---
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"
generated_at: "2026-05-23T02:47:32.209276+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Winchester Bancorp Q3 net income $305K vs $192K YoY; credit loss benefit of $21K vs provision $1.4M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-25-000173
- JSON: https://secwatch.observer/filing/0000943374-25-000173.json
- Plain text: https://secwatch.observer/filing/0000943374-25-000173.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.