{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-25-000173","form_type":"8-K","ticker":"WSBK","cik":"0002047235","company_name":"Winchester Bancorp, Inc./MD/","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.775051+00:00","generated_at":"2026-05-23T02:47:32.209276+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Winchester Bancorp Q3 net income $305K vs $192K YoY; credit loss benefit of $21K vs provision $1.4M","bullets":["Net income for Q3 FY2025 (three months ended March 31, 2025) was $305K, up from $192K in Q3 FY2024.","Nine-month net income fell to $46K from $678K year-over-year.","Benefit for credit losses of $21K vs provision of $1.4M in prior-year quarter, signaling improved credit quality.","Total assets grew to $923.1M from $853.0M at June 30, 2024; loans net of reserves increased to $727.7M.","Total surplus rose to $80.9M from $80.3M at fiscal year-end."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-25-000173","json":"https://secwatch.observer/filing/0000943374-25-000173.json","markdown":"https://secwatch.observer/filing/0000943374-25-000173.md","text":"https://secwatch.observer/filing/0000943374-25-000173.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2047235/000094337425000173/0000943374-25-000173-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2047235/000094337425000173/form8k_043025-earnings.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:47:32.209276+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}