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.