NSTS Bancorp, Inc.

The grade, in three tenses

Headline 3.6 out of ten, 8 of 9 metrics filed and 1 estimated: past 1.7 out of ten, present 3.4 out of ten, future 6.7 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 1.3 out of ten. 3 warning events since 2021; the latest 2026-10-01. 13th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 1.0 out of ten. -0.2% a year over 6 filed years; profitable in 1 of 6. 10th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 2.8 out of ten. Share count grew 1.1% a year. 24% of cash flow returned. Insiders: 0 sales, 0 purchases. 28th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 5.7 out of ten. ROE 0%: lost 0¢ per shareholder dollar. Leverage 70%: owes 70¢ per asset dollar. 57th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 0.2 out of ten. bottom 2% of 31 in its family; net margin -153.2%. 2nd percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 3.7 out of ten. CrossAssetData estimate 3.7/10, confidence 35 of 100 (one part). 37th percentile among 31 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
• Room to expand (future): 9.5 out of ten. top 5% of 25 in its family for room to expand. 95th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Growth drivers (future): 1.7 out of ten. bottom 17% of 30 in its family for growth drivers. 17th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 8.8 out of ten. top 12% of 29 in its family for expectations against reality. 88th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-13 for the period ended 2026-06-30 (on EDGAR). Newest filing: Form SCHEDULE 13G/A, 2026-10-02. Filings on record since 2021. Read from EDGAR 2026-10-12.

Who runs it

Lear, Stephen G. (Chief Executive Officer); Schoolcraft, Carissa H (Chief Financial Officer); Avakian, Amy L (Chief Lending Officer); Ansani, Emily E. (director); Arenas, Apolonio (director); Ivantic, Thomas M (director); Kneesel, Thomas J (director); Pucin, John S. (director); True, Rodney J, (director). 9 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.

This file: Overview · Past · Present · Future · Filings · every company on file

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