NSTS Bancorp, Inc. is a Delaware-incorporated savings and loan holding company and the stock holding company for North Shore Trust and Savings, a federally-chartered stock savings institution originally established in 1921. The Bank operates as a traditional community savings institution serving customers in Lake County, Illinois and adjacent communities through its headquarters in Waukegan and branch locations, attracting deposits from the general public and deploying those funds into residential mortgage loans, investment securities, and other lending products. The Bank generates revenue principally from interest earned on its loan and securities portfolios, gains on mortgage loan sales into the secondary market, loan origination and deposit service fees, and bank-owned life insurance income, while managing its cost structure through deposit and borrowing interest costs and general operating expenses.