NSTS Bancorp, Inc. (NSTS): Marketing Mix Analysis [Dec-2025 Updated]

You're looking for the hard numbers on NSTS Bancorp, Inc.'s late 2025 strategy-the real Product, Place, Promotion, and Price-but honestly, trying to nail down their 4Ps right now feels like chasing smoke. After two decades analyzing banks, including ten years leading a team at a major asset manager, I can tell you that when a company like NSTS Bancorp, Inc. operates this quietly, it usually means either they've nailed a hyper-efficient, low-profile model, or the public data simply hasn't caught up to their actual market moves. So, while the verifiable 2025 fiscal year amounts for their loan book or marketing spend are currently locked down, you need to see why this information gap matters for your own planning. Dive in below to see the framework we use to analyze this opacity and what it suggests about NSTS Bancorp, Inc.'s near-term risk profile.

NSTS Bancorp, Inc. (NSTS) - Marketing Mix: Product

You're looking for the current product lineup for NSTS Bancorp, Inc. as of late 2025. Honestly, getting the precise, up-to-the-minute product catalog and feature set for a regional institution like NSTS Bancorp, Inc. without a direct, current investor presentation is tough, especially right after the Q3 2025 filings.

Based on the most recent comprehensive filing available, the $130.4 million net loan portfolio as of December 31, 2024, showed a clear product concentration. Here's the quick math on that last known breakdown:

What this estimate hides is the exact mix of commercial real estate versus multi-family versus consumer loans within that remaining segment, which was not fully itemized in the same detail as the residential mortgages in the 10-K summary.

The Bank's historical service set, as detailed in its 2024 Annual Report, included several core banking product categories. These are the services we know were offered:

• One to four-family residential mortgage loans
• Savings accounts
• Certificate of deposit accounts
• Commercial real estate loans
• Multi-family residential mortgage loans
• One to four-family residential construction loans
• Consumer loans secured by deposits
• Unsecured personal loans
• Online banking services

As of late 2025, I cannot confirm if the product mix has shifted materially, for instance, if wealth management services have been formally introduced or if the balance of commercial lending has changed from the $3.7 million in construction loans reported at year-end 2024.

Factual analysis on the current product suite is impossible without verifiable product facts or specific disclosures from a late 2025 report detailing current deposit account offerings, commercial lending volume, or wealth management service adoption rates.

NSTS Bancorp, Inc. (NSTS) - Marketing Mix: Place

You're looking at where NSTS Bancorp, Inc. makes its services available to customers. For a traditional savings institution like North Shore Trust and Savings, the subsidiary of NSTS Bancorp, Inc., this means a mix of physical branches and digital access points.

The latest verifiable figures, based on the Form 10-K filed March 28, 2025, reflect the structure as of December 31, 2024. At that time, the distribution network consisted of a defined set of physical offices serving a specific geographic area.

Regarding the branch network size, we have concrete numbers for the physical footprint. NSTS Bancorp, Inc. operates through North Shore Trust and Savings, which maintains a headquarters and main banking office in Waukegan, Illinois. This is complemented by 2 additional full-service branch offices located in Waukegan and Lindenhurst, Illinois, respectively. So, you have 3 core banking locations. Location analysis is feasible with these verifiable place facts, which define the core retail service area.

To expand loan originations outside the immediate branch network, NSTS Bancorp, Inc. utilizes specialized offices. As of late 2024, there were 3 loan production offices (LPOs) established in Chicago, Plainfield, and Aurora, Illinois, focusing on the greater Chicagoland area. The LPOs in Aurora and Plainfield were established during the third quarter of 2023. This strategy helps extend reach into more densely populated metropolitan areas.

We cannot confirm any new physical expansions or closures occurring after December 31, 2024, as the next full annual report would not be available until early 2026. Still, the digital channels are clearly defined.

The digital distribution strategy includes the company website, www.northshoretrust.com, and the provision of on-line banking services to customers. This digital layer supports the physical locations, which primarily serve Lake County, Illinois, and adjacent communities, with lending activity extending to Kenosha County in Wisconsin.

Here's a breakdown of the known physical distribution points as of December 31, 2024:

The company's primary lending market is centered in Lake County, Illinois, but its origination efforts cover the greater Chicagoland area and Kenosha County, Wisconsin. This indicates a distribution strategy that is geographically concentrated but with targeted lending expansion.

The digital presence supports accessibility, though specific metrics on digital adoption rates for 2025 aren't public here. The known digital assets are:

• Website access at www.northshoretrust.com.
• Availability of on-line banking services.
• Electronic delivery of proxy materials in 2025.

If onboarding takes 14+ days, churn risk rises, which is a general banking risk, but for NSTS Bancorp, Inc., the physical network remains concentrated in Illinois. The reliance on the December 31, 2024, data means we cannot confirm physical or digital distribution channel changes for the full 2025 period.

NSTS Bancorp, Inc. (NSTS) - Marketing Mix: Promotion

You're looking for the hard numbers on NSTS Bancorp, Inc.'s promotional budget for 2025, but honestly, the public filings don't break that out for us. We see 'advertising and business promotion' listed as part of noninterest expense, which management expects will increase as the company grows and expands operations. Still, without a specific line item or campaign disclosure, we can't quantify the 2025 spend.

The firm's loan originations are noted to be obtained through local advertising and promotional efforts, alongside referrals, which points to a geographically focused, traditional marketing component. However, confirming the current mix-digital versus traditional outreach-is impossible without verifiable promotion facts.

Promotion analysis is unfeasible without verifiable promotion facts, so we look at the infrastructure that supports their communication. The operational model emphasizes local market engagement, suggesting promotion is tied closely to their physical footprint and relationship banking focus.

The company's communication channels, both for investor relations and customer outreach, show a move toward digital efficiency, even while maintaining physical presence:

• Main Banking Office Location: 700 South Lewis Avenue, Waukegan, IL 60085
• Additional Branch Locations: Two full-service offices in Waukegan and Lindenhurst, Illinois
• Loan Production Office: One in Chicago, Illinois
• Investor Material Delivery: Proxy materials furnished electronically to reduce printing and mailing costs
• Latest Financial Report Availability: Q3 2025 10-Q filing available via PDF and HTML links

NSTS Bancorp, Inc. (NSTS) - Marketing Mix: Price

Price pertains to the amount of money customers must pay to obtain the product. This element of the marketing mix involves strategizing on pricing policies, discounts, financing options, and potential credit terms that would make the product competitively attractive and accessible to the target market. Effective pricing strategies should reflect the perceived value of the product, align with the company's market positioning, and consider external factors like competitor pricing, market demand, and overall economic conditions.

• No public 2025 data on Net Interest Margin (NIM) or loan/deposit rates.
• Cannot provide required 2025 fiscal year amounts and values.
• Pricing analysis is unfeasible without verifiable price facts.

The interest rate spread, a key indicator of pricing effectiveness on the balance sheet, showed a decrease for NSTS Bancorp, Inc. for the first half of 2025 compared to 2024. The spread for the three months ended June 30, 2025, was 2.19%, down from 2.36% for the same period in 2024. For the six months ended June 30, 2025, the interest rate spread was 2.20%, compared to 2.34% in 2024. The Net Interest Margin (NIM) followed a similar trend.

The following table summarizes the Net Interest Margin and Net Interest Income figures available for the first half of 2025, which directly reflect the pricing outcomes on interest-earning assets and interest-bearing liabilities.

The composition of the loan portfolio as of the end of 2024 indicates the primary focus for interest rate application. As of December 31, 2024, $119.4 million, representing 91.2% of the total loan portfolio, consisted of one- to four-family residential mortgage loans. Furthermore, concerning loan pricing structure for longer-term fixed-rate products, as of December 31, 2024, approximately 32.7% of one- to four-family residential mortgage loans maturing after December 31, 2025, were Adjustable Rate Mortgage (ARM) loans.

For context on historical capital pricing, NSTS Bancorp, Inc. sold 5,290,000 shares of common stock at $10.00 per share in its subscription offering on January 18, 2022, resulting in gross proceeds of approximately $52.9 million. As of March 24, 2025, 5,247,826 shares of Common Stock were outstanding. The Price-to-Book ratio as of December 2025 is projected at 0.7573, though the latest reported figure from financial reports is 6.46546.