{"url_path":"/sec/nsts/10-q/2026/cover-page","section_key":"cover-page","section_title":"Cover Page","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-14","source_url":"https://www.sec.gov/Archives/edgar/data/1881592/0001437749-26-017061-index.html","accession_number":"0001437749-26-017061","cik":"0001881592","ticker":"NSTS","issuer_name":"NSTS Bancorp, Inc.","edgar_url":"https://www.sec.gov/Archives/edgar/data/1881592/0001437749-26-017061-index.html","primary_entity_key":"0001881592","primary_entity_name":"NSTS Bancorp, Inc."},"word_count":905,"has_tables":true,"body_markdown":"nsts20260331_10q.htm\n\n0001881592\nNSTS Bancorp, Inc.\nfalse\n--12-31\nQ1\n2026\n1\n1\nhttp://fasb.org/us-gaap/2026#InterestReceivable\nhttp://fasb.org/us-gaap/2026#InterestReceivable\n0\n0\n0\n0\n0\n0\n0\n1.3\n0\n0\n10.0\n0\n0\n0\n9\n9\n0\n5\n10\n5\nfalse\nfalse\nfalse\nfalse\nDollars in thousands. The aggregate intrinsic value of outstanding and exercisable options at September 30, 2023 and 2024 were calculated based on the closing market price of the Company's common stock of September 30, 2023 and 2024 of $10.35 and $9.05, respectively, per share less the exercise price.\n\nDollars in thousands. The aggregate intrinsic value of outstanding and exercisable options at March 31, 2026 and 2025 were calculated based on the closing market price of the Company's common stock of March 31, 2026 and 2025 of $11.66 and $11.29, respectively, per share less the exercise price.\nAs 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 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of Contents](#toc)\n\n \n\n \n\n**UNITED STATES**\n\n**SECURITIES AND EXCHANGE COMMISSION**\n\n**Washington, D.C. 20549**\n\n \n\n**FORM** **10-Q**\n\n \n\n \n\n**(Mark one)**\n\n☒ **QUARTERLY REPORT PURSUANT TO SECTION** **13 OR 15(d)** **OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**For the quarterly period ended March 31, 2026**\n\n \n\n**Or**\n\n \n\n☐ **TRANSITION REPORT PURSUANT TO SECTION** **13 OR 15(d)** **OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**Commission File Number 001-41232**\n\n \n\n**NSTS BANCORP,** **INC.**\n\n**(Exact name of the registrant as specified in its charter)**\n\n   \n\n**Delaware**\n \n**87-2522769**\n\n**(State or Other Jurisdiction of**\n \n**(I.R.S. Employer**\n\n**Incorporation or Organization)**\n \n**Identification Number)**\n\n   \n\n**700 S. Lewis Ave. Waukegan, Illinois**\n \n**60085**\n\n**(Address of principal executive offices)**\n \n**(Zip Code)**\n\n**(847) 336-4430**\n\n**(Registrant**’**s telephone number, including area code)**\n\n \n\nSecurities registered pursuant to Section 12(b) of the Act:\n\n \n\nTitle of each class\n\nTrading Symbol(s)\n\nName of each exchange on which registered\n\nCommon Stock\n\nNSTS\n\nNASDAQ Capital Market\n\n \n\nIndicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes ☐ No\n\n \n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No\n\n \n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\n \n\nLarge accelerated filer\n\n☐\n\nAccelerated filer\n\n☐\n\nNon-accelerated filer\n\n☒\n\nSmaller reporting company\n\n☒\n\n  \nEmerging growth company\n\n☒\n\n \n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\n \n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). ☐ Yes ☒ No\n\n \n\nAs of May 7, 2026, the Registrant had 5,261,533 shares of its common stock outstanding.\n\n \n\n \n\n \n\n[Table of Contents](#toc)\n\n \n\n \n\nNSTS Bancorp, Inc.\n\n \n\nForm 10Q\n\n \n\nIndex\n\n \n\n**PART I.**\n\n[FINANCIAL INFORMATION](#part1)\n\n[2](#part1)"}