NSTS Bancorp, Inc. (NSTS) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 1.86M | 1.88M | 1.95M | 1.81M | 1.83M | 1.74M | 1.83M | 1.79M | 1.71M | 1.49M | 1.52M | 1.58M | 1.64M | 1.67M | 1.5M | 1.32M | 1.1M | 1.04M | 976K | 1.01M |
| NII Growth % | 1.42% | 8.06% | 6.34% | 1.12% | 7.39% | 16.8% | 20.71% | 13.24% | 4.15% | -10.79% | 1.34% | 19.98% | 48.28% | 60.23% | 53.28% | 30.04% | - | - | - | - |
| Net Interest Margin % | 0.69% | 0.7% | 0.72% | 0.66% | 0.65% | 0.62% | 0.68% | 0.67% | 0.64% | 0.58% | 0.6% | 0.61% | 0.63% | 0.63% | 0.56% | 0.48% | 0.39% | 0.31% | 0.38% | 0.42% |
| Interest Income | 2.58M | 2.68M | 2.83M | 2.74M | 2.75M | 2.68M | 2.66M | 2.56M | 2.4M | 2.08M | 1.94M | 1.85M | 1.86M | 1.86M | 1.69M | 1.51M | 1.29M | 1.26M | 1.2M | 1.25M |
| Interest Expense | 728K | 802K | 879K | 930K | 919K | 938K | 830K | 775K | 700K | 595K | 423K | 269K | 221K | 190K | 192K | 191K | 191K | 224K | 225K | 237K |
| Loan Loss Provision | -26K | -162K | -50K | 57K | -37K | -71K | 20K | 123K | -1K | 124K | 50K | 30K | -28K | -130K | -84K | -16K | 0 | -28K | -12K | 17K |
| Non-Interest Income | 655K | 639K | 496K | 656K | 242K | 641K | 370K | 436K | 282K | -1.64M | 125K | 124K | 126K | 153K | 169K | 669K | 159K | 208K | 346K | 244K |
| Non-Interest Income % | 20.22% | 19.25% | 14.94% | 19.33% | 8.09% | 19.32% | 12.21% | 14.54% | 10.49% | -372.34% | 6.06% | 6.29% | 6.35% | 7.61% | 9.1% | 30.74% | 10.94% | 14.12% | 22.37% | 16.34% |
| Total Revenue | 3.24M | 3.32M | 3.32M | 3.39M | 2.99M | 3.32M | 3.03M | 3M | 2.69M | 441K | 2.06M | 1.97M | 1.98M | 2.01M | 1.86M | 2.18M | 1.45M | 1.47M | 1.55M | 1.49M |
| Revenue Growth % | 8.29% | 0.06% | 9.6% | 13.17% | 11.35% | 652.15% | 46.8% | 52.08% | 35.43% | -78.07% | 11.15% | -9.38% | 36.45% | 36.52% | 20.04% | 45.75% | - | -5.7% | - | - |
| Non-Interest Expense | 2.58M | 2.54M | 2.43M | 2.67M | 2.44M | 2.5M | 2.35M | 2.43M | 2.23M | 2.39M | 1.93M | 1.76M | 1.65M | 1.7M | 1.66M | 1.81M | 1.62M | 1.3M | 1.33M | 1.36M |
| Efficiency Ratio | 79.54% | 76.65% | 73.08% | 78.52% | 81.48% | 75.25% | 77.59% | 80.93% | 83.14% | 542.86% | 93.41% | 89.45% | 83.11% | 84.49% | 89.5% | 83.27% | 111.28% | 88.26% | 85.91% | 91.43% |
| Operating Income | -39K | 135K | 65K | -258K | -328K | -46K | -171K | -326K | -246K | -2.67M | -337K | -91K | 142K | 252K | 87K | 189K | -355K | -23K | 5K | -126K |
| Operating Margin % | -1.2% | 4.07% | 1.96% | -7.6% | -10.96% | -1.39% | -5.64% | -10.87% | -9.16% | -605.9% | -16.33% | -4.61% | 7.16% | 12.53% | 4.68% | 8.69% | -24.42% | -1.56% | 0.32% | -8.44% |
| Operating Income Growth % | 88.11% | 393.48% | 138.01% | 20.86% | -33.33% | 98.28% | 49.26% | -258.24% | -273.24% | -1160.32% | -487.36% | -148.15% | 140% | 1195.65% | 1640% | 250% | - | 91.22% | - | - |
| Pretax Income | -39K | 135K | 65K | -258K | -328K | -46K | -171K | -326K | -246K | -2.67M | -337K | -91K | 142K | 252K | 87K | 189K | -355K | -23K | 5K | -126K |
| Pretax Margin % | -1.2% | 4.07% | 1.96% | -7.6% | -10.96% | -1.39% | -5.64% | -10.87% | -9.16% | -605.9% | -16.33% | -4.61% | 7.16% | 12.53% | 4.68% | 8.69% | -24.42% | -1.56% | 0.32% | -8.44% |
| Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.1M | -105K | 35K | -28K | 213K | -31K | 40K | -76K | 34K | -11K | -193K |
| Effective Tax Rate % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | -41.06% | 31.16% | -38.46% | -19.72% | 84.52% | -35.63% | 21.16% | 21.41% | -147.83% | -220% | 153.17% |
| Net Income | -39K | 135K | 65K | -258K | -328K | -46K | -171K | -326K | -246K | -3.77M | -232K | -126K | 170K | 39K | 118K | 149K | -279K | -57K | 16K | 67K |
| Net Margin % | -1.2% | 4.07% | 1.96% | -7.6% | -10.96% | -1.39% | -5.64% | -10.87% | -9.16% | -854.65% | -11.24% | -6.39% | 8.57% | 1.94% | 6.35% | 6.85% | -19.19% | -3.87% | 1.03% | 4.49% |
| Net Income Growth % | 88.11% | 393.48% | 138.01% | 20.86% | -33.33% | 98.78% | 26.29% | -158.73% | -244.71% | -9764.1% | -296.61% | -184.56% | 160.93% | 168.42% | 637.5% | 122.39% | - | -165.52% | - | - |
| Net Income (Continuing) | -39K | 135K | 65K | -258K | -328K | -46K | -171K | -326K | -246K | -3.77M | -232K | -126K | 170K | 39K | 118K | 149K | -279K | -57K | 16K | 67K |
| EPS (Diluted) | -0.01 | 0.03 | 0.01 | -0.05 | -0.07 | -0.01 | -0.03 | -0.07 | -0.05 | -0.76 | -0.05 | -0.03 | 0.03 | 0.01 | 0.02 | 0.03 | -0.07 | -0.01 | 0.00 | 0.01 |
| EPS Growth % | 88.24% | - | 137.93% | 24.57% | -34.4% | 98.76% | 30.4% | -133.33% | -266.67% | - | -350% | -200% | 142.86% | 173.58% | - | 141.94% | - | -166.25% | - | - |
| EPS (Basic) | -0.01 | 0.03 | 0.01 | -0.05 | -0.07 | -0.01 | -0.03 | -0.07 | -0.05 | -0.76 | -0.05 | -0.03 | 0.03 | 0.01 | 0.02 | 0.03 | -0.07 | -0.01 | 0.00 | 0.01 |
| Diluted Shares Outstanding | 4.92M | 4.92M | 4.91M | 4.89M | 4.88M | 4.88M | 4.91M | 4.93M | 4.93M | 4.93M | 5.09M | 4.98M | 4.99M | 4.99M | 4.97M | 4.97M | 3.97M | 5.4M | 5.4M | 5.4M |