---
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"
generated_at: "2026-05-17T23:15:15.166874+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Winchester Bancorp reports net loss of $874k for FY2025 due to $2.3M charitable foundation contribution

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-100224
- JSON: https://secwatch.observer/filing/0000950170-25-100224.json
- Plain text: https://secwatch.observer/filing/0000950170-25-100224.txt

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