| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-06-30 |
|---|---|---|---|---|
| Loans, including fees | 1,971 | - | 1,800 | 1,721 |
| Taxable | 352 | - | 355 | 387 |
| Tax-exempt | 60 | - | 60 | 61 |
| Federal funds sold and other | 418 | - | 508 | 357 |
| Time deposits with other financial institutions | 15 | - | 18 | 28 |
| Fhlb stock | 9 | - | 9 | 9 |
| Total interest income | 2,825 | - | 2,750 | 2,563 |
| Deposits | 879 | - | 859 | 714 |
| Other borrowings | 0 | - | 60 | 61 |
| Total interest expense | 879 | - | 919 | 775 |
| Net interest income | 1,946 | - | 1,831 | 1,788 |
| (reversal of) provision for credit losses | -50 | - | -37 | 123 |
| Net interest income after (reversal of) provision for credit losses | 1,996 | - | 1,868 | 1,665 |
| Gain on sale of mortgage loans | 393 | - | 189 | 271 |
| Rental income on office building | 16 | - | 16 | 16 |
| Service charges on deposits | 66 | - | 59 | 64 |
| Increase in cash surrender value of boli | 60 | - | 56 | 53 |
| Other non-interest income | 29 | - | 14 | 97 |
| Total noninterest income | 564 | - | 334 | 501 |
| Salaries and employee benefits | 1,565 | - | 1,533 | 1,468 |
| Equipment and occupancy | 209 | - | 224 | 198 |
| Data processing | 243 | - | 222 | 217 |
| Professional services | 98 | - | 136 | 172 |
| Advertising | 32 | - | 42 | 91 |
| Supervisory fees and assessments | 38 | - | 38 | 35 |
| Loan expenses | 68 | - | 92 | 65 |
| Deposit expenses | 62 | - | 68 | 58 |
| Director fees | 56 | - | 48 | 56 |
| Other non-interest expense | 124 | - | 127 | 132 |
| Total noninterest expense | 2,495 | - | 2,530 | 2,492 |
| Income (loss) before income taxes | 65 | - | -328 | -326 |
| Income tax expense | 0 | - | - | - |
| Net income (loss) | 65 | -258 | -328 | -326 |
| Unrealized net holding gain (loss) on securities arising during period | - | 698 | - | - |
| Tax effect | - | 199 | - | - |
| Other comprehensive income (loss), net of taxes | - | 499 | - | - |
| Comprehensive income (loss) | - | 241 | - | - |
| Average number of common shares outstanding used to calculate basic income (loss) per common share (in shares) | 4,884,404 | 4,886,652 | 4,883,913 | 4,925,388 |
| Diluted average shares outstanding (in shares) | 4,909,533 | - | - | - |
| Income (loss) per common share basic (in dollars per share) | 0.01 | -0.05 | -0.07 | -0.07 |
| Income (loss) per common share diluted (in dollars per share) | 0.01 | - | - | - |
NSTS Bancorp, Inc. (NSTS)
NSTS Bancorp, Inc. (NSTS)