EWSB — what changed in the latest 10-Q
A section-by-section comparison of EWSB's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-12 vs the prior 10-Q · 2026-05-11
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +36 | −14 | ~23 | 50 |
| Controls & procedures | Text added/removed | 0 | 0 | ~2 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Market risk (Item 3), Risk factors
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-12
●changes in the economic assumptions and methodology used the calculate the ACL;
●the imposition of tariffs or other domestic or international governmental policies, trade restrictions and retaliatory measures impacting our borrowers and the broader economy;
●the impact of a debt ceiling impasses or fiscal uncertianlty;
●the failure to maintain current technologies and/or successfully implement future information technology enhancements and the operation risks associated with the adoption of artificial intelligence and other emerging technologies;
●risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors;
Text removed vs the prior filing · source: 10-Q · 2026-05-11
●our ability to comply with the confidential memorandum of understanding (“MOU”) with the Wisconsin Department of Financial Institutions (the “Department”) and the Federal Deposit Insurance Corporation (the “FDIC”);
●a failure or breach of our operational or security systems or infrastructure, including cyberattacks;
Deposits. Total deposits increased $1.8 million or 0.8% to $219.0 million at March 31, 2026, from $217.2 million at December 31, 2025. Non-interest bearing deposits decreased $99,000, or 1.3%, to $7.6 million at March 31, 2026, compared to $7.7 million at December 31, 2025. Total interest-bearing de…
(1)Net deferred fee income included in interest earned on loans totaled $86,000 for the three months ended March 31, 2026 and $81,000 for the three months ended March 31, 2025.
Net Income/(Loss). We recorded a net loss of $365,000 for the three months ended March 31, 2026, compared to a net loss of $569,000 for the three months ended March 31, 2025, a decrease in loss of $204,000 year-over-year. The change in year-over-year performance resulted primarily from a $215,000 in…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice