Nsts Bancorp, Inc. (NSTS) — SEC Filings
Nsts Bancorp, Inc. (NSTS) — 16 SEC filings. Latest: 10-Q (Nov 13, 2025). Includes 6 10-Q, 5 8-K, 2 10-K.
View Nsts Bancorp, Inc. on SEC EDGAR
Overview
Nsts Bancorp, Inc. (NSTS) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 13, 2025: NSTS Bancorp, Inc. reported a net income of $65,000 for the three months ended September 30, 2025, a significant improvement from a net loss of $171,000 in the same period of 2024. However, for the nine months ended September 30, 2025, the company still posted a net loss of $521,000, though this was
Sentiment Summary
Across 16 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 11 neutral, 3 mixed. The dominant filing sentiment for Nsts Bancorp, Inc. is neutral.
Filing Type Overview
Nsts Bancorp, Inc. (NSTS) has filed 6 10-Q, 5 8-K, 1 DEFA14A, 2 10-K, 1 DEF 14A, 1 SC 13G/A with the SEC between Jan 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (16)
Risk Profile
Risk Assessment: Of NSTS's 15 recent filings, 1 were flagged as high-risk, 5 as medium-risk, and 9 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $2,825,000 |
| Net Income | $65,000 |
| EPS | N/A |
| Debt-to-Equity | 0.38 |
| Cash Position | $34,135,000 |
| Operating Margin | N/A |
| Total Assets | $269,842,000 |
| Total Debt | $186,067,000 |
Key Executives
- John A. Glick
- David E. Johnson
Industry Context
NSTS Bancorp operates in the community banking sector, which is characterized by intense competition from larger regional and national banks, as well as credit unions and increasingly, fintech companies. Industry trends include a focus on digital transformation, evolving customer expectations for seamless online and mobile banking, and a dynamic interest rate environment impacting net interest margins. Community banks often differentiate themselves through personalized service and deep local market knowledge.
Top Tags
financials (5) · corporate-governance (5) · earnings (3) · regulatory-capital (3) · 10-Q (3) · NSTS Bancorp (3) · executive-compensation (2) · shareholder-vote (2) · Financials (2) · Regional Banking (1)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $65K | Improved from a $171K net loss in Q3 2024. |
| Net Loss (YTD Q3 2025) | $(521)K | Reduced from a $(743)K net loss in YTD Q3 2024. |
| Total Interest Income (Q3 2025) | $2.825M | Increased from $2.660M in Q3 2024. |
| Total Noninterest Income (Q3 2025) | $564K | Increased from $423K in Q3 2024, driven by mortgage loan sales. |
| Gain on Sale of Mortgage Loans (Q3 2025) | $393K | Up from $268K in Q3 2024, a key driver of noninterest income growth. |
| Total Assets (Sept 30, 2025) | $269.842M | Decreased from $278.688M at Dec 31, 2024. |
| Total Deposits (Sept 30, 2025) | $186.067M | Decreased from $190.156M at Dec 31, 2024. |
| Total Stockholders' Equity (Sept 30, 2025) | $78.939M | Increased from $76.490M at Dec 31, 2024. |
| Accumulated Other Comprehensive Loss (Sept 30, 2025) | $(6.223)M | Improved from $(8.606)M at Dec 31, 2024. |
| Interest Income from Loans (Q3 2025) | $1.971M | Increased from $1.797M in Q3 2024, contributing to overall interest income growth. |
| Total Assets | $5.25B | Represents the company's financial resources as of March 31, 2025. |
| Net Income | $352.0M | Indicates profitability for the period ending March 31, 2025. |
| Stock Price | $11.29 | Market valuation of the company's common stock as of March 31, 2025. |
| Options Outstanding | 10,000,000 | Indicates potential dilution or employee incentive value. |
| Total Liabilities | $5.32B | As of fiscal year end 2024 |
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Frequently Asked Questions
What are the latest SEC filings for Nsts Bancorp, Inc. (NSTS)?
Nsts Bancorp, Inc. has 16 recent SEC filings from Jan 2024 to Nov 2025, including 6 10-Q, 5 8-K, 2 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of NSTS filings?
Across 16 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 11 neutral, 3 mixed. The dominant sentiment is neutral.
Where can I find Nsts Bancorp, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Nsts Bancorp, Inc. (NSTS) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Nsts Bancorp, Inc.?
Key financial highlights from Nsts Bancorp, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for NSTS?
The investment thesis for NSTS includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Nsts Bancorp, Inc.?
Key executives identified across Nsts Bancorp, Inc.'s filings include John A. Glick, David E. Johnson.
What are the main risk factors for Nsts Bancorp, Inc. stock?
Of NSTS's 15 assessed filings, 1 were flagged high-risk, 5 medium-risk, and 9 low-risk.
What are recent predictions and forward guidance from Nsts Bancorp, Inc.?
Forward guidance and predictions for Nsts Bancorp, Inc. are extracted from SEC filings as they are enriched.