<span item_type="fundamental" item_id="5b2126aac40144ebe8725583d069467e" counter_id="ST/US/NSTS" env="prod"></span><span item_type="announcement" item_id="549447303233932289" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD -0.05.</p><p></p><h3>Financial Metrics by Segment</h3><h4>Net Interest Income</h4><ul><li>Net interest income for the quarter ended June 30, 2025, was $1.8 million, an increase of $20,000 compared to the same period in 2024. The interest rate spread decreased to 2.19% from 2.36%, and the net interest margin decreased to 2.77% from 2.92%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1881592/000143774925026943/nsts20250630_10q.htm"></span></li><li>For the six months ended June 30, 2025, net interest income was $3.6 million, an increase of $146,000 compared to the same period in 2024. The interest rate spread decreased to 2.20% from 2.34%, and the net interest margin decreased to 2.80% from 2.87%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1881592/000143774925026943/nsts20250630_10q.htm"></span></li></ul><h4>Provision for Credit Losses</h4><ul><li>The provision for credit losses for the quarter ended June 30, 2025, was $57,000, compared to $123,000 for the same period in 2024. For the six months ended June 30, 2025, the provision was $20,000, compared to $122,000 in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1881592/000143774925026943/nsts20250630_10q.htm"></span></li></ul><h4>Noninterest Income</h4><ul><li>Noninterest income for the quarter ended June 30, 2025, was $735,000, an increase of $234,000 compared to the same period in 2024. For the six months ended June 30, 2025, noninterest income was $1.1 million, an increase of $256,000 compared to 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1881592/000143774925026943/nsts20250630_10q.htm"></span></li></ul><h4>Noninterest Expense</h4><ul><li>Noninterest expenses for the quarter ended June 30, 2025, were $2.7 million, an increase of $252,000 compared to the same period in 2024. For the six months ended June 30, 2025, noninterest expenses were $5.3 million, an increase of $518,000 compared to 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1881592/000143774925026943/nsts20250630_10q.htm"></span></li></ul><h4>Cash Flow</h4><ul><li>Net cash used in operating activities was $2.0 million for the six months ended June 30, 2025, compared to $1.5 million in 2024. Net cash used in investing activities was $1.7 million in 2025, compared to $6.6 million in 2024. Net cash used in financing activities was $2.3 million in 2025, compared to net cash provided of $9.2 million in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1881592/000143774925026943/nsts20250630_10q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><h4>Core Business Focus</h4><ul><li>The company plans to continue enhancing its products and services with a focus on one- to four-family residential first mortgage loans and maintaining holdings of commercial real estate and multi-family residential real estate loans. The company is also expanding its loan origination efforts in the Chicagoland area and Kenosha County, Wisconsin.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1881592/000143774925026943/nsts20250630_10q.htm"></span></li></ul><h4>Non-Core Business</h4><ul><li>The company is not currently engaged in any significant non-core business activities or divestitures as per the available information.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1881592/000143774925026943/nsts20250630_10q.htm"></span></li></ul>

NSTS Bancorp | 10-Q: FY2025 Q2 EPS: USD -0.05