Winchester Bancorp, Inc./MD/
For the period ended Sep 30, 2026. Filed Nov 4, 2026.
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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, 2026 · Filed Nov 4, 2026
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, 2026 and 2025
| Three months ended | ||
|---|---|---|
| September 30, | ||
| 2026 | 2025 | |
| (In thousands) | ||
| Cash flows from operating activities: | ||
| Net income | $1,268 | $962 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Provision (benefit) for credit losses | 415 | (320) |
| Net amortization of premiums and discounts on securities | 1 | 21 |
| Depreciation and amortization | 219 | 223 |
| Increase in cash surrender value of bank owned life insurance | (152) | (119) |
| Amortization (accretion) of net deferred loan origination costs/fees | 48 | (17) |
| Losses on sale of securities available for sale, net | — | 317 |
| Deferred tax provision | — | 64 |
| Net change in: | ||
| Accrued interest receivable | 216 | (131) |
| Other assets | (417) | 735 |
| Accrued expenses and other liabilities | 575 | (378) |
| Net cash provided by operating activities | 2,173 | 1,357 |
| Cash flows from investing activities: | ||
| Activity in securities available for sale: | ||
| Maturities, calls and prepayments | 1,289 | 1,784 |
| Sales | — | 7,195 |
| Purchases | (1,750) | (15,789) |
| Activity in securities held to maturity: | ||
| Maturities, calls and prepayments | 1,169 | 1,516 |
| Purchases | (1,980) | (4,954) |
| Purchase of bank-owned life insurance | (5,000) | — |
| Redemption (purchase) of Federal Home Loan Bank stock | 479 | (650) |
| Loan originations, net of principal payments | (38,321) | (42,422) |
| Purchase of premises and equipment, net | (428) | 8 |
| Net cash used by investing activities | (44,542) | (53,312) |
| Cash flows from financing activities: | ||
| Net increase in deposits | 53,415 | 37,239 |
| Net change in short-term Federal Home Loan Bank advances | 18,000 | 33,000 |
| Proceeds from long-term Federal Home Loan Bank advances | 10,000 | — |
| Repayment of long-term Federal Home Loan Bank advances | (36,235) | (16,000) |
| Net increase in mortgagors’ escrow accounts | 315 | 189 |
| Net cash provided by financing activities | 45,495 | 54,428 |
| Net change in cash and cash equivalents | 3,126 | 2,473 |
| Cash and cash equivalents at beginning of period | 60,047 | 55,244 |
| Cash and cash equivalents at end of period | $63,173 | $57,717 |
| Supplemental cash flow information: | ||
| Interest paid on deposits | $5,624 | $4,656 |
| Interest paid on Federal Home Loan Bank advances | 1,325 | 1,539 |
| Income taxes paid, net of (refunds) | 835 | 641 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.