NSTS Bancorp, Inc. reported a net loss of $386,000 for the year ended December 31, 2025, a significant improvement from the $789,000 net loss in 2024. Total assets decreased by $12.1 million to $266.6 million as of December 31, 2025, from $278.7 million at December 31, 2024. Total deposits decreased by $8.7 million to $181.5 million at December 31, 2025, compared to $190.2 million at December 31, 2024, partly due to increased competition in the time deposit market and a large estate account distribution. Total equity increased by $3.5 million to $80.0 million at December 31, 2025, primarily due to a decrease in unrealized losses on the securities available-for-sale portfolio and an increase in additional paid-in capital from stock compensation. Net interest income increased by $402,000 to $7.5 million for 2025, up from $7.1 million in 2024, driven by higher yields on loans. A reversal of provision for credit losses of $(192,000) was recorded in 2025, compared to a provision of $71,000 in 2024, reflecting a decrease in portfolio loan balances and reduced expected lifetime loss rates. Noninterest income increased by $331,000 to $2.3 million in 2025, mainly due to a higher gain on sale of mortgage loans ($1.6 million in 2025 vs. $1.2 million in 2024). Noninterest expenses rose by $593,000 to $10.3 million in 2025, primarily due to increases in salaries and employee benefits (4% salary increase, 11% health insurance cost increase, 15% 401K employer contribution increase) and data processing investments. The loan portfolio, net, decreased by $1.8 million to $128.6 million at December 31, 2025, with 91.3% consisting of oneto four-family residential mortgage loans. Non-accruing loans totaled $284,000 at December 31, 2025, up from $0 at December 31, 2024, all within the 1-4 family residential segment. The Bank paid off a $5.0 million FHLB Chicago advance in June 2025, resulting in no outstanding borrowings from FHLB Chicago at year-end 2025. NSTS Bancorp, Inc. is an emerging growth company and has elected to use the extended transition period for complying with new or revised financial accounting standards.