Core Insights - The discussion highlights the appeal of FDIC insurance among small depositors, emphasizing the importance of digital engagement for banks to retain customers [1] - The conversation also points to the ongoing trend of mergers and acquisitions (M&A) in the banking sector, driven by the need for digital capabilities and the integration of AI technologies [1] Company Insights - North Shore Trust & Savings Bank, now NSTS Bancorp, is identified as a small bank with a high equity to asset ratio of 29 and trades at 70% of tangible book value, making it an attractive investment opportunity [2][3] - RBB Bancorp, a Korean bank based in Los Angeles, is trading at 77% of book value, offering a 3% dividend and maintaining a 12 equity to asset ratio, indicating potential value for investors [4]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-41232 NSTS BANCORP, INC. (Exact name of the registrant as specified in its charter) Delaware 87-2522769 (State or Other Jurisdiction of (I.R ...

FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 NSTS BANCORP, INC. (Exact name of the registrant as specified in its charter) Delaware 87-2522769 (State or Other Jurisdiction of (I.R.S. Employer Incorporation or Organization) Identification Number) 700 S. Lewis Ave. Waukegan, Illinois 60085 (Address of principal ...

WAUKEGAN, Ill., June 18, 2025 (GLOBE NEWSWIRE) -- NSTS Bancorp, Inc. (the “Company”), the holding company for North Shore Trust and Savings (the “Bank”), announced today that Mr. John S. Pucin has been appointed to the Board of Directors of both the Company and the Bank. Mr. Pucin was appointed to fill the vacancy in the class of directors whose term expires at the Company’s annual stockholder meeting in 2027. Mr. Pucin currently serves as Senior Vice President and Corporate Counsel for Caine & Weiner Compa ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-41232 NSTS BANCORP, INC. (Exact name of the registrant as specified in its charter) Delaware 87-2522769 (State or Other Jurisdiction of (I.R.S. Employer Incorporation or Organization) Identification Number) FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANG ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-41232 NSTS BANCORP, INC. (Exact name of the registrant as specified in its charter) (State or Other Jurisdiction of Incorporation or Organization) (I ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-41232 NSTS BANCORP, INC. (Exact name of the registrant as specified in its charter) Delaware 87-2522769 (State or Other Jurisdiction of (I.R.S. ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Table of Contents FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-41232 NSTS BANCORP, INC. (Exact name of the registrant as specified in its charter) (State or Other Jurisdiction of Incorporation or Organization) (I ...

Or (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Exact name of the registrant as specified in its charter) Delaware 87-2522769 (State or Other Jurisdiction of (I.R.S. Employer Incorporation or Organization) Identifi ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Commission File Number 001-41232 NSTS BANCORP, INC. (Exact name of the registrant as specified in its charter) Delaware 87-2522769 (State or Other Jurisdiction of (I.R.S. Employer Incorporation or Organization) Identification Number) 700 S. Lewis Ave. Waukegan, Illinois 60085 (Address of principal executive offices) (Zip Code) (847) 336-4430 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE ...