Filing Flows › Nsts Bancorp (NSTS) › Q2 2026
Nsts Bancorp (NSTS) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 13, 2026
Nsts Bancorp (NSTS) reported revenue of $3.2M for the second quarter 2026 (Q2 2026), +27% from a year earlier and +29% from the quarter before. Operating margin was -6.3%, net loss $204K (6.3% of revenue).
Nsts Bancorp, Q2 2026: revenue $3.2M (+27% year over year), operating margin -6.3%, net loss $204K, operating cash flow $2.9M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.2M | +29% | +27% |
| Operating profit | −$204K | — | — |
| Net earnings | −$204K | — | — |
| Operating cash flow | $2.9M | -47% | +345% |
| Free cash flow | $2.9M | -48% | +370% |
What changed
Revenue was $3.2M in Q2 2026, up 27% year over year and up 29% from the previous quarter.
Operating costs exceeded revenue by $204K, an operating margin of -6.3%. Total costs grew 23% against revenue growth of 27%. The fastest-growing cost line was Noninterest expense (+25%). The quarter ended with a net loss of $204K, wider than the previous quarter's $39K loss.
Operating cash flow was $2.9M (up 345% year over year). Non-cash charges added back $74K of depreciation and $415K of share-based compensation. Working capital and other items added $2.6M. Capital expenditures of $21K left free cash flow of $2.9M.
Questions
What was Nsts Bancorp's revenue in the second quarter 2026?
Nsts Bancorp (NSTS) reported revenue of $3.2M for the second quarter 2026 (Q2 2026), +27% from a year earlier and +29% from the quarter before.
Was Nsts Bancorp profitable in the second quarter 2026?
Operating loss was $204K (-6.3% of revenue) and net loss $204K.
Source: Nsts Bancorp 10-Q on SEC EDGAR.