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$13.67+0.4%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Operations
Consolidated Statements of Operations (unaudited)
| Three months ended | ||
|---|---|---|
| September 30, | ||
| 2025 | 2024 | |
| (In thousands, except share data) | ||
| Interest and dividend income: | ||
| Interest and fees on loans | $10,402 | $9,015 |
| Interest and dividends on securities | 1,113 | 898 |
| Interest on federal funds sold and other interest-bearing deposits | 422 | 318 |
| Total interest and dividend income | 11,937 | 10,231 |
| Interest expense: | ||
| Interest on deposits | 4,670 | 5,009 |
| Interest on Federal Home Loan Bank advances | 1,526 | 1,454 |
| Total interest expense | 6,196 | 6,463 |
| Net interest income | 5,741 | 3,768 |
| Provision (benefit) for credit losses | (320) | 1,162 |
| Net interest income, after provision (benefit) for credit losses | 6,061 | 2,606 |
| Non-interest income: | ||
| Customer service fees | 191 | 188 |
| Income on bank owned life insurance | 119 | 117 |
| Gain on marketable equity securities, net | — | 171 |
| Loss on sale of securities available for sale | (317) | — |
| Miscellaneous | 59 | 25 |
| Total non-interest income | 52 | 501 |
| Non-interest expense: | ||
| Salaries and employee benefits | 2,697 | 2,263 |
| Occupancy and equipment, net | 396 | 377 |
| Data processing | 408 | 347 |
| Deposit insurance | 210 | 221 |
| Marketing and advertising | 184 | 96 |
| Other general and administrative | 900 | 633 |
| Total non-interest expense | 4,795 | 3,937 |
| Income (loss) before income taxes | 1,318 | (830) |
| Provision (benefit) for income taxes | 356 | (198) |
| Net income (loss) | $962 | $(632) |
| Share Data: | ||
| Average common shares outstanding, basic and diluted | 8,964,893 | n/a |
| Basic and diluted net income per share | $0.11 | n/a |
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