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Balance Sheets Overview
Debt to Asset Ratio
88.36%
Unit: Thousand (K) dollars
Assets Breakdown
Loans, net of allowance for cred...
Securities available for sale, a...
Securities held to maturity, at ...
Others
Liabilities Breakdown
Interest-bearing deposits
Federal home loan bank advances
Retained earnings
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2025-12-31
2025-09-30
2025-06-30
Cash and due from banks
1,068
1,653
7,513
Interest-bearing deposits
53,717
56,064
47,731
Total cash and cash equivalents
54,785
57,717
55,244
Securities available for sale, at fair value
63,854
54,732
47,299
Securities held to maturity, at amortized cost
58,893
60,623
57,211
Federal home loan bank stock, at cost
6,161
6,928
6,278
Total loans
803,120
796,159
754,110
Allowance for credit losses
4,396
4,356
4,151
Net deferred loan origination costs
1,429
1,381
1,261
Loans, net of allowance for credit losses of 4,396 at december 31, 2025 and 4,151 at june 30, 2025
800,153
793,184
751,220
Bank owned life insurance
11,163
11,044
10,925
Gross property and equipment
-
-
14,744
Less accumulated depreciation and amortization
-
-
8,326
Premises and equipment, net
5,927
6,188
6,418
Accrued interest receivable
3,626
3,458
3,327
Net deferred tax asset
994
1,034
1,212
Other assets
10,414
10,304
10,244
Total assets
1,015,970
1,005,212
949,378
Non-interest-bearing deposits
64,377
63,577
55,696
Interest-bearing deposits
681,946
652,846
623,486
Federal home loan bank advances
143,596
164,000
147,000
Mortgagors' escrow accounts
1,987
1,946
1,756
Accrued expenses and other liabilities
5,817
5,851
6,088
Total liabilities
897,723
888,220
834,026
Preferred stock, .01 par value, 5,000,000 shares authorized, none outstanding
0
0
0
Common stock, .01 par value, 20,000,000 shares authorized, 9,295,376 issued and outstanding as of december 31, 2025 and june 30, 2025
93
93
93
Additional paid-in capital
39,564
39,567
39,571
Unearned compensation (esop)
3,238
3,278
3,346
Retained earnings
82,756
81,682
80,720
Accumulated other comprehensive loss
-928
-1,072
-1,686
Total stockholders' equity
118,247
116,992
115,352
Total liabilities and stockholders' equity
1,015,970
1,005,212
949,378
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Total loans
$803,120K
Interest-bearing deposits
$53,717K
Cash and due from
banks
$1,068K
Net deferred loan
origination costs
$1,429K
Loans, net of allowance
for credit losses of...
$800,153K
Securities available for
sale, at fair value
$63,854K
Securities held to
maturity, at amortized...
$58,893K
Total cash and cash
equivalents
$54,785K
Bank owned life
insurance
$11,163K
Other assets
$10,414K
Federal home loan bank
stock, at cost
$6,161K
Premises and equipment,
net
$5,927K
Accrued interest
receivable
$3,626K
Net deferred tax
asset
$994K
Allowance for credit
losses
$4,396K
Total assets
$1,015,970K
Total liabilities and
stockholders' equity
$1,015,970K
Total liabilities
$897,723K
Total stockholders'
equity
$118,247K
Unearned compensation
(esop)
$3,238K
Accumulated other
comprehensive loss
-$928K
Interest-bearing deposits
$681,946K
Federal home loan bank
advances
$143,596K
Non-interest-bearing deposits
$64,377K
Accrued expenses and
other liabilities
$5,817K
Mortgagors' escrow accounts
$1,987K
Retained earnings
$82,756K
Additional paid-in capital
$39,564K
Common stock, .01 par
value, 20,000,000...
$93K
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Winchester Bancorp, Inc. MD (WSBK)
Winchester Bancorp, Inc. MD (WSBK)