Consolidated Statements of Cash Flows (unaudited) - USD ($)	3 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
Cash flows from operating activities:
Net Income (Loss)	$ 962,000	$ (632,000)
Adjustments to reconcile net income (loss) to net cash provided by (used) by operating activities:
Provision (benefit) for credit losses	(320,000)	1,162,000
Net amortization of securities	21,000	94,000
Depreciation and amortization	223,000	209,000
Increase in cash surrender value of bank owned life insurance	(119,000)	(117,000)
Accretion of net deferred loan origination fees	(17,000)	(41,000)
Losses on sale of securities available for sale, net	317,000
Gain on marketable equity securities, net	0	(171,000)
Deferred tax provision	64,000
Net change in:
Accrued interest receivable	(131,000)	94,000
Other assets	735,000	(209,000)
Accrued expenses and other liabilities	(378,000)	(723,000)
Net cash provided (used) by operating activities	1,357,000	(334,000)
Activity in securities available for sale:
Maturities, calls and prepayments	1,784,000	9,714,000
Sales	7,195,000
Purchases	(15,789,000)	(6,500,000)
Activity in securities held to maturity:
Maturities, calls and prepayments	1,516,000	2,442,000
Purchases	(4,954,000)	(5,000,000)
Purchase of Federal Home Loan Bank stock	(650,000)	(160,000)
Loan originations, net of principal payments	(42,422,000)	(27,501,000)
(Purchase) disposal of premises and equipment, net	8,000	(60,000)
Net cash used by investing activities	(53,312,000)	(27,065,000)
Cash flows from financing activities:
Net increase in deposits	37,239,000	6,886,000
Net change in short-term Federal Home Loan Bank advances	33,000,000	3,457,000
Proceeds from long-term Federal Home Loan Bank advances		15,000,000
Repayment of long-term Federal Home Loan Bank advances	(16,000,000)	(5,000,000)
Net increase in mortgagors' escrow accounts	189,000	157,000
Net cash provided by financing activities	54,428,000	20,500,000
Net change in cash and cash equivalents	2,473,000	(6,899,000)
Cash and cash equivalents at beginning of year	55,244,000	44,114,000
Cash and cash equivalents at end of year	57,717,000	37,215,000
Supplemental cash flow information:
Interest paid on deposits	4,656,000	5,112,000
Interest paid on Federal Home Loan Bank advances	1,539,000	1,812,000
Income taxes paid, net of (refunds)	$ 641,000	$ 15,000

Winchester Bancorp, Inc./MD/ 10-Q