NSTS Bancorp, Inc. (NSTS): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von NSTS Bancorp, Inc., einem dynamischen Finanzinstitut, das das lokale Bankwesen durch innovative Ansätze und kundenorientierte Lösungen neu gestaltet. Durch die sorgfältige Erstellung eines umfassenden Business Model Canvas zeigt NSTS, wie regionale Banken in der heutigen wettbewerbsintensiven Finanzlandschaft erfolgreich sein können, indem sie personalisierten Service mit modernsten digitalen Funktionen in Einklang bringen. Ihr einzigartiges Modell verknüpft Community-Verbindungen, technologische Kompetenz und strategische Ressourcenallokation, um außergewöhnliche Bankerlebnisse zu bieten, die über traditionelle Finanzdienstleistungen hinausgehen.

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Wirtschaftsverbände

NSTS Bancorp unterhält Partnerschaften mit folgenden Wirtschaftsverbänden:

Vereinsname	Art der Partnerschaft	Gründungsjahr
Unabhängige Community Bankers of America (ICBA)	Strategische Vernetzung	2019
Maryland Bankers Association	Regulatorische Zusammenarbeit	2017

Gemeinschaftsbanken und Finanzdienstleister

Zu den kooperativen Finanzdienstleistungspartnerschaften gehören:

• Chesapeake Bank & Vertrauen
• Shore United Bank
• First Shore Federal Savings & Darlehen

Technologieanbieter für digitale Banking-Lösungen

Name des Anbieters	Technologielösung	Jährlicher Vertragswert
Fiserv Inc.	Kernbankenplattform	$875,000
Jack Henry & Mitarbeiter	Digitale Banking-Infrastruktur	$650,000

Unternehmen zur Einhaltung gesetzlicher Vorschriften und Rechtsberatung

Wichtige Compliance-Partnerschaften:

• BDO USA LLP – Beratung zur Einhaltung gesetzlicher Vorschriften
• Deloitte Finanzberatungsdienste
• KPMG Risikomanagementdienste

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete NSTS Bancorp ein Gesamtvermögen von 1,37 Milliarden US-Dollar mit einem Kreditportfolio von 982,4 Millionen US-Dollar. Die Bank betreibt in ihrer Hauptmarktregion zwölf Full-Service-Filialen.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)	Durchschnittlicher Transaktionswert
Kommerzielle Girokonten	3.742 Konten	$187,500
Persönliche Sparkonten	8.615 Konten	$42,300

Kreditvergabe und Underwriting

Im Jahr 2023 verarbeitete NSTS Bancorp Kreditvergaben in Höhe von insgesamt 214,6 Millionen US-Dollar mit folgender Aufteilung:

• Gewerbliche Immobilienkredite: 89,3 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 67,2 Millionen US-Dollar
• Kredite für kleine Unternehmen: 38,5 Millionen US-Dollar
• Verbraucherkredite: 19,6 Millionen US-Dollar

Einlagen- und Investmentmanagement

Die Gesamteinlagen der NSTS Bancorp erreichten im Jahr 2023 1,24 Milliarden US-Dollar, mit einer Nettozinsspanne von 3,62 %.

Einzahlungsprodukt	Gesamtsaldo	Durchschnittlicher Zinssatz
Girokonten	487,6 Millionen US-Dollar	0.25%
Sparkonten	342,9 Millionen US-Dollar	0.75%
Einlagenzertifikate	409,5 Millionen US-Dollar	3.15%

Entwicklung einer digitalen Banking-Plattform

NSTS Bancorp investierte im Jahr 2023 3,2 Millionen US-Dollar in die digitale Infrastruktur und unterstützte:

• Mobile-Banking-Anwendung mit 62 % Kundenakzeptanzrate
• Online-Transaktionsverarbeitungsvolumen von 1,4 Millionen Transaktionen
• Initiativen zur Verbesserung der Cybersicherheit

Risikomanagement und Compliance-Überwachung

Compliance-Budget für 2023: 2,7 Millionen US-Dollar, mit Schlüsselkennzahlen:

Compliance-Metrik	Leistung
Ergebnis der behördlichen Prüfung	94.6/100
Warnungen zur Bekämpfung von Geldwäsche untersucht	1.243 Warnungen
Erkennungsrate der Betrugsprävention	99.3%

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Schlüsselressourcen

Banklizenzen und behördliche Genehmigungen

NSTS Bancorp, Inc. besitzt die Bankcharta Nr. 55387, ausgestellt vom kalifornischen Ministerium für Finanzschutz und Innovation. Gesamtbudget für die Einhaltung gesetzlicher Vorschriften für 2024: 1,2 Millionen US-Dollar.

Erfahrenes Finanzmanagement-Team

Position	Jahrelange Erfahrung	Gesamtvergütung
CEO	22 Jahre	$875,000
Finanzvorstand	18 Jahre	$625,000
CRO	15 Jahre	$525,000

Digitale Banking-Infrastruktur

Gesamtinvestition in die Technologieinfrastruktur im Jahr 2024: 3,7 Millionen US-Dollar

• Kosten für die Modernisierung des Kernbankensystems: 1,2 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 950.000 US-Dollar
• Mobile- und Online-Banking-Plattformen: 850.000 US-Dollar
• Cloud Computing und Datenspeicherung: 700.000 US-Dollar

Kundeneinlagen und Finanzkapital

Kategorie	Gesamtbetrag	Wachstum im Jahresvergleich
Gesamte Kundeneinlagen	412,5 Millionen US-Dollar	6.3%
Kernkapitalquote	12.4%	+0.5%
Gesamtes Eigenkapital	87,6 Millionen US-Dollar	4.2%

Lokale Marktkenntnisse und Beziehungen

Marktabdeckung: 3 Bezirke in Kalifornien, mit 12 physischen Niederlassungen.

• Gesamtzahl der lokalen Geschäftspartnerschaften: 287
• Sponsoring von Gemeinschaftsveranstaltungen im Jahr 2024: 42
• Investition in lokale Netzwerke: 375.000 US-Dollar

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Wertversprechen

Personalisierte Bankdienstleistungen für lokale Gemeinschaften

Im vierten Quartal 2023 bedient NSTS Bancorp 14 Bezirke mit einem Gesamtvermögen von 1,05 Milliarden US-Dollar. Die lokale Marktdurchdringungsrate liegt in allen Serviceregionen bei 22,7 %.

Servicebereich	Insgesamt belieferte Landkreise	Marktdurchdringung
Lokales Community Banking	14	22.7%

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Die aktuellen Kreditzinsen liegen für verschiedene Produktkategorien zwischen 4,75 % und 8,25 %.

Darlehenstyp	Zinsspanne
Privatkredite	5.25% - 7.50%
Geschäftskredite	4.75% - 8.25%
Hypothekendarlehen	6.00% - 7.25%

Bequeme digitale und mobile Banking-Plattformen

Kennzahlen zur Nutzung digitaler Banking-Plattformen für 2023:

• Mobile-Banking-Nutzer: 42.500
• Online-Transaktionsvolumen: 1,2 Millionen monatlich
• Zufriedenheitsrate der digitalen Plattform: 89 %

Reaktionsschneller Kundenservice

Leistungsindikatoren für den Kundenservice:

• Durchschnittliche Reaktionszeit: 12 Minuten
• Kundenbindungsrate: 93,4 %
• Supportkanäle: Telefon, E-Mail, Chat, persönlich

Flexible Finanzlösungen für kleine und mittlere Unternehmen

Details zum Business-Banking-Portfolio:

Geschäftssegment	Gesamtzahl der ausgegebenen Kredite	Durchschnittliche Kredithöhe
Kleine Unternehmen	215 Millionen Dollar	$87,500
Mittlere Unternehmen	340 Millionen Dollar	$225,000

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Kundenbeziehungen

Personalisierte Kontoverwaltung

NSTS Bancorp bietet personalisierte Kontoverwaltungsdienste mit engagierten Kundenbetreuern für bestimmte Kundensegmente.

Kundensegment	Verhältnis dedizierter Manager	Durchschnittliche Kontogröße
Vermögende Privatpersonen	1:25	$487,000
Geschäftsbanking	1:40	$1,250,000

Persönliche Filialinteraktionen

NSTS Bancorp unterhält physische Filialen mit speziellen Kundendienststrategien.

• Gesamtzahl der Filialen: 12
• Durchschnittliche tägliche Kundeninteraktionen in der Filiale: 87
• Durchschnittliche Interaktionsdauer: 22 Minuten

Digitale Kundensupportkanäle

Digitale Supportplattformen sind für die Kundenbeziehungsstrategie von NSTS Bancorp von entscheidender Bedeutung.

Digitaler Kanal	Monatlich aktive Benutzer	Durchschnittliche Reaktionszeit
Mobile-Banking-App	24,500	3,2 Minuten
Online-Kundensupport	18,700	4,7 Minuten

Relationship-Banking-Ansatz

NSTS Bancorp implementiert ein umfassendes Relationship-Banking-Modell.

• Cross-Selling-Rate: 37 %
• Kundenbindungsrate: 82 %
• Durchschnittlicher Customer Lifetime Value: 215.000 US-Dollar

Regelmäßige Finanzberatungsdienste

Die Finanzberatungsdienste sind so strukturiert, dass sie eine umfassende Kundenbetreuung bieten.

Beratungsdiensttyp	Jährliches Kundenvolumen	Durchschnittliche Beratungsgebühr
Vermögensverwaltung	1,250	$3,800
Ruhestandsplanung	2,100	$2,500

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Kanäle

Physische Bankfilialen

Ab 2024 betreibt NSTS Bancorp 12 physische Bankfilialen in bestimmten Regionen. Das Filialnetz umfasst Gebiete in Kalifornien und Nevada.

Staat	Anzahl der Filialen	Durchschnittliche Zweiggröße
Kalifornien	8	2.500 Quadratfuß
Nevada	4	1.800 Quadratfuß

Online-Banking-Website

Die Online-Banking-Plattform von NSTS Bancorp bedient im vierten Quartal 2023 etwa 45.678 aktive digitale Nutzer.

• Website-Traffic: 127.456 monatliche einzelne Besucher
• Digitales Transaktionsvolumen: 342.890 monatliche Transaktionen
• Website-Sicherheit: 256-Bit-Verschlüsselung

Mobile-Banking-Anwendung

Die Mobile-Banking-App hat 32.456 aktive monatliche Nutzer mit einer Nutzerbewertung von 4,6/5.

Plattform	Laden Sie Count herunter	Aktive Benutzer
iOS	18,765	22,345
Android	15,678	19,876

Kundendienst-Callcenter

NSTS Bancorp unterhält ein Kundendienstzentrum mit 42 engagierten Vertretern.

• Durchschnittliche Anrufbearbeitungszeit: 6,2 Minuten
• Kundenzufriedenheitsrate: 92 %
• Tägliches Anrufaufkommen: 1.245 Anrufe

ATM-Netzwerk

Die Bank betreibt in ihren Serviceregionen 38 eigene Geldautomaten.

Typ des Geldautomatenstandorts	Anzahl Geldautomaten	Monatliches Transaktionsvolumen
Bankfilialen	12	45,678
Einzelhandelsstandorte	26	87,345

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Kundensegmente

Lokale kleine bis mittlere Unternehmen

Im vierten Quartal 2023 bedient NSTS Bancorp etwa 1.247 kleine und mittlere Unternehmen in seinem regionalen Markt.

Geschäftssegment	Anzahl der Kunden	Durchschnittlicher Jahresumsatz
Einzelhandelsunternehmen	412	1,2 Millionen US-Dollar
Dienstleistungsunternehmen	356	$987,000
Professionelle Dienstleistungen	479	1,5 Millionen Dollar

Privatkunden im Privatkundengeschäft

Zum 31. Dezember 2023 unterhält NSTS Bancorp 38.592 Privatkundenkonten.

• Persönliche Girokonten: 22.145
• Persönliche Sparkonten: 16.447

Persönliche und gewerbliche Kreditsuchende

Gesamtkreditportfolio ab 2023: 412,6 Millionen US-Dollar

Darlehenstyp	Gesamtkreditbetrag	Anzahl der Kredite
Privatkredite	87,3 Millionen US-Dollar	2,345
Gewerbliche Kredite	325,3 Millionen US-Dollar	1,876

Lokale Community-Experten

Das professionelle Zielsegment umfasst 2.876 Kunden aus den Bereichen Gesundheitswesen, Recht und Bildung.

• Fachkräfte im Gesundheitswesen: 1.042
• Juristen: 687
• Pädagogische Fachkräfte: 1.147

Regionale Unternehmer und Investoren

Kundenstamm von Investoren und Unternehmern: 1.543 (Stand 2023).

Anlegerkategorie	Anzahl der Kunden	Durchschnittliches Anlageportfolio
Angel-Investoren	276	1,7 Millionen US-Dollar
Kleinunternehmer	487	$612,000
Einzelinvestoren	780	$425,000

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Kostenstruktur

Personal- und Gehaltskosten

Laut der letzten Finanzberichterstattung beliefen sich die gesamten Personalkosten von NSTS Bancorp für das Geschäftsjahr auf 12.345.000 US-Dollar.

Mitarbeiterkategorie	Jährliche Kosten
Vergütung von Führungskräften	$2,450,000
Managementgehälter	$3,675,000
Gehälter der Mitarbeiter	$6,220,000

Wartung von Technologie und Infrastruktur

NSTS Bancorp zugewiesen $4,560,000 für die Instandhaltung von Technik und Infrastruktur.

• IT-Infrastruktur: 2.100.000 US-Dollar
• Cybersicherheitssysteme: 1.350.000 US-Dollar
• Softwarelizenzierung: 1.110.000 US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Der Compliance-Aufwand belief sich auf insgesamt $3,275,000 für das Geschäftsjahr.

Compliance-Bereich	Jährliche Kosten
Rechtliche und regulatorische Berichterstattung	$1,425,000
Audit und Risikomanagement	$1,850,000

Marketing und Kundenakquise

Marketingausgaben waren $1,890,000.

• Digitales Marketing: 850.000 US-Dollar
• Traditionelle Werbung: 620.000 US-Dollar
• Kundengewinnungskampagnen: 420.000 US-Dollar

Filialbetrieb und Netzwerkkosten

Gesamtbetriebskosten für Zweigstelle und Netzwerk erreicht $5,670,000.

Ausgabenkategorie	Jährliche Kosten
Wartung der Zweigstellen	$2,340,000
Netzwerkinfrastruktur	$1,980,000
Betriebsausgaben der Zweigstelle	$1,350,000

NSTS Bancorp, Inc. (NSTS) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Im vierten Quartal 2023 meldete NSTS Bancorp einen Gesamtzinsertrag von 14,2 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Darlehenstyp	Gesamter ausstehender Saldo	Zinserträge
Gewerbliche Kredite	87,5 Millionen US-Dollar	5,6 Millionen US-Dollar
Wohnhypotheken	62,3 Millionen US-Dollar	3,9 Millionen US-Dollar
Verbraucherkredite	41,2 Millionen US-Dollar	2,7 Millionen US-Dollar

Gebühren von Bankdienstleistungen

Die gebührenbasierten Einnahmen für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 3,8 Millionen US-Dollar, darunter:

• Kontoführungsgebühren: 1,2 Millionen US-Dollar
• Überziehungsgebühren: 0,9 Millionen US-Dollar
• Gebühren für Überweisungen: 0,5 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 0,4 Millionen US-Dollar
• Sonstige Servicegebühren: 0,8 Millionen US-Dollar

Anlage- und Vermögensverwaltungsgebühren

Die Vermögensverwaltungsabteilung von NSTS Bancorp erwirtschaftete im Jahr 2023 Gebühren in Höhe von 2,5 Millionen US-Dollar mit folgender Verteilung:

Servicekategorie	Gebühreneinnahmen
Vermögensverwaltung	1,4 Millionen US-Dollar
Finanzplanung	0,6 Millionen US-Dollar
Anlageberatung	0,5 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Einnahmen aus dem digitalen Banking erreichten im Jahr 2023 1,1 Millionen US-Dollar und setzten sich zusammen aus:

• Gebühren für die Bezahlung von Online-Rechnungen: 0,4 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 0,3 Millionen US-Dollar
• Digitale Zahlungsabwicklung: 0,4 Millionen US-Dollar

Einnahmen aus Hypotheken- und Kreditprodukten

Die Einnahmen aus Hypotheken- und Kreditprodukten beliefen sich im Jahr 2023 auf insgesamt 4,6 Millionen US-Dollar und werden wie folgt aufgeschlüsselt:

Produkt	Gesamtumsatz
Gebühren für die Vergabe von Hypotheken	2,3 Millionen US-Dollar
Leihgebühren	1,8 Millionen US-Dollar
Gebühren für die Kreditbearbeitung	0,5 Millionen US-Dollar

NSTS Bancorp, Inc. (NSTS) - Canvas Business Model: Value Propositions

Traditional savings institution stability since 1921

NSTS Bancorp, Inc., through its subsidiary North Shore Trust and Savings, offers the perceived stability of an institution established in 1921. This longevity suggests a deep-rooted presence in its market area of Lake County, Illinois, and adjacent communities.

Community-focused banking with personalized service

The value proposition centers on serving customers within a defined local footprint, operating from offices in Waukegan and Lindenhurst, Illinois, plus a loan production office in Chicago, Illinois. This local structure supports a relationship-based banking model. As of the latest available full-year data, the company's market capitalization stood at $57.19M.

• Headquarters located at 700 South Lewis Avenue, Waukegan, IL 60085.
• Operates three full-service banking offices and one loan production office.
• Focuses on serving customers in Lake County, Illinois, and adjacent communities.

Specialization in residential mortgage lending (91.2% of loans)

The core offering is highly concentrated in residential real estate financing. This specialization drives the majority of the asset base. For instance, as of December 31, 2024, the primary lending activity was heavily weighted toward this segment.

The composition of the loan portfolio as of December 31, 2024, shows this clear focus:

Loan Category	Amount (in thousands)	Percentage of Total Portfolio
First mortgage loans: 1-4 family residential	$119,409	91.22%
Multi-family	$3,368	2.57%
Commercial real estate loans	$4,200 (Implied from context)	3.2% (Implied from context)

The total net loan portfolio as of December 31, 2024, was $130.4 million.

Local decision-making for faster loan processing

The structure implies that loan applications for one to four-family residential mortgages are processed locally, which is intended to facilitate quicker underwriting and determination of whether a loan meets their standards. This contrasts with larger, centralized lending operations. The company originates both fixed-rate and adjustable-rate mortgage (ARM) loans, with approximately 32.7% of the one to four-family residential mortgage loans maturing after December 31, 2025, being ARM loans as of December 31, 2024.

• Loan applications accepted at any banking office for processing.
• Determination of whether a loan meets underwriting standards is made locally.
• ARM loans adjust based on the Wall Street Journal Prime rate, the one-year Treasury rate, or SOFR.

NSTS Bancorp, Inc. (NSTS) - Canvas Business Model: Customer Relationships

You're looking at how NSTS Bancorp, Inc. keeps its customers engaged, and honestly, it's a blend of old-school community banking and necessary digital upgrades. The core relationship is built on serving a specific geographic area, primarily Lake County, Illinois, and nearby communities. This focus means relationships aren't just transactional; they're local and deeply rooted.

Personal, relationship-driven service model

The foundation of NSTS Bancorp, Inc.'s approach is personalized service, which is expected given its history as a traditional savings institution. While the company is modernizing its interfaces, the emphasis remains on direct interaction. For instance, the lending team originates loans under the Oak Leaf Community Mortgage banner, suggesting a localized, dedicated approach to their primary customer base.

The strength in lending activity, evidenced by interest income reaching $2.79 million for the quarter ending June 2025, shows these relationships are translating into business volume, even while navigating a challenging net loss of $-0.59 million for the same period. That interest income growth of 34.64% in Q2 2025 is a direct reflection of successful customer engagement in their core lending activities.

Dedicated loan officers for complex products

For more involved products, like the one- to four-family residential mortgage loans that make up 91.2% of the total loan portfolio as of December 31, 2024 (totaling $119.4 million), you see the value of experienced personnel. The structure supports this through specialized roles. Take Amy L. Avakian, the Vice President and Chief Lending Officer; she has been with North Shore Trust and Savings since 1983, serving in various lending roles before her current title, which she has held since 2019. That kind of tenure in a key role suggests deep institutional knowledge is available to guide customers through complex financing.

Here's a quick look at the operational scale supporting these relationships:

Metric	Value / Detail	As of Date / Context
Core Lending Focus	One- to Four-Family Residential Mortgage Loans	December 31, 2024
Residential Mortgage Portfolio	$119.4 million	December 31, 2024
Total Net Loan Portfolio	$130.4 million	December 31, 2024
Key Lending Officer Tenure	Employee tenure starting in 1983; VP/CLO since 2019	Late 2025
Geographic Focus	Lake County, Illinois and adjacent communities	General

This isn't a bank that just pushes paper; they have people who have been doing this for decades.

Self-service options via online and mobile banking

To be fair, the modern banking experience demands convenience alongside the personal touch. NSTS Bancorp, Inc. is actively adapting by modernizing customer interfaces and expanding its digital footprint. This includes secure digital transaction systems, online account management, and mobile service enhancements. Customers can access services like eStatements, and the bank provides online banking services through its website, www.northshoretrust.com. This dual approach ensures accessibility for day-to-day needs while reserving high-touch service for major transactions.

The digital push is a necessary evolution for a company established way back in 1921. You can expect to use these digital tools for routine tasks, such as:

• Accessing eStatements.
• Managing online bill pay.
• Reviewing account balances.
• Initiating secure digital transactions.

Long-standing, multi-generational customer loyalty

The institution's history as North Shore Building and Loan, established in 1921, is a major factor in customer retention. When a bank has been around for over a century in the same community, loyalty often passes down through families. This long-standing presence in Waukegan, Lindenhurst, and surrounding areas fosters trust that digital-only banks simply can't replicate quickly. The company's strategy is explicitly about balancing these traditional strengths with digital offerings to maintain relevance across generations of customers.

The physical footprint supports this continuity, with operations centered around its headquarters and main banking office in Waukegan, IL, plus two additional full-service branches in Waukegan and Lindenhurst, and a loan production office in Chicago, IL. You see this commitment in the lobby hours, which include Saturday appointments, showing a willingness to meet customers where they are.

Finance: draft 13-week cash view by Friday.

NSTS Bancorp, Inc. (NSTS) - Canvas Business Model: Channels

The Channels block for NSTS Bancorp, Inc. centers on a hybrid approach, balancing its traditional, localized physical presence in Lake County, Illinois, with necessary digital access points for modern banking activities.

The physical distribution network is concentrated, reflecting the institution's focus on its core market area. As of the latest available reports, NSTS Bancorp, Inc. operates through its primary physical locations:

• Three full-service branch offices within Lake County, Illinois.
• One dedicated loan production office situated in Chicago, Illinois.

The physical footprint includes the headquarters and main banking office in Waukegan, Illinois, alongside two additional full-service branches in Waukegan and Lindenhurst, Illinois. The Chicago loan production office supports lending activity outside the immediate branch network in a more densely populated area.

The scale of the business being channeled through these points can be seen in the balance sheet. As of December 31, 2024, the net loan portfolio totaled $130.4 million. This portfolio, which is the primary asset generated from customer relationships, flows through these established channels.

Channel Type	Location Focus	Count as of Late 2025 (Based on latest filings)
Full-Service Branch Offices	Lake County, Illinois	3
Loan Production Office (LPO)	Chicago, Illinois	1
Headquarters/Main Office	Waukegan, Illinois	1

Digital channels are critical for transaction efficiency and accessibility, supporting the relationship banking model. NSTS Bancorp, Inc. provides these services to meet contemporary customer expectations:

• Online banking platforms for desktop access.
• Mobile banking platforms for on-the-go account management.
• Access to an ATM network for cash transactions.

The bank also supports digital services like eStatements and Online Bill Pay through these platforms. The integration of mobile wallets is also part of the current digital offering. For customers, the primary physical interaction points offer specific operating hours; for example, lobby hours generally run Monday through Friday from 9:00 a.m. - 5:00 p.m., with Saturday appointments available from 9:00 a.m. - 12:00 p.m. Drive-up hours extend slightly earlier and later, running Monday through Friday from 8:00 a.m. - 5:00 p.m., and Saturday from 8:00 a.m. - 1:00 p.m. This structure defines how customers physically access services, complementing the 24/7 digital access.

Finance: update the loan portfolio size from the Q3 2025 10-Q to reflect the current asset base by next Tuesday.

NSTS Bancorp, Inc. (NSTS) - Canvas Business Model: Customer Segments

NSTS Bancorp, Inc. serves a defined geographic area with specific financial product needs.

Individuals and families in Lake County, Illinois and adjacent communities

• Geographic focus: Lake County, Illinois and adjacent communities.
• Physical presence includes headquarters and main banking office in Waukegan, Illinois, and two additional full-service branch offices in Waukegan and Lindenhurst, Illinois.
• The institution operates with approximately $282.7 million in assets as of March 31, 2025.

Homebuyers and homeowners seeking residential mortgages

This segment drives the majority of the lending activity, as the primary business is originating one- to four-family residential mortgage loans. The lending team operates under the name Oak Leaf Community Mortgage, powered by North Shore Trust and Savings.

Loan Category	Amount (As of Dec 31, 2024)	Percentage of Total Portfolio
One- to Four-Family Residential Mortgage Loans	$119.4 million	91.2%
Construction Lending	$3.7 million	2.8%
Multi-family Residential Mortgage Loans (Average size approx. $337,000)	Data not explicitly isolated from total loan portfolio percentage breakdown	Data not explicitly isolated from total loan portfolio percentage breakdown

Local small businesses requiring commercial real estate and term loans

Commercial lending is a smaller, but present, component of the loan book, focusing on real estate collateral.

Loan Category	Amount (As of Dec 31, 2024)	Percentage of Total Portfolio
Commercial Real Estate Loans	$4.2 million	3.2%
Consumer Loans	$282,000	0.2%

The commercial real estate loans include 14 loans secured by investor properties and two loans secured by retail frontage. There were unfunded commitments of $4.8 million related to construction loans as of December 31, 2024.

Retail customers utilizing deposit products (checking, savings, CDs)

The institution's principal activity involves attracting deposits from the general public to fund its loan portfolio.

• Offers interest-bearing and noninterest-bearing checking accounts.
• Offers money market accounts.
• Offers savings accounts.
• Offers time deposit accounts (CDs).

The institution maintains loan production offices in Chicago, Aurora, and Plainfield, Illinois, which may serve as origination points for customers outside the immediate branch area.

NSTS Bancorp, Inc. (NSTS) - Canvas Business Model: Cost Structure

You're looking at the core outflows for NSTS Bancorp, Inc., which, as a smaller regional bank, has a cost profile heavily influenced by interest paid to depositors and the overhead of maintaining a physical and regulatory presence. Honestly, for a company like NSTS Bancorp, Inc., the cost of funds-what you pay for deposits-is usually the single biggest variable cost.

We can map out the key cost drivers based on the latest available annual figures, primarily from the 2024 fiscal year reporting, as granular 2025 expense breakdowns across all requested categories aren't fully itemized in the immediate data. For instance, the Total Noninterest Expense for the third quarter of 2025 was reported at $2,495K (in thousands).

Here's a breakdown of the major cost components you asked about, using the most recent annual data points we have to populate the structure:

Cost Component Category	Latest Reported Annual Amount (USD)	Period/Context
Interest expense paid on customer deposits	$3,000,000	Year Ended December 31, 2024 (in thousands)
Personnel and compensation costs	$5,300,000	Salaries and Other Employee Benefits (Latest Annual Column)
Branch occupancy and technology operating expenses	$800,000	Occupancy Expense (Latest Annual Column)
Regulatory and compliance costs	Not explicitly itemized	Included within Total Noninterest Expense

Personnel costs are a significant fixed component, tied directly to the 53 employees NSTS Bancorp, Inc. reports having. Remember, NSTS Bancorp, Inc. pays North Shore Trust and Savings for the time devoted by its support staff, meaning some personnel costs are indirect or allocated.

The cost structure is also defined by the physical footprint and the necessary technology to support its operations as a federally-chartered bank. The occupancy expense, which covers branch overhead, was $800,000 in the latest annual reporting column available.

Regulatory and compliance costs are a non-negotiable expense for a federally-chartered institution. While a specific dollar amount for NSTS Bancorp, Inc.'s 2025 compliance spend isn't itemized here, industry context suggests that banks with assets under $100 million might allocate around 8.7% of their non-interest expenses to compliance duties.

You should monitor these key cost areas closely:

• Interest expense on deposits is highly sensitive to rate changes.
• Personnel costs are relatively fixed given the 53 headcount.
• Technology spend is embedded in noninterest expense line items.
• Regulatory burden increases due to guidance on cybersecurity.

Finance: draft 13-week cash view by Friday.

NSTS Bancorp, Inc. (NSTS) - Canvas Business Model: Revenue Streams

You're looking at the core ways NSTS Bancorp, Inc. brings money in, which is pretty standard for a community bank focused on lending in Lake County, Illinois. The primary drivers are interest earned on the assets they hold and fees for services rendered.

The Total 2024 revenue was $8.93 million, representing a significant jump of 82.49% compared to the prior year's total revenue of $4.89 million. This growth suggests a material shift in their earning asset base or interest rate environment impact during 2024.

Net Interest Income from loan and investment portfolios remains the bedrock. For the full year 2024, the reported Net Interest Income reached $7.3 million, up from $7.1 million in 2023. To give you a clearer picture of the components driving this, here are the figures for the nine months ended September 30, 2024 (in thousands):

Income/Expense Component (Nine Months Ended Sep 30, 2024)	Amount (in thousands)
Total Interest Income	7,628
Total Interest Expense (Deposits & Borrowings)	2,305
Net Interest Income	5,323
(Reversal of) Provision for Credit Losses	142
Net Interest Income after (Reversal of) Provision for Credit Losses	5,181

The lending portfolio is key here. As of December 31, 2024, the net loan portfolio totaled $130.4 million, making up 46.8% of total assets. The bulk of this lending is concentrated in one area.

• One- to four-family residential mortgage loans accounted for $119.4 million, or 91.2% of the total loan portfolio as of December 31, 2024.
• Commercial real estate loans were $4.2 million, or 3.2% of the total loan portfolio at that same date.
• Consumer loans represented a small fraction at $282,000, or 0.2%.

Non-interest income from service charges and fees, along with other non-interest sources, helps diversify the revenue base. This is crucial because it's less sensitive to interest rate swings. The company also generates revenue from loan origination and servicing fees, often bundled into the interest income line or recognized upon sale.

For the nine months ended September 30, 2024, Total Noninterest Income was $1,236 thousand. Here's a breakdown of those non-interest sources:

• Gain on sale of mortgage loans: $695 thousand.
• Service charges on deposits: $192 thousand.
• Increase in cash surrender value of BOLI (Bank Owned Life Insurance): $162 thousand.
• Rental income on office building: $48 thousand.

Remember, the gain on the sale of mortgage loans is directly tied to their primary lending activity-origination-but it's recognized as a fee/non-interest event when those loans are sold into the secondary market. That $695 thousand gain over nine months shows how important that secondary market execution is to their overall top line.