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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the Quarterly Period Ended March 31, 2026

☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission File Number: 000-56690

EWSB BANCORP, INC.

(Exact Name of Registrant as Specified in Its Charter)


Maryland		33-2899738
(State of Other Jurisdiction of Incorporation or Organization)		(I.R.S. Employer Identification No.)

109 West Second Street, Kaukauna, Wisconsin 54130

(Address of Principal Executive Offices) (Zip Code)

(920) 766-4646

(Registrant’s Telephone Number, Including Area Code)

Not applicable

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock	EWSB	OTCQB Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.


Large Accelerated Filer	☐	Accelerated Filer	☐
Non-accelerated Filer	☒	Smaller Reporting Company	☒
Emerging growth company	☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

As of May 11, 2026, the Registrant had 752,538 shares of common stock, par value $0.01 per share issued and outstanding.

Table of Contents

TABLE OF CONTENTS


		Page
PART I.	FINANCIAL INFORMATION
Item 1.	Financial Statements	1
	Consolidated Balance Sheets as of March 31, 2026 (unaudited) and December 31, 2025	1
	Consolidated Statements of Operations for the Three Months Ended March 31, 2026 and 2025 (unaudited)	2
	Consolidated Statements of Comprehensive Income (Loss) for the Three Months Ended March 31, 2026 and 2025 (unaudited)	4
	Consolidated Statements of Changes in Equity for the Three Months Ended March 31, 2026 and 2025 (unaudited)	5
	Condensed Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2026 and 2025 (unaudited)	6
	Notes to Consolidated Financial Statements	7
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	24
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	35
Item 4.	Controls and Procedures	35
PART II.	OTHER INFORMATION
Item 1.	Legal Proceedings	36
Item 1A.	Risk Factors	36
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	36
Item 3.	Defaults Upon Senior Securities	36
Item 4.	Mine Safety Disclosures	36
Item 5.	Other Information	36
Item 6.	Exhibits	37
Signatures		38

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EWSB BANCORP, INC. AND SUBSIDIARY

Consolidated Balance Sheets


		March 31, 2026		December 31, 2025
		(unaudited)
Assets
Cash and cash equivalents		$	964,642	$	1,272,620
Time deposits with other financial institutions			4,500,199		4,499,912
Debt securities available for sale (amortized cost of $24,694,657 and $24,917,350 as of March 31, 2026 and December 31, 2025, respectively)			21,982,711		22,289,409
Debt securities held to maturity (fair value of $33,988,637 and $36,749,812 as of March 31, 2026 and December 31, 2025, respectively)			33,945,648		36,431,757
Loans, net of allowance of $1,166,431 and $1,142,629 as of March 31, 2026 and December 31, 2025, respectively			184,964,182		189,415,521
Land held for sale			435,328		435,328
Office properties and equipment, net			2,316,203		2,357,973
Federal Home Loan Bank stock			2,759,245		2,759,245
Cash value of life insurance			8,024,695		7,956,118
Deferred tax asset, net of allowance of $3,390,991 and $3,297,641 as of March 31, 2026 and December 31, 2025, respectively			1,803,430		1,844,846
Accrued interest receivable and other assets			1,530,628		1,706,597

TOTAL ASSETS		$	263,226,911	$	270,969,326

Liabilities and Equity
Deposits:
Non-interest bearing		$	7,597,399	$	7,696,247
Interest bearing			211,404,438		209,554,301
Total deposits			219,001,837		217,250,548
Borrowed funds			29,257,820		38,368,820
Advance payments by borrowers for taxes and insurance			635,165		479,924
Accrued interest payable and other liabilities			1,358,206		1,652,108

Total liabilities			250,253,028		257,751,400

Equity:
Common stock ($0.01 par value, 4,000,000 shares authorized, 752,538 issued and outstanding as of March 31, 2026 and December 31, 2025)			7,525		7,525
Additional paid-in capital			5,470,718		5,471,260
Retained earnings			12,957,426		13,322,206
Unallocated common shares held by Employee Stock Ownership Plan (ESOP)			(467,517)		(474,102)
Accumulated other comprehensive income (loss)			(4,994,269)		(5,108,963)

Total stockholders' equity			12,973,883		13,217,926

TOTAL LIABILITIES AND EQUITY		$	263,226,911	$	270,969,326

See accompanying notes to unaudited consolidated financial statements.

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EWSB BANCORP, INC. AND SUBSIDIARY

Consolidated Statements of Operations (unaudited)


		Three Months Ended March 31,
		2026		2025
Interest and dividend income:
Loans, including fees		$	2,349,785	$	2,287,479
Securities:
Taxable			234,312		256,037
Tax-exempt			9,393		9,398
Other			87,435		50,815

Total interest and dividend income			2,680,925		2,603,729

Interest expense:
Deposits			1,164,558		1,379,097
Borrowed funds			339,225		262,331

Total interest expense			1,503,783		1,641,428

Net interest and dividend income			1,177,142		962,301
Provision for credit losses			52,893		110,290

Net interest income after provision for credit losses			1,124,249		852,011

Noninterest income:
Service charges on deposit accounts			13,942		14,582
Interchange income			50,694		56,354
Mortgage banking income			46,961		39,308
Gain on sale of mortgage loans			158,735		57,859
Increase in cash value of life insurance			68,576		62,225
Gain on interest rate swap			8,608		—
Other			74,716		90,014

Total noninterest income			422,232		320,342

See accompanying notes to unaudited consolidated financial statements.

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EWSB BANCORP, INC. AND SUBSIDIARY

Consolidated Statements of Operations (unaudited) Continued


		Three Months Ended March 31,
		2026		2025
Noninterest expense:
Salaries and related benefits			1,044,450		1,106,569
Occupancy expense			165,817		167,974
Data processing			258,511		274,338
Advertising			22,314		27,982
FDIC insurance premiums			99,895		56,626
Other			320,274		335,036

Total noninterest expense			1,911,261		1,968,525

Income (loss) before provision for (benefit from) income taxes			(364,780)		(796,172)
Provision for (benefit from) income taxes			—		(227,531)
Net income (loss)		$	(364,780)	$	(568,641)
Basic and diluted earnings per share		$	(0.52)	$	(0.81)
Weighted average shares outstanding			705,457		702,823

See accompanying notes to unaudited consolidated financial statements.

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EWSB BANCORP, INC. AND SUBSIDIARY

Consolidated Statements of Comprehensive Income (Loss) (unaudited)


		Three Months Ended March 31,
		2026		2025
Net income (loss)		$	(364,780)	$	(568,641)
Other comprehensive income (loss), before tax:
Unrealized holding gain (loss) on available for sale debt securities			(84,005)		493,613
Reclassification adjustment for (accretion) amortization of unrealized holding gain (loss) included in accumulated other comprehensive income (loss) from the securities transferred from available for sale to held to maturity			240,115		296,185

Other comprehensive income (loss), before tax			156,110		789,798
Tax effect of other comprehensive income (loss) items			(41,416)		(228,875)

Other comprehensive income (loss), net of tax			114,694		560,923

Comprehensive income (loss)		$	(250,086)	$	(7,718)

See accompanying notes to unaudited consolidated financial statements.

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EWSB BANCORP, INC. AND SUBSIDIARY

Consolidated Statements of Changes in Equity (unaudited)


									Unallocated			Accumulated
									Common			Other
	Common Stock				Additional Paid-		Retained		Shares Held			Comprehensive
	Shares		Amount		In Capital		Earnings		by ESOP			Income (Loss)		Total Equity

	Three Months Ended March 31, 2026
Balance at January 1, 2026		752,538	$	7,525	$	5,471,260	$	13,322,206	$	(474,102)		$	(5,108,963)	$	13,217,926
Net income (loss)		—		—		—		(364,780)		—			—		(364,780)
ESOP shares committed to be released		—		—		(542)		—		6,585			—		6,043
Other comprehensive income (loss)		—		—		—		—		—			114,694		114,694
Balance at March 31, 2026		752,538	$	7,525	$	5,470,718	$	12,957,426	$	(467,517)		$	(4,994,269)	$	12,973,883


									Unallocated			Accumulated
									Common			Other
	Common Stock				Additional Paid-		Retained		Shares Held			Comprehensive
	Shares		Amount		In Capital		Earnings		by ESOP			Income (Loss)		Total Equity

	Three Months Ended March 31, 2025
Balance at January 1, 2025		752,538	$	7,525	$	5,472,763	$	17,499,162	$	(500,441)		$	(6,852,253)	$	15,626,756
Net income (loss)		—		—		—		(568,641)		—			—		(568,641)
ESOP shares committed to be released		—		—		462		—		6,585			—		7,047
Other comprehensive income (loss)		—		—		—		—		—			560,923		560,923
Balance at March 31, 2025		752,538	$	7,525	$	5,473,225	$	16,930,521	$	(493,856)		$	(6,291,330)	$	15,626,085

See accompanying notes to unaudited consolidated financial statements.

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EWSB BANCORP, INC. AND SUBSIDIARY

Condensed Consolidated Statements of Cash Flows (unaudited)


	Three Months Ended March 31,
	2026		2025
Cash flows from operating activities:	$	(487,052)	$	(853,108)

Cash flows from investing activities:
Proceeds from maturities and paydowns of securities available for sale		230,894		283,428
Proceeds from maturities and paydowns of securities held to maturity		2,750,000		—
Purchase of FHLB stock		—		(23,811)
Net decrease/(increase) in loans		(1,917,237)		(3,562,678)
Proceeds from sale of loans		6,319,887		—
Purchase of office properties and equipment		—		(46,243)
Net cash flows provided by (used in) investing activities		7,383,544		(3,349,304)

Cash flows from financing activities:
Net change in deposits		1,751,289		126,614
Net change in advance payments by borrowers for taxes and insurance		155,241		377,631
Net increase/(decrease) from FHLB short-term advances activity		(611,000)		4,135,000
Proceeds from FHLB long-term advances		—		8,000,000
Maturities and paydowns of FHLB long-term advances		(8,500,000)		(8,500,000)
Net cash flows provided by (used in) financing activities		(7,204,470)		4,139,245

Net change in cash and cash equivalents		(307,978)		(63,167)
Cash and cash equivalents at beginning of period		1,272,620		1,188,634
Cash and cash equivalents at end of period	$	964,642	$	1,125,467

Supplemental cash flow information:
Cash paid during the period for:
Interest	$	1,477,724	$	1,703,995
Taxes	$	—	$	—

See accompanying notes to unaudited consolidated financial statements.

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EWSB BANCORP, INC. AND SUBSIDIARY

Notes to Unaudited Consolidated Financial Statements

Note 1: Summary of Significant Accounting Policies

Organization

EWSB Bancorp, Inc. (the “Company”), a Maryland corporation and registered bank holding company, was formed to serve as the holding company for East Wisconsin Savings Bank (the “Bank”), upon conversion of Wisconsin Mutual Bancorp, MHC to the stock form of organization, which was completed on September 20, 2024. In connection with the conversion, the Company sold 752,538 shares of common stock, par value $0.01, including 52,678 shares sold to the Bank’s Employee Stock Ownership Plan, at $10.00 per share in its subscription offering for gross proceeds (before deducting offering expenses) of approximately $7.5 million. Shares of the Company’s common stock began trading on September 24, 2024 on the OTCQB Market under the trading symbol “EWSB”.

The Bank provides a variety of financial services to individual and corporate customers. The Bank operates as a full-service financial institution with a primary market area including, but not limited to, east central Wisconsin. The Company is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory authorities.

Principles of Consolidation

The financial statements include the accounts of EWSB Bancorp, Inc. and its subsidiary, East Wisconsin Savings Bank. All significant intercompany balances and transactions have been eliminated.

Basis of Presentation

The accompanying unaudited Consolidated Financial Statements were prepared in accordance with GAAP and the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with the audited financial statements and related notes of EWSB Bancorp, Inc’s Consolidated Financial Statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025. The Company has not changed its significant accounting and reporting policies from those disclosed in the audited financial statements for the year ended December 31, 2025.

Use of Estimates in Preparation of Financial Statements

The preparation of the accompanying financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenue and expenses during the reporting period. The determination of the allowance for credit losses and valuation allowance on deferred tax assets are particularly subject to change in the near term. Actual results may differ from these estimates. The results of operations for the three months ended March 31, 2026, are not necessarily indicative of results that may be expected for any other interim period or the entire fiscal year ending December 31, 2026.

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EWSB BANCORP, INC. AND SUBSIDIARY

Note 2: Debt Securities

Our debt securities portfolio consists of an available for sale (“AFS”) and a held to maturity (“HTM”) securities portfolio, both of which represent interest earning debt securities.

Debt Securities AFS

The following table summarizes the amortized cost and estimated fair value of AFS securities on March 31, 2026 and December 31, 2025, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss):


					Gross			Gross
		Amortized			Unrealized			Unrealized			Estimated
		Cost			Gains			(Losses)			Fair Value
March 31, 2026
Securities available for sale:
Mortgage-backed securities		$	7,831,480		$	—		$	(888,575)		$	6,942,905
State and political subdivisions			13,390,610			—			(1,382,134)			12,008,476
Corporate securities			3,472,567			—			(441,237)			3,031,330
Total securities available for sale		$	24,694,657		$	—		$	(2,711,946)		$	21,982,711


					Gross			Gross
		Amortized			Unrealized			Unrealized			Estimated
		Cost			Gains			(Losses)			Fair Value
December 31, 2025
Securities available for sale:
Mortgage-backed securities		$	8,053,774		$	—		$	(866,049)		$	7,187,725
State and political subdivisions			13,392,267			—			(1,338,248)			12,054,019
Corporate securities			3,471,309			—			(423,644)			3,047,665
Total securities available for sale		$	24,917,350		$	—		$	(2,627,941)		$	22,289,409

There were no sales of securities available for sale during the three months ended March 31, 2026 and 2025.

The following tables show the fair value and gross unrealized losses of AFS debt securities in an unrealized loss position at March 31, 2026 and December 31, 2025, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position:


	Less Than 12 Months				12 Months or More				Total
		Estimated		Unrealized	Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Loss	Fair Value		Loss		Fair Value		Loss
March 31, 2026
Securities available for sale:
Mortgage-backed securities	$	—	$	—	$	6,942,905	$	(888,575)	$	6,942,905	$	(888,575)
State and political subdivisions		—		—		12,008,476		(1,382,134)		12,008,476		(1,382,134)
Corporate securities		—		—		3,031,330		(441,237)		3,031,330		(441,237)
Totals	$	—	$	—	$	21,982,711	$	(2,711,946)	$	21,982,711	$	(2,711,946)

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EWSB BANCORP, INC. AND SUBSIDIARY


	Less Than 12 Months				12 Months or More				Total
	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
	Fair Value		Loss		Fair Value		Loss		Fair Value		Loss
December 31, 2025
Securities available for sale:
Mortgage-backed securities	$	—	$	—	$	7,187,725	$	(866,049)	$	7,187,725	$	(866,049)
State and political subdivisions		—		—		12,054,019		(1,338,248)		12,054,019		(1,338,248)
Corporate securities		—		—		3,047,665		(423,644)		3,047,665		(423,644)
Totals	$	—	$	—	$	22,289,409	$	(2,627,941)	$	22,289,409	$	(2,627,941)

At March 31, 2026, 48 debt securities designated as AFS were in an unrealized loss position. Based on our analysis of these securities, the decline in value was unrelated to credit loss and is related to changes in market interest rates since purchase, and therefore, changes in value for securities were included in other comprehensive income. In analyzing whether unrealized losses on debt securities are not related to credit losses, management takes into consideration, as applicable, whether the securities are issued by a governmental body or agency, whether the rating agency has downgraded the securities, industry analysts’ reports, the financial condition and performance of the issuer, and the quality of any underlying assets or credit enhancements. Market valuations and credit loss analysis on assets in the AFS securities portfolio are reviewed and monitored on a quarterly basis. None of the investments in our AFS securities portfolio were past due as of March 31, 2026. Management has the ability and intent to hold the securities for the foreseeable future and no declines are deemed to be related to credit losses; therefore, no provision for expected credit losses or allowance is carried for the AFS portfolio.

The following is a summary of amortized cost and estimated fair value of debt securities by contractual maturity as of March 31, 2026. Contractual maturities will differ from expected maturities for mortgage-backed securities because borrowers may have the right to call or prepay obligations without penalties.


	March 31, 2026
			Estimated
Available-for-sale	Amortized Cost		Fair Value
Due in one year or less	$	—	$	—
Due after one year through five years		10,200,437		9,330,440
Due after five years through ten years		6,662,740		5,709,366
Due after ten years		—		—

Subtotal		16,863,177		15,039,806
Mortgage-backed securities		7,831,480		6,942,905
Total	$	24,694,657	$	21,982,711

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EWSB BANCORP, INC. AND SUBSIDIARY

Debt Securities HTM

The following table summarizes the amortized cost and estimated fair value of HTM securities at March 31, 2026 and December 31, 2025, and the corresponding amounts of gross unrealized gains and losses.


			Gross		Gross
	Amortized		Unrealized		Unrealized		Estimated
March 31, 2026	Cost		Gains		Losses		Fair Value
Securities held to maturity:
U.S. government sponsored agencies	$	27,332,368	$	95,743	$	(60,459)	$	27,367,652
U.S. Treasury securities		6,613,280		7,705		—		6,620,985
Total securities held to maturity	$	33,945,648	$	103,448	$	(60,459)	$	33,988,637


			Gross		Gross
	Amortized		Unrealized		Unrealized		Estimated
December 31, 2025	Cost		Gains		Losses		Fair Value
Securities held to maturity:
U.S. government sponsored agencies	$	27,632,778	$	297,140	$	(9,549)	$	27,920,369
U.S. Treasury securities		8,798,979		30,464		—		8,829,443
Total securities held to maturity	$	36,431,757	$	327,604	$	(9,549)	$	36,749,812

Investment securities classified as HTM are recorded at amortized cost subject to measurement of credit losses on financial instruments, also known as Current Expected Credit Losses (“CECL”). This methodology consists of measuring the value of investments on a collective basis when similar risk characteristics exist. Our investment policy requires securities designated as HTM to carry an explicit or implicit guarantee of the United States Government (i.e., issued by the U.S. Treasury and federal agencies of the United States). Market valuations and credit loss analysis on assets in the HTM securities portfolio are reviewed and monitored on a quarterly basis. None of the investments in our HTM securities portfolio were past due as of March 31, 2026. An allowance for credit losses (“ACL”) is not calculated or recorded based on the implied guarantee of these securities.

The following table summarizes the remaining contractual principal maturities of investment securities classified as HTM as of March 31, 2026. For United States agency debentures, the expected maturity is the actual contractual maturity of the notes. Expected remaining maturities for certain United States agency debentures may occur earlier than their contractual maturities because the note issuers have the right to call outstanding amounts ahead of their contractual maturity.


	March 31, 2026
	Amortized		Estimated
Held-to-maturity	Cost		Fair Value
Due in one year or less	$	5,928,021	$	5,935,417
Due after one year through five years		17,357,658		17,419,817
Due after five years through ten years		10,659,969		10,633,403
Total	$	33,945,648	$	33,988,637

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EWSB BANCORP, INC. AND SUBSIDIARY

Note 3: Loans and Allowance for Credit Losses

A summary of loans by major category as of March 31, 2026 and December 31, 2025 is as follows:


	March 31, 2026		December 31, 2025
Real estate:
One to four family residential	$	125,089,382	$	129,672,893
Home equity		1,877,204		1,975,201
Equity line of credit		7,425,238		6,930,038
Construction		12,080,543		12,175,080
Multi-family		1,214,501		1,067,972
Commercial		1,911,470		1,936,965
Commercial installment		3,852,579		3,505,245
Consumer:
Marine and recreational		30,018,988		30,242,927
Other consumer		2,808,206		3,207,401

Subtotal		186,278,111		190,713,722
Allowance for credit losses		(1,166,431)		(1,142,629)
Unearned loan fees		(147,498)		(155,572)
Loans, net	$	184,964,182	$	189,415,521

Changes in the allowance for the three months ended March 31, 2026 and 2025, are as follows:


	For the three months ended March 31, 2026
	Beginning		Provision for						Ending
	Balance		Credit Loss		Charge-offs			Recoveries	Balance
Real estate:
One to four family residential	$	601,094	$	4,034	$	—	$	—	$	605,128
Home equity		9,156		(75)		—		—		9,081
Equity line of credit		32,124		3,796		—		—		35,920
Construction		136,781		(445)		—		—		136,336
Multi-family		4,951		924		—		—		5,875
Commercial		19,727		585		—		—		20,312
Commercial Installment		35,804		14,078		—		—		49,882
Consumer:
Marine and recreational		277,395		28,749		(25,877)		—		280,267
Other consumer		25,597		(2,957)		—		990		23,630
Total	$	1,142,629	$	48,689	$	(25,877)	$	990	$	1,166,431

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EWSB BANCORP, INC. AND SUBSIDIARY


	For the three months ended March 31, 2025
	Beginning		Provision for						Ending
	Balance		Credit Loss		Charge-offs		Recoveries		Balance
Real estate:
One to four family residential	$	639,578	$	99,815	$	—	$	—	$	739,393
Home equity		11,020		1,640		—		—		12,660
Equity line of credit		28,634		4,417		—		—		33,051
Construction		73,444		26,026		—		—		99,470
Multi-family		6,251		1,576		—		—		7,827
Commercial		30,624		(5,821)		—		—		24,803
Commercial Installment		42,629		(4,062)		—		—		38,567
Consumer:
Marine and recreational		259,197		(52,156)		—		—		207,041
Other consumer		35,045		(7,602)		—		—		27,443
Total	$	1,126,422	$	63,833	$	—	$	—	$	1,190,255

The ACL on loans excludes $134,989 of allowance for unfunded commitments as of March 31, 2026 and $130,786 as of December 31, 2025 and is recorded within accrued interest payable and other liabilities on the Consolidated Balance Sheets. A provision for credit loss on unfunded loan commitments of $4,203 was made for the three months ended March 31, 2026. A provision for credit loss on unfunded loan commitments of $46,457 was made for three months ended March 31, 2025.

As of March 31, 2026, there were two collateral dependent loans totaling $6,219 in the other consumer loan segment. These loans were secured by automobiles and did not carry a specific allocation to the ACL as of March 31, 2026. Additionally, there was one collateral dependent loan totaling $20,153 in the marine and recreational loan category carrying a specific allocation of $10,153 to the ACL as of March 31, 2026.

As of December 31, 2025, there were three collateral dependent loans totaling $301,838. One of the loans with outstanding principal of $294,557 is in the one-to-four family residential loan category and two loans totaling $7,281 are in the other consumer loan segment and were secured by automobiles. The aforementioned loans do not have a specific allocation to the ACL as of December 31, 2025.

The Company regularly evaluates various attributes of loans to determine the appropriateness of the allowance for credit losses. The credit quality indicators monitored differ depending on the class of loan.

Multi-family, commercial real estate, and commercial installment loans are generally evaluated using the following internally prepared ratings:

●	Pass ratings are assigned to loans with adequate collateral and debt service ability such that collectability of the contractual loan payments is highly probable.

●	Special mention ratings are assigned to loans where management has some concern that the collateral or debt service ability may not be adequate, though the collectability of the contractual loan payments is still probable.

●	Substandard ratings are assigned to loans that do not have adequate collateral and/or debt service ability such that collectability of the contractual loan payments is no longer probable.

●	Doubtful ratings are assigned to loans that do not have adequate collateral and/or debt service ability, and collectability of the contractual loan payments is unlikely.

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EWSB BANCORP, INC. AND SUBSIDIARY

One to four family residential, home equity, equity line of credit, construction, marine and recreational, and other consumer loans are generally evaluated based on whether the loan is performing according to the contractual terms of the loan.

The following tables present the credit risk profile of the Company’s loan portfolio based on risk rating category and year of origination at March 31, 2026 and December 31, 2025.


	Total Loans by Origination Year
	2026		2025		2024		2023		2022		Prior		Revolving		Total
At March 31, 2026
Real estate
One to four family residential
Performing	$	2,454,676	$	12,732,865	$	17,242,789	$	6,944,619	$	29,730,034	$	55,984,399	$	—	$	125,089,382
Non performing		—		—		—		—		—		—		—		—
Total one to four family residential	$	2,454,676	$	12,732,865	$	17,242,789	$	6,944,619	$	29,730,034	$	55,984,399	$	—	$	125,089,382
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Home equity
Performing	$	71,478	$	294,438	$	710,454	$	415,789	$	278,170	$	106,875	$	—	$	1,877,204
Non performing		—		—		—		—		—		—		—		—
Total home equity	$	71,478	$	294,438	$	710,454	$	415,789	$	278,170	$	106,875	$	—	$	1,877,204
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Equity line of credit
Performing	$	—	$	—	$	—	$	—	$	—	$	—	$	7,425,238	$	7,425,238
Non performing		—		—		—		—		—		—		—		—
Total equity line of credit	$	—	$	—	$	—	$	—	$	—	$	—	$	7,425,238	$	7,425,238
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Construction
Performing	$	881,022	$	9,476,425	$	1,413,870	$	117,463	$	61,654	$	130,109	$	—	$	12,080,543
Non performing		—		—		—		—		—		—		—		—
Total construction	$	881,022	$	9,476,425	$	1,413,870	$	117,463	$	61,654	$	130,109	$	—	$	12,080,543
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Multi-family
Pass	$	913,222	$	—	$	—	$	—	$	—	$	301,279	$	—	$	1,214,501
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total multi-family	$	913,222	$	—		—	$	—		—	$	301,279	$	—	$	1,214,501
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Commercial
Pass	$	—	$	58,697	$	473,532	$	141,286	$	969,137	$	268,818	$	—	$	1,911,470
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total commercial	$	—	$	58,697	$	473,532	$	141,286	$	969,137	$	268,818	$	—	$	1,911,470
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Commercial installment
Pass	$	759,960	$	1,186,277	$	115,753	$	159,661	$	207,763	$	1,423,165	$	—	$	3,852,579
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total commercial installment	$	759,960	$	1,186,277	$	115,753	$	159,661	$	207,763	$	1,423,165	$	—	$	3,852,579
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Consumer
Marine and recreational
Performing	$	1,672,392	$	5,849,327	$	5,110,751	$	5,645,335	$	1,965,761	$	9,755,269	$	—	$	29,998,835
Non performing		—		—		—		—		20,153		—		—		20,153
Total marine and recreational	$	1,672,392	$	5,849,327	$	5,110,751	$	5,645,335	$	1,985,914	$	9,755,269	$	—	$	30,018,988
Current year-to-date gross write-offs		—		—		—		—		—		25,877		—		25,877
Other consumer
Performing	$	87,128	$	600,599	$	616,390	$	394,613		352,880	$	750,377	$	—	$	2,801,987
Non performing		—		—		—		—		6,219		—		—		6,219
Total other consumer	$	87,128	$	600,599	$	616,390	$	394,613	$	359,099	$	750,377	$	—	$	2,808,206
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Total loans	$	6,839,878	$	30,198,628	$	25,683,539	$	13,818,766	$	33,591,771	$	68,720,291	$	7,425,238	$	186,278,111
Total current year-to-date gross write-offs		—		—		—		—		—		25,877		—		25,877

Table of Contents

EWSB BANCORP, INC. AND SUBSIDIARY


	Total Loans by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving		Total
At December 31, 2025
Real estate
One to four family residential
Performing	$	13,673,316	$	19,779,834	$	7,998,043	$	30,001,104	$	10,818,144	$	47,107,895	$	—	$	129,378,336
Non performing		—		—		—		—		—		294,557		—		294,557
Total one to four family residential	$	13,673,316	$	19,779,834	$	7,998,043	$	30,001,104	$	10,818,144	$	47,402,452	$	—	$	129,672,893
Current year-to-date gross write-offs		—		—		—		—		—		686		—		686
Home equity
Performing	$	301,733	$	807,240	$	465,994	$	286,981	$	15,261	$	97,992	$	—	$	1,975,201
Non performing		—		—		—		—		—		—		—		—
Total home equity	$	301,733	$	807,240	$	465,994	$	286,981	$	15,261	$	97,992	$	—	$	1,975,201
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Equity line of credit
Performing	$	—	$	—	$	—	$	—	$	—	$	—	$	6,930,038	$	6,930,038
Non performing		—		—		—		—		—		—		—		—
Total equity line of credit	$	—	$	—	$	—	$	—	$	—	$	—	$	6,930,038	$	6,930,038
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Construction
Performing	$	9,384,639	$	2,475,561	$	119,018	$	62,686	$	—	$	133,176	$	—	$	12,175,080
Non performing		—		—		—		—		—		—		—		—
Total construction	$	9,384,639	$	2,475,561	$	119,018	$	62,686	$	—	$	133,176	$	—	$	12,175,080
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Multi-family
Pass	$	—	$	—	$	—	$	—	$	201,072	$	866,900	$	—	$	1,067,972
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total multi-family	$	—	$	—	$	—	$	—	$	201,072	$	866,900	$	—	$	1,067,972
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Commercial
Pass	$	59,001	$	476,965	$	143,525	$	978,898	$	224,550	$	54,026	$	—	$	1,936,965
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total commercial	$	59,001	$	476,965	$	143,525	$	978,898	$	224,550	$	54,026	$	—	$	1,936,965
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Commercial installment
Pass	$	1,284,063	$	120,517	$	164,205	$	220,173	$	757,869	$	958,418	$	—	$	3,505,245
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total commercial installment	$	1,284,063	$	120,517	$	164,205	$	220,173	$	757,869	$	958,418	$	—	$	3,505,245
Current year-to-date gross write-offs		—		—		—		—		—		—		—		—
Consumer
Marine and recreational
Performing	$	6,169,142	$	5,362,958	$	6,046,790	$	2,122,067	$	393,319	$	10,148,651	$	—	$	30,242,927
Non performing		—		—		—

EWSB Bancorp, Inc. /MD/ 10-Q