NSTS Bancorp (NSTS) Balance Sheet: Assets & Liabilities

NSTS Bancorp (NSTS) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), NSTS Bancorp reported total assets of $266.65M and total liabilities of $186.67M. Shareholders' equity was $79.97M, up 4.6% from $76.49M a year earlier. Total debt stood at $27.59M against $36.90M in cash and short-term investments, a net cash position of $9.30M. That puts debt-to-equity at 0.35, compared with 0.42 a year earlier.

NSTS Bancorp Balance Sheet Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for NSTS Bancorp, Inc. (NSTS) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Current Assets
Cash and Cash Equivalents	35.29	53.48	33.38	13.15	125.08	31.87	52.55
Short-Term Investments	1.61	71.25	4.27	121.21	100.95	81.62	68.57
Cash & Short-Term Investments	36.90	55.98	37.64	138.83	226.03	125.93	121.12
Accounts Receivable	0.93	0.87	0.76	0.85	0.64	0.67	0.64
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	37.82	56.85	38.40	139.68	226.67	126.60	121.76
Non-Current Assets
Property, Plant & Equipment (Net)	5.11	5.31	5.29	5.04	5.09	5.21	5.40
Long-Term Investments	210.20	9.66	198.87	9.25	96.64	100.43	98.40
Other Non-Current Assets	13.51	14.71	14.22	16.13	12.47	9.98	9.99
Total Non-Current Assets	228.83	221.84	218.37	124.53	114.20	115.62	113.79
Total Assets	266.65	278.69	256.78	264.21	340.87	242.22	235.55
Current Liabilities
Accounts Payable	0.00	1.74	0.00	1.25	0.00	0.00	0.00
Accrued Liabilities	3.60	5.30	4.02	3.70	3.62	-	-
Other Current Liabilities	155.48	165.07	142.44	152.03	173.67	165.40	169.73
Total Current Liabilities	155.48	165.07	142.44	152.03	173.67	165.40	169.73
Non-Current Liabilities
Long-Term Debt	27.60	31.83	32.77	31.64	122.02	30.10	20.05
Other Non-Current Liabilities	3.60	5.30	4.02	0.00	0.00	0.00	0.00
Total Non-Current Liabilities	31.20	37.13	36.79	31.64	122.02	30.10	20.05
Total Liabilities	186.67	202.20	179.23	183.66	295.69	195.49	189.79
Stockholders' Equity
Common Stock	0.06	0.06	0.06	0.05	0.00	0.00	0.00
Retained Earnings	39.88	40.27	41.06	45.29	45.26	45.32	45.43
Accumulated Other Comprehensive Income	-5.76	-12.28	-8.22	-15.22	-0.08	1.41	0.33
Treasury Stock	3.09	3.24	2.38	-	-	-	-
Additional Paid-in Capital	45.80	51.68	44.66	50.42	0.00	0.00	0.00
Shares Outstanding	4.92	4.88	5.32	5.40	5.40	-	-
Total Stockholders' Equity	79.97	76.49	77.55	80.54	45.18	46.73	45.76
Total Liabilities & Equity	266.65	278.69	256.78	264.21	340.87	242.22	235.55

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About NSTS Bancorp Balance Sheet

How much debt does NSTS Bancorp have?

NSTS Bancorp had total debt of $27.59M as of Dec 31, 2025, against $36.90M in cash and short-term investments. Its debt-to-equity ratio was 0.35. Total debt was $31.83M a year earlier.

What are NSTS Bancorp's total assets?

NSTS Bancorp reported total assets of $266.65M as of Dec 31, 2025, down 4.3% from $278.69M a year earlier. Total liabilities were $186.67M.

What is NSTS Bancorp's shareholders' equity?

NSTS Bancorp's shareholders' equity was $79.97M as of Dec 31, 2025, or about $16.27 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition