NSTS Bancorp, Inc. Annual report pursuant to Section 13 and 15(d)

Note 10 - Capital Ratios (Tables)

12 Months Ended

Dec. 31, 2021

	*Actual*					*Minimum Required to be Well-Capitalized (1)*
	*Amount*		*Ratio*			*Amount*		*Ratio*
	(Dollars in thousands)
As of December 31, 2021
Tier 1 capital (to Average Assets)	$	44,262		16.11	%	$	23,349		>8.5%

As of December 31, 2020
Tier 1 capital (to Average Assets)	$	44,256		18.41	%	$	21,636		>8%

(1) As defined by regulatory agencies. Failure to exceed the leverage ratio thresholds required under CBLR in the future, subject to any applicable grace period, would require the Company to return to the risk-based capital ratio thresholds previously utilized under the fully phased-in Basel III Capital Rules to determine capital adequacy.