NSTS Bancorp, Inc.
NSTS Bancorp, Inc. (Nasdaq Capital Market: NSTS) operates as a savings and loan holding company for North Shore Trust and Savings, a federally-chartered stock savings institution established in 1921. The company's website is www.northshoretrust.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What NSTS Bancorp, Inc. does
In the company’s own words
NSTS Bancorp, Inc. (Nasdaq Capital Market: NSTS) operates as a savings and loan holding company for North Shore Trust and Savings, a federally-chartered stock savings institution established in 1921. The company's website is www.northshoretrust.com.
North Shore Trust and Savings functions as a traditional savings institution primarily serving the banking needs of customers in Lake County, Illinois and adjacent communities, including Cook County and Will County in Illinois, and Kenosha County in Wisconsin. The bank operates from its headquarters in Waukegan, Illinois, along with two additional full-service branch offices in Waukegan and Lindenhurst, Illinois. The company maintains three loan production offices in Chicago, Aurora, and Plainfield, Illinois to expand loan originations throughout the Chicagoland area under the Oak Leaf Community Mortgage brand.
The bank's core business involves attracting deposits from the general public and deploying those funds into loans and securities. As of December 31, 2025, the loan portfolio totaled $128.6 million, with one- to four-family residential mortgage loans comprising 91.3 percent of total loans. The portfolio also includes multi-family residential loans at 2.5 percent, commercial real estate loans at 3.0 percent, construction loans at 3.0 percent, and consumer loans at 0.2 percent. The investment securities portfolio totaled $78.7 million, consisting primarily of collateralized mortgage obligations, mortgage-backed securities, municipal obligations, and U.S. government agency obligations.
The company derives income principally from interest earned on loans and investment securities, gains on sales of mortgage loans into the secondary market, and fees associated with loan originations and deposit services. Total deposits reached $181.5 million at year-end 2025, with core deposits representing 50.7 percent of total deposits. The bank maintains a diversified customer base supported by the region's stable employment base, anchored by major employers including pharmaceutical companies, government entities, and logistics operations. The company competes with credit unions, commercial banks, other savings institutions, and mortgage banking companies throughout its market area.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- WAUKEGAN, IL
- Fiscal year end
- December
- CIK
- 1881592
- SIC
- 6035
Financial performance, year by year
Fiscal 2021–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns NSTS Bancorp, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · NSTS Bancorp, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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