NSTS Bancorp Inc (NSTS) - Net Assets
Based on the latest financial reports, NSTS Bancorp Inc (NSTS) has net assets worth $79.97 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($266.65 Million) and total liabilities ($186.67 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check financial resilience of NSTS Bancorp Inc to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $79.97 Million |
| % of Total Assets | 29.99% |
| Annual Growth Rate | 9.75% |
| 5-Year Change | 77.0% |
| 10-Year Change | N/A |
| Growth Volatility | 29.44 |
NSTS Bancorp Inc - Net Assets Trend (2019–2025)
This chart illustrates how NSTS Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Also explore NSTS total assets for the complete picture of this company's asset base.
Annual Net Assets for NSTS Bancorp Inc (2019–2025)
The table below shows the annual net assets of NSTS Bancorp Inc from 2019 to 2025. For live valuation and market cap data, see NSTS company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $79.97 Million | +4.55% |
| 2024-12-31 | $76.49 Million | -1.36% |
| 2023-12-31 | $77.55 Million | -3.72% |
| 2022-12-31 | $80.54 Million | +78.26% |
| 2021-12-31 | $45.18 Million | -3.30% |
| 2020-12-31 | $46.73 Million | +2.10% |
| 2019-12-31 | $45.76 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to NSTS Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 12.2% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $39.88 Million | 49.87% |
| Common Stock | $56.00K | 0.07% |
| Other Comprehensive Income | $-5.76 Million | -7.20% |
| Other Components | $45.80 Million | 57.27% |
| Total Equity | $79.97 Million | 100.00% |
NSTS Bancorp Inc Competitors by Market Cap
The table below lists competitors of NSTS Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Makmur Berkah Amanda Pt
JK:AMAN
|
$58.10 Million |
|
Golden Energy Offshore Services AS
OL:GEOS
|
$58.11 Million |
|
HRS Co. Ltd
KQ:036640
|
$58.13 Million |
|
Sheh Fung Screws Co Ltd
TWO:2065
|
$58.13 Million |
|
PW Consolidated Bhd
KLSE:7134
|
$58.09 Million |
|
ADVENICA AB
F:65R
|
$58.07 Million |
|
Universus Photo Imagings Limited
NSE:UNIVPHOTO
|
$58.07 Million |
|
GenoFocus Inc
KQ:187420
|
$58.05 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in NSTS Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 76,490,000 to 79,974,000, a change of 3,484,000 (4.6%).
- Net loss of 386,000 reduced equity.
- Share repurchases of 114,000 reduced equity.
- Other comprehensive income increased equity by 2,845,000.
- Other factors increased equity by 1,139,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-386.00K | -0.48% |
| Share Repurchases | $114.00K | -0.14% |
| Other Comprehensive Income | $2.85 Million | +3.56% |
| Other Changes | $1.14 Million | +1.42% |
| Total Change | $- | 4.55% |
Book Value vs Market Value Analysis
This analysis compares NSTS Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.78x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.50x to 0.78x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $8.48 | $12.71 | x |
| 2020-12-31 | $8.66 | $12.71 | x |
| 2021-12-31 | $8.37 | $12.71 | x |
| 2022-12-31 | $17.03 | $12.71 | x |
| 2023-12-31 | $15.50 | $12.71 | x |
| 2024-12-31 | $15.57 | $12.71 | x |
| 2025-12-31 | $16.36 | $12.71 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently NSTS Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -0.48%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -2.91%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 3.33x
- Recent ROE (-0.48%) is above the historical average (-0.86%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 0.90% | 5.32% | 0.03x | 5.15x | $-4.16 Million |
| 2020 | -0.24% | -1.50% | 0.03x | 5.18x | $-4.78 Million |
| 2021 | -0.12% | -0.90% | 0.02x | 7.54x | $-4.57 Million |
| 2022 | 0.03% | 0.36% | 0.03x | 3.28x | $-8.03 Million |
| 2023 | -5.10% | -61.24% | 0.03x | 3.31x | $-11.71 Million |
| 2024 | -1.03% | -6.56% | 0.04x | 3.64x | $-8.44 Million |
| 2025 | -0.48% | -2.91% | 0.05x | 3.33x | $-8.38 Million |
Industry Comparison
This section compares NSTS Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| NSTS Bancorp Inc (NSTS) | $79.97 Million | 0.90% | 2.33x | $58.10 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About NSTS Bancorp Inc
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate mortgage, construction, and consumer… Read more