NSTS Bancorp, Inc.: insider trades · United States · SEC (Form 4)

About NSTS Bancorp, Inc.

NSTS Bancorp, Inc. (ticker: NSTS) is a United States-based banking holding company listed on the NASDAQ market. The company is the public holding company for North Shore Trust and Savings, a federally chartered stock savings bank with a long-standing community banking franchise in Lake County, Illinois, and adjacent communities. Its headquarters and main banking office are in Waukegan, Illinois, and the group also operates two additional full-service branches in Waukegan and Lindenhurst, plus a loan production office in Chicago. ([ir.northshoretrust.com](https://ir.northshoretrust.com/company-information)) NSTS traces its roots back to 1921, when North Shore Building and Loan was established as an Illinois-chartered institution. The holding company NSTS Bancorp was created as part of the conversion of North Shore Trust and Savings, NSTS Financial Corporation, and North Shore MHC from mutual to stock form, a process completed on January 18, 2022. That conversion marked the transition to a publicly traded structure while preserving the institution’s community-bank identity and local-market focus. ([ir.northshoretrust.com](https://ir.northshoretrust.com/company-information)) From a business-model standpoint, NSTS Bancorp is primarily a deposit-funded lender. Its core activity is to gather deposits from the public and deploy those funds into lending and investment assets. The bank’s principal loan categories include one- to four-family residential mortgages, multifamily and commercial real estate loans, construction lending, consumer loans, and other collateralized or unsecured personal loans. It also offers a typical community-bank deposit suite: interest-bearing and noninterest-bearing checking accounts, money market accounts, savings accounts, and time deposits. Online banking services round out the offering, supporting customer retention and convenience. ([ir.northshoretrust.com](https://ir.northshoretrust.com/company-information)) In competitive terms, NSTS Bancorp is best viewed as a regional niche player rather than a scaled national institution. Its franchise is concentrated in northeastern Illinois, which gives it a clear local footprint but also ties performance to the economic and real-estate conditions of a limited geographic area. For investors, that means the company’s earnings profile is likely to be influenced by deposit pricing, mortgage demand, local credit quality, and the spread environment more than by national diversification. ([ir.northshoretrust.com](https://ir.northshoretrust.com/company-information)) Recent company developments are material. In 2025, NSTS announced a board appointment involving John Pucin, while earlier press releases referenced balance-sheet repositioning and share-repurchase authorization, signaling active capital management. The most significant recent event came on May 12, 2026, when NSTS announced that Brookfield Bancshares, Inc. and First National Bank of Brookfield had signed a merger agreement to acquire NSTS Bancorp and North Shore Trust and Savings. That deal is a major strategic inflection point and could materially change the company’s ownership structure, operating outlook, and eventual trading profile. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1881592/000143774925020779/nsts20250617_8k.htm?utm_source=openai))