NSTS Bancorp Inc
ir.northshoretrust.comNSTS Bancorp Inc (NSTS) is a community banking holding company that operates North Shore Trust and Savings, a federally chartered stock savings institution serving Lake County, Illinois and adjacent communities. The company makes money by attracting deposits from the general public and deploying those funds into one- to four-family residential mortgage loans and investment securities, earning net interest income on the spread between deposit costs and loan and investment yields. North Shore Trust and Savings was established in 1921 as North Shore Building and Loan and operates from a headquarters and main banking office in Waukegan, Illinois, plus two additional full-service branch offices in Waukegan and Lindenhurst, Illinois, and three loan production offices in Chicago, Aurora, and Plainfield, Illinois, as of the 10-K filed March 27, 2026. The institution is regulated and examined by the Office of the Comptroller of the Currency.
Products & Services
Deposit accounts including noninterest-bearing demand and NOW checking, time deposits, and escrow deposits. One- to four-family residential mortgage loan origination, mortgage loan sales, and investment securities. FHLB of Chicago advances used for funding. Three loan production offices support mortgage origination in the Chicago metropolitan area.
Revenue Model
Net interest income from loans (primarily one- to four-family residential mortgages) and investment securities funded by customer deposits. Supplementary noninterest income includes gain on sale of mortgage loans, rental income on office building, service charges on deposits, and increases in cash surrender value of bank-owned life insurance (BOLI), as reported for years ended December 31, 2025 and 2024.
Customers & Markets
General public depositors and residential mortgage borrowers in Lake County, Illinois and surrounding communities. Primary end market is owner-occupied one- to four-family residential real estate. Also serves low- and moderate-income borrowers under Community Reinvestment Act obligations.
Geographic Exposure
Concentrated in Lake County, Illinois and adjacent communities. Physical presence in Waukegan and Lindenhurst, Illinois (three offices), with loan production offices in Chicago, Aurora, and Plainfield, Illinois, as of the 10-K filed March 27, 2026.
Financial Snapshot
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