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NSTS Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

NSTS Bancorp, Inc. scores 4/10 on the AskCyborg Cyborg Score (Mixed). Speculative micro-cap regional bank with operational recovery potential but structural limitations and execution risk. NSTS faces significant challenges as a micro-cap institution with minimal market capitalization ($65M) and negative earnings performance. While the company showed revenue growth of 82.49% in 2024 and is operationally stable, its tiny scale and.

What is NSTS Bancorp, Inc.'s industry? NSTS Bancorp, Inc. (northshoretrust.com) operates in Community Banking / Regional Savings and Loan. AskCyborg classifies NSTS Bancorp, Inc. under Community Banking / Regional Savings and Loan in its company registry.

NSTS Bancorp is a federally-chartered savings and loan holding company headquartered in Waukegan, Illinois that serves the region through its subsidiary North Shore Trust and Savings. The company provides comprehensiv...

4/ 10Mixed

Cyborg Score thesis

Speculative micro-cap regional bank with operational recovery potential but structural limitations and execution...

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Industry Community Banking / Regional Savings and Loan
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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What's in This Report
NSTS Bancorp, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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NSTS Bancorp, Inc. Overview

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NSTS Bancorp is a federally-chartered savings and loan holding company headquartered in Waukegan, Illinois that serves the region through its subsidiary North Shore Trust and Savings. The company provides comprehensive banking services including deposit products and residential/commercial mortgage loans to individuals and businesses primarily in Illinois.

Strategic Profile

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As a small regional bank with operations focused on Lake County and loan production offices across the Chicago metropolitan area, NSTS emphasizes community banking and personalized service. The company maintains a long heritage dating back to 1921, positioning itself as an established trusted financial partner in its local markets.

Competitive Landscape

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NSTS competes against larger regional banks and community banks across Illinois including institutions with broader geographic reach and product portfolios. The company's limited scale and specialized focus on residential mortgages position it as a niche player vulnerable to rate pressure and larger competitors with superior distribution networks.

Industry Context

NSTS Bancorp, Inc. operates in Community Banking / Regional Savings and Loan.

Key facts

Founded: 1921 · Headquarters: Waukegan, Illinois · Revenue: $8.93M · Market cap: $65M

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on NSTS Bancorp, Inc..

  • Dramatic revenue growth in 2024 (82.49% increase to $8.93M) signals operational improvements and increased lending activity
  • Micro-cap scale ($65M market cap) creates liquidity constraints and limits access to capital and growth opportunities
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Recent developments

Material events tracked by the AskCyborg corpus.

  • Jun 2025Executive transition with Board announcements regarding leadership
  • 2024Revenue surged 82.49% year-over-year to $8.93M with substantial loss reduction
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Community Banking ServicesRegional bank competitor in Illinois/Great Lakes region→Regional Banking ServicesLarger regional competitor with broader Illinois presence→Savings Banking ServicesCommunity-focused competitor in Illinois market→

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Industry context

NSTS Bancorp, Inc. operates in Community Banking / Regional Savings and Loan. See how the rest of the sector scores on the Cyborg framework.

Top companies in Community Banking by Cyborg Score

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Frequently asked questions

What does NSTS Bancorp, Inc. do?+
NSTS Bancorp is a federally-chartered savings and loan holding company headquartered in Waukegan, Illinois that serves the region through its subsidiary North Shore Trust and Savings. The company provides comprehensiv...
What is NSTS Bancorp, Inc.'s Cyborg Score?+
NSTS Bancorp, Inc. has a Cyborg Score of 4/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are NSTS Bancorp, Inc.'s main competitors?+
Named competitors include Community Banking Services, Regional Banking Services, Savings Banking Services. The full competitive landscape is in the AskCyborg report.
How can I get the full NSTS Bancorp, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the NSTS Bancorp, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Community Banking research

Companies in the same sector and named competitors, ranked by Cyborg Score.

7Civista Bancshares, Inc.7Hingham Institution for Savings7Origin Bancorp, Inc.7Parke Bancorp, Inc.7Peoples Financial Services Corp.7Timberland Bancorp, Inc.6Community Trust Bancorp, Inc.6HomeTrust Bancshares, Inc.6Kearny Financial Corp.6Southern States Bancshares, Inc.Top companies in Community Banking by Cyborg Score