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EWSB Bancorp vice president reports initial share holdings
Kailee Vander Loop, VP HR Technology at EWSB Bancorp, filed an initial Form 3 reporting existing ownership of the company’s common stock. The filing lists 3,750 shares held directly and additional indirect holdings through a spouse IRA, personal IRAs, a Roth IRA, and a child’s account.
EWSB Bancorp, Inc., holding company for East Wisconsin Savings Bank, is a newly public community bank that completed its conversion and initial stock offering on September 20, 2024, selling 752,538 shares at $10.00 per share for approximately $7.5 million in gross proceeds.
At December 31, 2025, the company reported consolidated assets of $271.0 million, deposits of $217.3 million and stockholders’ equity of $13.2 million. The loan portfolio totaled $190.7 million, led by one- to four-family residential mortgages at $129.7 million, or 68.0% of total loans, and marine and recreational vehicle loans at $30.2 million, or 15.9%. The bank also held $58.7 million of investment securities, equal to 21.7% of total assets, and $38.4 million of Federal Home Loan Bank advances.
Credit quality indicators were favorable, with non-performing loans of $302,000, representing 0.16% of total loans, and no foreclosed real estate. The allowance for credit losses was $1.143 million, or 0.60% of total loans, covering 378.5% of non-accrual loans.
Regulatory capital metrics diverged between state and federal regimes. Under Wisconsin rules, the bank’s capital-to-assets ratio was 4.9% at December 31, 2025, below the 6% state minimum. However, under federal prompt corrective action standards, the bank was considered well-capitalized, with a common equity Tier 1 capital ratio of 10.8%, a Tier 1 leverage ratio of 6.1%, a Tier 1 risk-based capital ratio of 10.8% and a total risk-based capital ratio of 11.6%.
EWSB Bancorp, Inc. reported a governance change to its corporate bylaws. On March 17, 2026, the Board of Directors amended and restated the company’s Bylaws to remove the requirement that directors maintain their principal residence in Outagamie, Winnebago or Calumet Counties, Wisconsin.
This change broadens eligibility for board service beyond those specific Wisconsin counties, potentially allowing a wider pool of candidates to serve as directors. The amended and restated Bylaws were filed as Exhibit 3 and incorporated by reference.
EWSB Bancorp, Inc. received an updated ownership report from the East Wisconsin Savings Bank Employee Stock Ownership Plan Trust. The plan reports beneficial ownership of 52,678 shares of common stock, representing 7% of the class as of 12/31/2025.
The trust has sole voting power over 47,410 shares and shared voting power over 5,268 shares. It holds sole dispositive power over all 52,678 shares and no shared dispositive power. The filer certifies the shares are held in the ordinary course of business and not for the purpose of changing or influencing control of EWSB Bancorp.
EWSB Bancorp, Inc. reported a third‑quarter net loss of $3,340,658, with basic and diluted EPS of $(4.74). For the nine months, net loss was $4,187,959. Net interest income rose to $1,224,170 in Q3 (from $806,643 a year ago), while noninterest income was $432,055 and noninterest expense was $1,803,426. The quarter included a provision for income taxes of $3,176,877.
Balance sheet trends were mixed. Total assets were $280,213,927 versus $273,305,779 at year‑end. Loans, net, increased to $196,872,466. Deposits declined to $219,140,134 (from $231,519,470), while borrowed funds increased to $44,824,000 (from $24,200,000). Stockholders’ equity decreased to $12,877,186, as retained earnings fell and accumulated other comprehensive loss improved to $(5,432,727) from $(6,852,253).
Securities marks improved. Available‑for‑sale unrealized losses were $2,806,113 (better than $3,930,023 at year‑end). Held‑to‑maturity securities showed net unrealized gains of $224,841. As of November 14, 2025, common shares outstanding were 752,538.