1		13		7		21
Ending balance	$	47	$	80	$	47	$	80

Financing Receivable Credit Quality Indicators [Table Text Block]

	*As of June 30, 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	$	9,097	$	12,233	$	11,408	$	12,305	$	10,113	$	51,525	$	7,422	$	—	$	114,103
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		640		262		1,441		—		68		—		—		2,411
Total 1-4 family residential		9,097		12,873		11,670		13,746		10,113		51,593		7,422		—		116,514
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Multi-family
Pass		602		—		502		—		—		2,671		—		—	$	3,775
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total multi-family		602		—		502		—		—		2,671		—		—		3,775
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Commercial
Pass		—		—		—		160		—		2,796		890		—	$	3,846
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total commercial		—		—		—		160		—		2,796		890		—		3,846
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Construction
Pass		332		1,802		803		83		—		—		—		—	$	3,020
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total construction		332		1,802		803		83		—		—		—		—		3,020
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Consumer
Pass		98		117		30		34		30		3		—		—	$	312
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Total consumer		98		117		30		34		30		3		—		—		312
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—		—
Total
Pass		10,129		14,152		12,743		12,582		10,143		56,995		8,312		—		125,056
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		640		262		1,441		—		68		—		—		2,411
Total		10,129		14,792		13,005		14,023		10,143		57,063		8,312		—		127,467
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)
June 30, 2026
1-4 family residential	$	89	$	—	$	2,411	$	2,500	$	114,014	$	116,514
Multi-family		—		—		—		—		3,775		3,775
Commercial		—		—		—		—		3,846		3,846
Construction		407		—		—		407		2,613		3,020
Consumer		—		—		—		—		312		312
Total	$	496	$	—	$	2,411	$	2,907	$	124,560	$	127,467

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]

	*June 30, 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	$	2,411	$	2,411	$	284	$	284	$	—	$	—
Multi-family		—		—		—		—		—		—
Commercial		—		—		—		—		—		—
Construction		—		—		—		—		—		—
Consumer loans		—		—		—		—		—		—
Total loans	$	2,411	$	2,411	$	284	$	284	$	—	$	—