For the quarter ending 2025-12-31, WSBK has $1,015,970K in assets. $897,723K in debts. $54,785K in cash and cash equivalents.
| 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, gross unrealized gains | - | - | 366 | |
| Securities held to maturity, gross unrealized losses | - | - | 2,254 | |
| Securities held to maturity, at fair value | - | - | 55,323 | |
| 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 | |
Winchester Bancorp, Inc. MD (WSBK)
Winchester Bancorp, Inc. MD (WSBK)