earnings
confidence high
sentiment neutral
materiality 0.60
Winchester Bancorp reports net loss of $874k for FY2025 due to $2.3M charitable foundation contribution
Winchester Bancorp, Inc./MD/
2025-FY EPS reported
-$0.09
- Net loss of $874k (GAAP) vs net income of $786k prior year; non-GAAP net income ex-foundation charge was $750k.
- Total assets grew 11.3% to $949.4M; net loans up 10.2% to $751.2M; deposits up 6.9% to $679.2M.
- Net interest income rose 21.9% to $17.5M; net interest margin expanded 15 bps to 2.05%.
- Non-interest expense increased 26.2% to $18.8M, including $2.3M foundation-related expense.
- Provision for credit losses was $2.1M (vs $514k); net charge-offs of $1.4M; non-performing assets 0.23% of total assets.