Winchester Bancorp, Inc./MD/
For the period ended Sep 30, 2025. Filed Nov 12, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 12, 2025
WSBK$13.68+0.1%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Cash Flows
Consolid ated Statements of Cash Flows (unaudited)
For the Three Months Ended September 30, 2025 and 2024
| Three months ended | ||
|---|---|---|
| September 30, | ||
| 2025 | 2024 | |
| (In thousands) | ||
| Cash flows from operating activities: | ||
| Net income (loss) | $962 | $(632) |
| Adjustments to reconcile net income (loss) to net cash provided (used) by operating activities: | ||
| Provision (benefit) for credit losses | (320) | 1,162 |
| Net amortization of securities | 21 | 94 |
| Depreciation and amortization | 223 | 209 |
| Increase in cash surrender value of bank owned life insurance | (119) | (117) |
| Accretion of net deferred loan origination fees | (17) | (41) |
| Losses on sale of securities available for sale, net | 317 | — |
| Gain on marketable equity securities, net | — | (171) |
| Deferred tax provision | 64 | — |
| Net change in: | ||
| Accrued interest receivable | (131) | 94 |
| Other assets | 735 | (209) |
| Accrued expenses and other liabilities | (378) | (723) |
| Net cash provided (used) by operating activities | 1,357 | (334) |
| Cash flows from investing activities: | ||
| Activity in securities available for sale: | ||
| Maturities, calls and prepayments | 1,784 | 9,714 |
| Sales | 7,195 | — |
| Purchases | (15,789) | (6,500) |
| Activity in securities held to maturity: | ||
| Maturities, calls and prepayments | 1,516 | 2,442 |
| Purchases | (4,954) | (5,000) |
| Purchase of Federal Home Loan Bank stock | (650) | (160) |
| Loan originations, net of principal payments | (42,422) | (27,501) |
| (Purchase) disposal of premises and equipment, net | 8 | (60) |
| Net cash used by investing activities | (53,312) | (27,065) |
| Cash flows from financing activities: | ||
| Net increase in deposits | 37,239 | 6,886 |
| Net change in short-term Federal Home Loan Bank advances | 33,000 | 3,457 |
| Proceeds from long-term Federal Home Loan Bank advances | — | 15,000 |
| Repayment of long-term Federal Home Loan Bank advances | (16,000) | (5,000) |
| Net increase in mortgagors’ escrow accounts | 189 | 157 |
| Net cash provided by financing activities | 54,428 | 20,500 |
| Net change in cash and cash equivalents | 2,473 | (6,899) |
| Cash and cash equivalents at beginning of year | 55,244 | 44,114 |
| Cash and cash equivalents at end of year | $57,717 | $37,215 |
| Supplemental cash flow information: | ||
| Interest paid on deposits | $4,656 | $5,112 |
| Interest paid on Federal Home Loan Bank advances | 1,539 | 1,812 |
| Income taxes paid, net of (refunds) | 641 | 15 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.