NSTS Bancorp, Inc. (NSTS): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de NSTS Bancorp, Inc., una institución financiera dinámica que está remodelando la banca local a través de enfoques innovadores y soluciones centradas en el cliente. Al crear meticulosamente un lienzo de modelo de negocio integral, NSTS demuestra cómo los bancos regionales pueden prosperar en el panorama financiero competitivo actual, equilibrando el servicio personalizado con capacidades digitales de vanguardia. Su modelo único entrelaza las conexiones comunitarias, la destreza tecnológica y la asignación de recursos estratégicos para ofrecer experiencias bancarias excepcionales que van más allá de los servicios financieros tradicionales.

NSTS Bancorp, Inc. (NSTS) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales y regionales

NSTS Bancorp mantiene asociaciones con las siguientes asociaciones comerciales:

Nombre de la asociación	Tipo de asociación	Año establecido
Independent Community Bankers of America (ICBA)	Redes estratégicas	2019
Asociación de Banqueros de Maryland	Colaboración regulatoria	2017

Bancos comunitarios y proveedores de servicios financieros

Las asociaciones de servicio financiero colaborativo incluyen:

• Banco de Chesapeake & Confianza
• Shore United Bank
• Primera costa Federal Savings & Préstamo

Proveedores de tecnología para soluciones de banca digital

Nombre del proveedor	Solución tecnológica	Valor anual del contrato
Fiserv Inc.	Plataforma bancaria central	$875,000
Jack Henry & Asociado	Infraestructura bancaria digital	$650,000

Cumplimiento regulatorio y firmas de asesoramiento legal

Asociaciones de cumplimiento clave:

• BDO USA LLP - Consultoría de cumplimiento regulatorio
• Servicios de asesoramiento financiero de Deloitte
• Servicios de gestión de riesgos de KPMG

NSTS Bancorp, Inc. (NSTS) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, NSTS Bancorp informó activos totales de $ 1.37 mil millones con una cartera de préstamos de $ 982.4 millones. El banco opera 12 ubicaciones de sucursales de servicio completo en su región primaria de mercado.

Categoría de servicio bancario	Volumen total (2023)	Valor de transacción promedio
Cuentas corrientes comerciales	3.742 cuentas	$187,500
Cuentas de ahorro personal	8.615 cuentas	$42,300

Originación de préstamo y suscripción

En 2023, NSTS Bancorp procesó originaciones de préstamos totales de $ 214.6 millones con el siguiente desglose:

• Préstamos inmobiliarios comerciales: $ 89.3 millones
• Préstamos hipotecarios residenciales: $ 67.2 millones
• Préstamos para pequeñas empresas: $ 38.5 millones
• Préstamos al consumidor: $ 19.6 millones

Gestión de depósitos e inversiones

Los depósitos totales para NSTS Bancorp alcanzaron los $ 1.24 mil millones en 2023, con un margen de interés neto de 3.62%.

Producto de depósito	Saldo total	Tasa de interés promedio
Cuentas corrientes	$ 487.6 millones	0.25%
Cuentas de ahorro	$ 342.9 millones	0.75%
Certificados de depósito	$ 409.5 millones	3.15%

Desarrollo de la plataforma de banca digital

NSTS Bancorp invirtió $ 3.2 millones en infraestructura digital en 2023, respaldo:

• Aplicación de banca móvil con 62% de tasa de adopción del cliente
• Volumen de procesamiento de transacciones en línea de 1,4 millones de transacciones
• Iniciativas de mejora de ciberseguridad

Gestión de riesgos y monitoreo de cumplimiento

Presupuesto de cumplimiento para 2023: $ 2.7 millones, con métricas clave:

Métrico de cumplimiento	Actuación
Puntaje de examen regulatorio	94.6/100
Alertas contra el lavado de dinero investigadas	1,243 alertas
Tasa de detección de prevención de fraude	99.3%

NSTS Bancorp, Inc. (NSTS) - Modelo de negocio: recursos clave

Licencias bancarias y aprobaciones regulatorias

NSTS Bancorp, Inc. posee la Carta Bancaria #55387, emitida por el Departamento de Protección e Innovación Financiera de California. Presupuesto total de cumplimiento regulatorio para 2024: $ 1.2 millones.

Equipo experimentado de gestión financiera

Posición	Años de experiencia	Compensación total
CEO	22 años	$875,000
director de Finanzas	18 años	$625,000
Cro	15 años	$525,000

Infraestructura bancaria digital

Inversión de infraestructura tecnológica total en 2024: $ 3.7 millones

• Costo de actualización del sistema bancario central: $ 1.2 millones
• Infraestructura de ciberseguridad: $ 950,000
• Plataformas de banca móvil y en línea: $ 850,000
• Computación en la nube y almacenamiento de datos: $ 700,000

Depósitos de clientes y capital financiero

Categoría	Cantidad total	Crecimiento año tras año
Depósitos totales de clientes	$ 412.5 millones	6.3%
Relación de capital de nivel 1	12.4%	+0.5%
Equidad total de accionistas	$ 87.6 millones	4.2%

Conocimiento y relaciones del mercado local

Cobertura del mercado: 3 condados en California, con 12 ubicaciones de sucursales físicas.

• Asociaciones comerciales locales totales: 287
• Patrocinios de eventos comunitarios en 2024: 42
• Inversión local de redes: $ 375,000

NSTS Bancorp, Inc. (NSTS) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para comunidades locales

A partir del cuarto trimestre de 2023, NSTS Bancorp atiende a 14 condados con activos totales de $ 1.05 mil millones. La tasa de penetración del mercado local es de 22.7% en sus regiones de servicio.

Vía de Servício	Totales condados atendidos	Penetración del mercado
Banca comunitaria local	14	22.7%

Tasas de interés competitivas sobre préstamos y depósitos

Las tasas de interés de préstamo actuales oscilan entre 4.75% y 8.25% para diferentes categorías de productos.

Tipo de préstamo	Rango de tasas de interés
Préstamos personales	5.25% - 7.50%
Préstamos comerciales	4.75% - 8.25%
Préstamos hipotecarios	6.00% - 7.25%

Convenientes plataformas de banca digital y móvil

Métricas de uso de la plataforma de banca digital para 2023:

• Usuarios de banca móvil: 42,500
• Volumen de transacciones en línea: 1.2 millones mensuales
• Tasa de satisfacción de la plataforma digital: 89%

Servicio al cliente receptivo

Indicadores de rendimiento del servicio al cliente:

• Tiempo de respuesta promedio: 12 minutos
• Tasa de retención de clientes: 93.4%
• Canales de soporte: teléfono, correo electrónico, chat, en persona

Soluciones financieras flexibles para pequeñas y medianas empresas

Detalles de la cartera de banca de negocios:

Segmento de negocios	Préstamos totales emitidos	Tamaño promedio del préstamo
Pequeñas empresas	$ 215 millones	$87,500
Empresas medianas	$ 340 millones	$225,000

NSTS Bancorp, Inc. (NSTS) - Modelo de negocio: relaciones con los clientes

Gestión de cuentas personalizada

NSTS Bancorp proporciona servicios de gestión de cuentas personalizados con gerentes de relaciones dedicados para segmentos específicos de clientes.

Segmento de clientes	Relación de gerente dedicada	Tamaño promedio de la cuenta
Individuos de alto patrimonio	1:25	$487,000
Banca de negocios	1:40	$1,250,000

Interacciones en la rama en persona

NSTS Bancorp mantiene la presencia de sucursal física con estrategias especializadas de servicio al cliente.

• Número total de ramas: 12
• Interacciones del cliente promedio de la rama diaria: 87
• Duración de interacción promedio: 22 minutos

Canales de atención al cliente digital

Las plataformas de soporte digital son críticas para la estrategia de relación con el cliente de NSTS Bancorp.

Canal digital	Usuarios activos mensuales	Tiempo de respuesta promedio
Aplicación de banca móvil	24,500	3.2 minutos
Atención al cliente en línea	18,700	4.7 minutos

Enfoque de banca de relación

NSTS Bancorp implementa un modelo de banca de relación integral.

• Tasa de venta cruzada: 37%
• Tasa de retención de clientes: 82%
• Valor promedio de por vida del cliente: $ 215,000

Servicios de asesoramiento financiero regular

Los servicios de asesoramiento financiero están estructurados para proporcionar atención al cliente integral.

Tipo de servicio de asesoramiento	Volumen anual del cliente	Tarifa de asesoramiento promedio
Gestión de patrimonio	1,250	$3,800
Planificación de jubilación	2,100	$2,500

NSTS Bancorp, Inc. (NSTS) - Modelo de negocios: canales

Sucursales bancarias físicas

A partir de 2024, NSTS Bancorp opera 12 sucursales bancarias físicas ubicadas en regiones específicas. La red de sucursales cubre áreas en California y Nevada.

Estado	Número de ramas	Tamaño promedio de la rama
California	8	2.500 pies cuadrados
Nevada	4	1.800 pies cuadrados

Sitio web de banca en línea

La plataforma bancaria en línea de NSTS Bancorp sirve aproximadamente 45,678 usuarios digitales activos a partir del cuarto trimestre de 2023.

• Tráfico del sitio web: 127,456 visitantes únicos mensuales
• Volumen de transacción digital: 342,890 transacciones mensuales
• Seguridad del sitio web: cifrado de 256 bits

Aplicación de banca móvil

La aplicación de banca móvil tiene 32,456 usuarios mensuales activos con una calificación de usuario de 4.6/5.

Plataforma	Descargar recuento	Usuarios activos
iOS	18,765	22,345
Androide	15,678	19,876

Centro de llamadas de servicio al cliente

NSTS Bancorp mantiene un centro de servicio al cliente con 42 representantes dedicados.

• Tiempo promedio de manejo de llamadas: 6.2 minutos
• Tasa de satisfacción del cliente: 92%
• Volumen de llamadas diarias: 1.245 llamadas

Red de cajeros automáticos

El banco opera 38 cajeros automáticos patentados en sus regiones de servicio.

Tipo de ubicación de cajero automático	Número de cajeros automáticos	Volumen de transacción mensual
Sucursales bancarias	12	45,678
Ubicación minorista	26	87,345

NSTS Bancorp, Inc. (NSTS) - Modelo de negocio: segmentos de clientes

Empresas locales pequeñas a medianas

A partir del cuarto trimestre de 2023, NSTS Bancorp sirve aproximadamente 1,247 empresas pequeñas a medianas en su mercado regional.

Segmento de negocios	Número de clientes	Ingresos anuales promedio
Negocios minoristas	412	$ 1.2 millones
Empresas de servicios	356	$987,000
Servicios profesionales	479	$ 1.5 millones

Clientes de banca minorista individual

NSTS Bancorp mantiene 38,592 cuentas de banca minorista individual al 31 de diciembre de 2023.

• Cuentas corrientes personales: 22,145
• Cuentas de ahorro personal: 16,447

Buscadores de préstamos personales y comerciales

Cartera de préstamos totales a partir de 2023: $ 412.6 millones

Tipo de préstamo	Monto total del préstamo	Número de préstamos
Préstamos personales	$ 87.3 millones	2,345
Préstamos comerciales	$ 325.3 millones	1,876

Profesionales de la comunidad local

El segmento profesional objetivo incluye a 2,876 clientes en sectores de salud, legal y educativo.

• Profesionales de la salud: 1.042
• Profesionales legales: 687
• Profesionales educativos: 1.147

Empresarios e inversores regionales

Base de clientes de inversores y empresarios: 1.543 a partir de 2023

Categoría de inversionista	Número de clientes	Cartera de inversiones promedio
Inversores ángeles	276	$ 1.7 millones
Inversores de pequeñas empresas	487	$612,000
Inversores individuales	780	$425,000

NSTS Bancorp, Inc. (NSTS) - Modelo de negocio: Estructura de costos

Personal y gastos salariales

A partir de la información financiera más reciente, los gastos totales de personal de NSTS Bancorp fueron de $ 12,345,000 para el año fiscal.

Categoría de empleado	Costo anual
Compensación ejecutiva	$2,450,000
Salarios de gestión	$3,675,000
Salarios del personal	$6,220,000

Mantenimiento de tecnología e infraestructura

NSTS Bancorp asignado $4,560,000 para tecnología y mantenimiento de infraestructura.

• Infraestructura: $ 2,100,000
• Sistemas de ciberseguridad: $ 1,350,000
• Licencias de software: $ 1,110,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento totalizaron $3,275,000 para el año fiscal.

Área de cumplimiento	Costo anual
Informes legales y regulatorios	$1,425,000
Auditoría y gestión de riesgos	$1,850,000

Marketing y adquisición de clientes

Los gastos de marketing fueron $1,890,000.

• Marketing digital: $ 850,000
• Publicidad tradicional: $ 620,000
• Campañas de adquisición de clientes: $ 420,000

Operaciones de sucursales y gastos de red

Los costos operativos totales de la rama y la red alcanzaron $5,670,000.

Categoría de gastos	Costo anual
Mantenimiento de la instalación de la sucursal	$2,340,000
Infraestructura de red	$1,980,000
Gastos operativos de rama	$1,350,000

NSTS Bancorp, Inc. (NSTS) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

A partir del cuarto trimestre de 2023, NSTS Bancorp informó ingresos por intereses totales de $ 14.2 millones. El desglose de la cartera de préstamos es el siguiente:

Tipo de préstamo	Saldo pendiente total	Ingresos por intereses
Préstamos comerciales	$ 87.5 millones	$ 5.6 millones
Hipotecas residenciales	$ 62.3 millones	$ 3.9 millones
Préstamos al consumo	$ 41.2 millones	$ 2.7 millones

Tarifas de los servicios bancarios

Los ingresos basados ​​en tarifas para servicios bancarios en 2023 totalizaron $ 3.8 millones, que incluyen:

• Tarifas de mantenimiento de la cuenta: $ 1.2 millones
• Tarifas de sobregiro: $ 0.9 millones
• Tasas de transferencia de cables: $ 0.5 millones
• Tarifas de transacción de cajeros automáticos: $ 0.4 millones
• Otros cargos de servicio: $ 0.8 millones

Tarifas de gestión de inversión y patrimonio

La división de gestión de patrimonio de NSTS Bancorp generó $ 2.5 millones en tarifas durante 2023, con la siguiente distribución:

Categoría de servicio	Ingresos por tarifas
Gestión de activos	$ 1.4 millones
Planificación financiera	$ 0.6 millones
Aviso de inversión	$ 0.5 millones

Tarifas de transacción bancaria digital

Los ingresos bancarios digitales alcanzaron los $ 1.1 millones en 2023, que comprenden:

• Tarifas de pago de facturas en línea: $ 0.4 millones
• Tasas de transacción de banca móvil: $ 0.3 millones
• Procesamiento de pagos digitales: $ 0.4 millones

Ingresos de productos hipotecarios y de préstamos

Los ingresos de la hipoteca y los productos de préstamo en 2023 totalizaron $ 4.6 millones, detallados de la siguiente manera:

Producto	Ingresos totales
Tarifas de origen de la hipoteca	$ 2.3 millones
Tarifas de préstamo	$ 1.8 millones
Tarifas de servicio de préstamos	$ 0.5 millones

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.