All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2021; the latest 2026-10-01.
From the record
NSTS Bancorp, Inc.'s filings since 2021 show 3 warning events: a notice about its exchange listing (8-K item 3.01, 3 times, the latest 2026-10-01) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
-0.2% a year over 6 filed years; profitable in 1 of 6.
From the record
NSTS Bancorp, Inc.'s 6 filed years say what it did: revenue went from $255 thousand in fiscal 2020 to $252 thousand in fiscal 2025, down 0.2% a year; it rose in 2 of 5 years; the deepest fall was 13% from fiscal 2022 to fiscal 2025; net income was positive in 1 of 6 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 1.1% a year. 24% of cash flow returned. Insiders: 0 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, NSTS Bancorp, Inc.'s diluted share count grew about 1.1% a year, and dividends and buybacks returned about 24% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-10-02 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 0%: lost 0¢ per shareholder dollar. Leverage 70%: owes 70¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, NSTS Bancorp, Inc. lost about 0 cents for every dollar of shareholders' money. Leverage: it owed about 70 cents per dollar of assets, and net share issuance: its share count shrank 0.5% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 2% of 31 in its family; net margin -153.2%.
From the record
NSTS Bancorp, Inc.'s standing among 31 graded names in its industry family: revenue of $252 thousand in fiscal 2025 ranks in the bottom 2% by size; a net margin of -153.2% ranks in the bottom 2%; revenue growth of -4.7% a year over the last 3 filed years ranks in the bottom 2% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 3.7/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: NSTS Bancorp, Inc.'s leadership is put at 3.7 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 37% of 31 in its family; the record of its people begins on 2022-01-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 4.8 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
top 5% of 25 in its family for room to expand.
From the record
NSTS Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $34 million against no long-term debt tagged leaves 12.8% of its assets as net cash, top 9% of its family; cash from operations less capital spending is 1566.7% of revenue (top 2%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 17% of 30 in its family for growth drivers.
From the record
NSTS Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -4.7% a year over the last three filed years against -0.2% over all 6, slowing (bottom 8% of its family); the newest year grew -1.6% (bottom 25%); capital spending grew -21.5% a year (bottom 19%) (its annual reports). NSTS Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 12% of 29 in its family for expectations against reality.
From the record
NSTS Bancorp, Inc.'s newest year against its own record: revenue of $252 thousand in fiscal 2025 came in 4.9% above the $240 thousand its prior three years' pace pointed to (top 5% of its family); net income of $386 thousand against a prior three-year average of $2 million (top 29%); a net margin of a loss larger than its revenue against losses larger than its revenue before (top 2%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made