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EWSB on OTC

EWSB Bancorp, Inc. /MD/

American savings institutions company based in Kaukauna, listed on OTC (EWSB)1

In its 2026 annual report the company says: “EWSB Bancorp, Inc. is a Maryland corporation and owns 100% of the outstanding common stock of East Wisconsin Savings Bank.”3

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Last updated Oct 21, 2026.

Overview

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  • TickerEWSB on OTC1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersKaukauna, Wisconsin1
  • Incorporated inMD2
  • Business address109 West Second Street, Kaukauna, Wi 024922
  • Filer categoryNon-accelerated filer, Smaller reporting company, Emerging growth company2
  • Legal formCorporation

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These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income45-$4.2M in 2025+347% since 2023
-$6.0M-$4.0M-$2.0M02023: -$935.2K-$935.2K20232024: -$1.7M-$1.7M2024+82%2025: -$4.2M-$4.2M2025+146%

Every line of the income statement as filed: the last 2 fiscal years, latest first.5

Period ending2025-12-312024-12-31
Loans, including fees$9.8M$8.5M
Taxable$990.9K$1.1M
Tax-exempt$37.6K$37.6K
Other$261.4K$161.5K
Total interest and dividend income$11.1M$9.7M
Deposits$5.0M$5.2M
Borrowed funds$1.5M$1.2M
Total interest expense$6.5M$6.4M
Net interest and dividend income$4.6M$3.4M
Provision for credit losses$131.2K$166.8K
Net interest income after provision for credit losses$4.5M$3.2M
Service charges on deposit accounts$67.9K$74.5K
Interchange income$232.0K$241.1K
Mortgage banking income$166.3K$124.5K
Gain on sale of mortgage loans$438.7K$271.0K
Increase in cash value of life insurance$257.0K$236.7K
Gain on interest rate swap$84.3K$271.1K
Other$512.2K$480.0K
Total noninterest income$1.8M$1.7M
Salaries and related benefits$4.3M$4.2M
Occupancy expense$618.7K$662.1K
Data processing$1.1M$1.1M
Advertising$114.8K$152.4K
FDIC insurance premiums$311.4K$309.0K
Loss on sale and disposal of fixed assets$0$34.0K
Loss on sale of other real estate owned-$22.2K$0
Other$1.1M$902.3K
Total noninterest expense$7.6M$7.3M
Income (loss) before provision for (benefit from) income taxes-$1.3M-$2.4M
Provision for (benefit from) income taxes$2.9M-$736.1K
Net income (loss)-$4.2M-$1.7M
Basic earnings per share (in dollars per share)-$5.93-$8.62
Diluted earnings per share (in dollars per share)-$5.93-$8.62
Weighted average shares outstanding, Basic (in shares)703.8K shares197.2K shares
Weighted average shares outstanding, Diluted (in shares)703.8K shares197.2K shares

Compare EWSB Bancorp, Inc. /MD/ with another company

Corporate structure

EWSB Bancorp, Inc. /MD/ sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of EWSB Bancorp, Inc. /MD/

  • SPENCE LIMITED, LP Filed SCHEDULE 13D on EWSB Bancorp, Inc. /MD/, latest Aug 13, 2026 (2 filings since Sep 30, 2024)
  • Charles D. Schmalz Filed SCHEDULE 13D on EWSB Bancorp, Inc. /MD/, latest Jul 28, 2026
  • James E. Mangold Filed SCHEDULE 13D/A on EWSB Bancorp, Inc. /MD/, latest Jul 28, 2026 (2 filings since Sep 20, 2024)
  • Kory J. Schneider Filed SCHEDULE 13D/A on EWSB Bancorp, Inc. /MD/, latest Jul 28, 2026 (2 filings since Sep 20, 2024)
  • J. David Rosenberg Filed SCHEDULE 13D on EWSB Bancorp, Inc. /MD/, latest Jul 1, 2026
  • East Wisconsin Savings Bank Employee Stock Ownership Plan Trust Filed SCHEDULE 13G/A on EWSB Bancorp, Inc. /MD/, latest Feb 17, 2026 (2 filings since Feb 13, 2025)
  • EWSB Bancorp, Inc. /MD/ Kaukauna, Wisconsin

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What EWSB Bancorp, Inc. /MD/ reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$6.4M5 Dec 31, 2025$6.4M5 Dec 31, 2024−0.4%
Accumulated depreciation$4.0M5 Dec 31, 2025$4.0M5 Dec 31, 2024+0.7%
Property and equipment, net$2.4M5 Dec 31, 2025$2.4M5 Dec 31, 2024−2.2%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$1.3M5 Dec 31, 2025$1.2M5 Dec 31, 2024+7.1%
Loans, net of allowance$189.4M5 Dec 31, 2025$186.4M5 Dec 31, 2024+1.6%
Deposits held (banks)$217.3M5 Dec 31, 2025$231.5M5 Dec 31, 2024−6.2%

Properties, in its own words

We conduct our business through our headquarters in Kaukauna and branches in Appleton, Freedom, and Kimberly, Wisconsin. We own all four of our offices. At December 31, 2025 the total net book value of our land, buildings, leasehold improvements, furniture, fixtures and equipment was $2.4 million.

Item 2 of the 10-K filed Mar 25, 2026.3

Leadership

Who has led EWSB Bancorp, Inc. /MD/, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Charles D. Schmalz2024–now

President

  1. Charles D. Schmalz2024–now
2025
Board members and other officers (11)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive OfficerKailee M. Vander Loop named Jul 22, 202619
  • DirectorHope A. Lundt named Jul 22, 202619

Timeline

  1. Jul 20, 20268-K Unregistered sale of shares20
  2. Jul 6, 20268-K Executive or director change21
  3. Jun 29, 20268-K Unregistered sale of shares22
  4. Jun 5, 20268-K Shareholder vote23
  5. May 12, 20268-K Executive or director change24
  6. Apr 28, 20268-K Executive or director change25
  7. Apr 24, 20268-K Bylaws or fiscal year changed; Other events26
  8. Mar 20, 20268-K Bylaws or fiscal year changed27
  9. Jun 6, 20258-K Shareholder vote28
  10. Sep 20, 2024New chief executive Charles D. Schmalz becomes CEO8
  11. Sep 20, 20248-K Other events29
  12. Sep 18, 20248-K Other events30
  13. Aug 20, 20248-K Other events31

Filings

81 filings to the SEC since October 2021: 2 annual reports, 7 quarterly reports, 14 major events, 21 insider forms, 10 large holders, 2 private raises, 25 other. The latest 20:

  1. Aug 13, 2026SCHEDULE 13D EDGAR
  2. Aug 12, 202610-Q EDGAR
  3. Jul 28, 2026SCHEDULE 13D EDGAR
  4. Jul 28, 2026SCHEDULE 13D/A EDGAR
  5. Jul 28, 2026SCHEDULE 13D/A EDGAR
  6. Jul 22, 2026D/A EDGAR
  7. Jul 20, 20268-K CURRENT REPORT FILING EDGAR
  8. Jul 9, 2026D EDGAR
  9. Jul 9, 20264/A EDGAR
  10. Jul 9, 20264/A EDGAR
  11. Jul 9, 20264/A EDGAR
  12. Jul 9, 20264/A EDGAR
  13. Jul 9, 20264 EDGAR
  14. Jul 8, 20264 EDGAR
  15. Jul 8, 20264 EDGAR
  16. Jul 8, 20264 EDGAR
  17. Jul 8, 20264 EDGAR
  18. Jul 6, 20268-K EDGAR
  19. Jul 1, 2026SCHEDULE 13D EDGAR
  20. Jun 29, 20268-K EDGAR

The 81 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

10 open-market trades by officers, directors and large owners since October 2021: 10 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 29, 2026Schmalz Charles DPresident & CEOBuy67,641$10.00$676.4KForm 4
Jun 29, 2026Mangold James EVP - LendingBuy39,950$10.00$399.5KForm 4
Jun 29, 2026Schneider Kory JVP - Member ExperienceBuy47,900$10.00$479.0KForm 4
Jun 29, 2026Vander Loop KaileeVP HR TechnologyBuy15,180$10.00$151.8KForm 4
Jun 29, 2026Haen StevenDirectorBuy1,000$10.00$10.0KForm 4
Jun 29, 2025Vander Loop KaileeVP HR TechnologyBuy15,180$10.00$151.8KForm 4
Jun 29, 2025Schneider Kory JVP - Member ExperienceBuy47,900$10.00$479.0KForm 4
Jun 29, 2025Mangold James EVP - LendingBuy39,950$10.00$399.5KForm 4
Jun 29, 2025Schmalz Charles DPresident & CEOBuy67,641$10.00$676.4KForm 4
May 5, 2025Schmalz Charles DPresident & CEOBuy2,100$10.65$22.4KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Charles D. SchmalzPresident and Chief Executive Officer$280.0K$347.0K38
2025James E. MangoldVice President, Head of Lending$175.3K$187.7K38
2025Kory J. SchneiderVice President, Member Experience$175.0K$184.1K38
2024Charles D. SchmalzPresident and Chief Executive Officer$280.0K$349.0K38
2024Kory J. SchneiderVice President, Member Experience$175.0K$183.9K38
2024James E. MangoldVice President, Head of Lending$164.3K$176.2K38

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Money received by year$3.5M 2026–2026
Money received by yearMoney received by year, 2026–2026: $3.5M in all. Private raises (Form D) $3.5M.$0$1M$2M$3M$4M2026 · Private raises (Form D): $3.5M2026
Figures by year
YearPrivate raises (Form D)Total
2026$3.5M$3.5M

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

  1. Jun 29, 2026Raised $3.5 million in a private offering of equity19 Form D: 9 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Winch Advisory Services, LLC1,000$9.5K0.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How EWSB Bancorp, Inc. /MD/ is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAREWSB Bancorp, Inc. /MD/1
  • CIK0002013792
  • Employer ID (EIN)33-28997383
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inMaryland3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address109 West Second Street, Kaukauna, WI 024921
  • Phone(920) 766-46461
  • Shares outstanding1,014,220 as of Aug 12, 20267
  • Public float$4.7M as of Jun 30, 20253
  • AuditorPlante & Moran, PLLC, Cleveland, Ohio PCAOB ID 166; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceMar 11, 20241
  • Filings81 in all: 8-K (14), 3 (11), 10-Q (7), CORRESP (7), 4 (6), S-1/A (5), 4/A (4), 424B3 (3)1
    All 23 form types

    SCHEDULE 13D (3), UPLOAD (3), 10-K (2), DEF 14A (2), EFFECT (2), SC 13D (2), SCHEDULE 13D/A (2), 8-A12G (1), D (1), D/A (1), POS AM (1), S-1 (1), SC 13G (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Mar 25, 2026
    Quarterly report (10-Q) Aug 12, 2026
    Proxy statement (DEF 14A) Apr 28, 2026
    Latest 8-K (8-K) Jul 20, 2026

Securities registered for trading

ClassSymbolExchange
Common StockEWSB

From the cover page of the 10-K filed Mar 25, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

Legal proceedings

Among other things, the activities of the Bank, including with respect to disclosures about and implementation of numerous consumer products, are subject to various laws and numerous regulations, including those related to unfair or deceptive acts or practices. If the Bank is found to have violated one or more consumer protection laws, it may be required to pay restitution to certain affected customers in connection with certain of these practices. In addition, as a result of the extensive regulation, supervision and examination of our business described elsewhere in this prospectus, we are also involved, from time to time, in other reviews, investigations and proceedings (both formal and informal) by governmental agencies regarding our business, certain of which may result in adverse judgments, settlements, fines, penalties, public or private censure, increased costs, required remediation, restriction on business activities or other impacts on us.

We are not involved in any pending legal proceedings as a plaintiff or defendant other than routine legal proceedings occurring in the ordinary course of business, and at December 31, 2025, we were not involved in any legal proceedings, the outcome of which would be material to our financial condition or results of operations.

The opening of Item 3, Legal Proceedings.3

Sources

The numbers on this page point here. Each one links to the record it came from.

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    SEC EDGAROther events
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