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  <xsd:element abstract="true" id="nsts_statement-statement-note-3-loans-and-allowance-for-credit-losses-loans-on-nonaccrual-status-details" name="statement-statement-note-3-loans-and-allowance-for-credit-losses-loans-on-nonaccrual-status-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-3-loans-and-allowance-for-credit-losses-offbalace-sheet-exposures-details" name="statement-statement-note-3-loans-and-allowance-for-credit-losses-offbalace-sheet-exposures-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-3-loans-and-allowance-for-credit-losses-summary-of-loans-by-major-category-details" name="statement-statement-note-3-loans-and-allowance-for-credit-losses-summary-of-loans-by-major-category-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-3-loans-and-allowance-for-credit-losses-tables" name="statement-statement-note-3-loans-and-allowance-for-credit-losses-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-4-deposits-scheduled-maturities-of-time-deposits-details" name="statement-statement-note-4-deposits-scheduled-maturities-of-time-deposits-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-4-deposits-tables" name="statement-statement-note-4-deposits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-5-other-borrowings-outstanding-advances-details" name="statement-statement-note-5-other-borrowings-outstanding-advances-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-5-other-borrowings-tables" name="statement-statement-note-5-other-borrowings-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-6-fair-value-measurements-fair-value-on-recurring-basis-details" name="statement-statement-note-6-fair-value-measurements-fair-value-on-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-6-fair-value-measurements-tables" name="statement-statement-note-6-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-7-fair-value-of-financial-instruments-carrying-amounts-and-estimated-fair-value-hierarchy-of-certain-financial-information-details" name="statement-statement-note-7-fair-value-of-financial-instruments-carrying-amounts-and-estimated-fair-value-hierarchy-of-certain-financial-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-7-fair-value-of-financial-instruments-tables" name="statement-statement-note-7-fair-value-of-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-8-capital-ratios-actual-capital-amount-and-ratios-details" name="statement-statement-note-8-capital-ratios-actual-capital-amount-and-ratios-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-8-capital-ratios-tables" name="statement-statement-note-8-capital-ratios-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-9-commitments-and-contingencies-outstanding-commitments-to-originate-loans-details" name="statement-statement-note-9-commitments-and-contingencies-outstanding-commitments-to-originate-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-note-9-commitments-and-contingencies-tables" name="statement-statement-note-9-commitments-and-contingencies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="nsts_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
