| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and cash equivalents | 1,006,872 | 2,733,723 | ||
| Time deposits with other financial institutions | 4,499,624 | 4,499,342 | ||
| Debt securities available for sale (amortized cost of 25,204,362 and 26,736,859 as of september 30, 2025 and december 31, 2024, respectively) | 22,398,249 | 22,534,571 | ||
| Debt securities held to maturity (fair value of 38,618,397 and 38,162,626 as of september 30, 2025 and december 31, 2024, respectively) | 38,393,556 | 38,850,983 | ||
| One To Four Family Residential-Real Estate Portfolio Segment | 132,284,375 | - | ||
| Home Equity Loan-Real Estate Portfolio Segment | 2,086,404 | - | ||
| Equity Line Of Credit-Real Estate Portfolio Segment | 6,948,464 | - | ||
| Construction Loans-Real Estate Portfolio Segment | 15,583,759 | - | ||
| Multifamily-Real Estate Portfolio Segment | 1,222,682 | - | ||
| Commercial Real Estate-Real Estate Portfolio Segment | 1,961,239 | - | ||
| Commercial Portfolio Segment | 3,609,616 | - | ||
| Consumer Portfolio Segment-Marine And Recreational Loan Segment | 31,039,953 | - | ||
| Consumer Other-Consumer Portfolio Segment | 3,463,799 | - | ||
| Loans, gross | 198,200,291 | - | ||
| Allowance for credit losses | 1,150,008 | - | ||
| Unearned loan fees | -177,817 | - | ||
| Loans, net of allowance of 1,150,008 and 1,126,422 as of september 30, 2025 and december 31, 2024, respectively | 196,872,466 | 196,272,943 | ||
| Land held for sale | 435,328 | 834,828 | ||
| Office properties and equipment, net | 2,354,896 | 2,385,032 | ||
| Federal home loan bank stock | 2,759,245 | 2,476,219 | ||
| Cash value of life insurance | 7,888,879 | 7,824,800 | ||
| Net deferred tax assets | 1,961,757 | 5,308,588 | ||
| Accrued interest receivable and other assets | 1,643,055 | 1,320,940 | ||
| Total assets | 280,213,927 | 285,041,969 | ||
| Non-interest bearing | 9,501,236 | 8,685,841 | ||
| Interest bearing | 209,638,898 | 213,459,952 | ||
| Total deposits | 219,140,134 | 222,145,793 | ||
| Borrowed funds | 44,824,000 | 44,268,000 | ||
| Advance payments by borrowers for taxes and insurance | 1,790,247 | 1,428,239 | ||
| Accrued interest payable and other liabilities | 1,582,360 | 1,423,161 | ||
| Total liabilities | 267,336,741 | 269,265,193 | ||
| Common stock (0.01 par value, 4,000,000 shares authorized, 752,538 shares issued and outstanding as of september 30, 2025 and december 31, 2024) | 7,525 | 7,525 | ||
| Additional paid-in capital | 5,471,871 | 5,472,852 | ||
| Retained earnings | 13,311,203 | 16,651,861 | ||
| Unallocated common shares held by employee stock ownership plan (esop) | 480,686 | 487,271 | ||
| Accumulated other comprehensive income (loss) | -5,432,727 | -5,868,191 | ||
| Total stockholders' equity | 12,877,186 | 15,776,776 | ||
| Total liabilities and equity | 280,213,927 | 285,041,969 | ||
EWSB Bancorp, Inc. MD (EWSB)
EWSB Bancorp, Inc. MD (EWSB)