{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-100224","form_type":"8-K","ticker":"WSBK","cik":"0002047235","company_name":"Winchester Bancorp, Inc./MD/","filed_at":"2025-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.904223+00:00","generated_at":"2026-05-17T23:15:15.166874+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Winchester Bancorp reports net loss of $874k for FY2025 due to $2.3M charitable foundation contribution","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-100224","json":"https://secwatch.observer/filing/0000950170-25-100224.json","markdown":"https://secwatch.observer/filing/0000950170-25-100224.md","text":"https://secwatch.observer/filing/0000950170-25-100224.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2047235/000095017025100224/0000950170-25-100224-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2047235/000095017025100224/wsbk-20250730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:15:15.166874+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"}