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 Net Income
Consolidated Statements of Net Income (unaudited)
| Three months ended | ||
|---|---|---|
| September 30, | ||
| 2026 | 2025 | |
| (In thousands, except share data) | ||
| Interest and dividend income: | ||
| Interest and fees on loans | $12,440 | $10,402 |
| Interest and dividends on securities | 1,254 | 1,113 |
| Interest on federal funds sold and other interest-bearing deposits | 489 | 422 |
| Total interest and dividend income | 14,183 | 11,937 |
| Interest expense: | ||
| Interest on deposits | 5,708 | 4,670 |
| Interest on Federal Home Loan Bank advances | 1,287 | 1,526 |
| Total interest expense | 6,995 | 6,196 |
| Net interest income | 7,188 | 5,741 |
| Provision (benefit) for credit losses | 415 | (320) |
| Net interest income, after provision (benefit) for credit losses | 6,773 | 6,061 |
| Non-interest income: | ||
| Customer service fees | 229 | 191 |
| Income on bank owned life insurance | 152 | 119 |
| Loss on available for sale securities, net | — | (317) |
| Miscellaneous | 117 | 59 |
| Total non-interest income | 498 | 52 |
| Non-interest expense: | ||
| Salaries and employee benefits | 3,147 | 2,697 |
| Occupancy and equipment, net | 420 | 396 |
| Data processing | 480 | 408 |
| Deposit insurance | 195 | 210 |
| Marketing and advertising | 266 | 184 |
| Other general and administrative | 1,108 | 900 |
| Total non-interest expense | 5,616 | 4,795 |
| Income before income taxes | 1,655 | 1,318 |
| Provision for income taxes | 387 | 356 |
| Net income | $1,268 | $962 |
| Share Data: | ||
| Average common shares outstanding, basic and diluted | 8,981,699 | 8,964,893 |
| Basic and diluted net income per share | $0.14 | $0.11 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.