secwatch.observer — SEC 8-K summary
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Issuer:     Winchester Bancorp, Inc./MD/ (WSBK)
CIK:        0002047235
Form:       8-K
Filed at:   2025-07-30T23:59:59+00:00
Accession:  0000950170-25-100224
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2047235/000095017025100224/0000950170-25-100224-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2047235/000095017025100224/wsbk-20250730.htm
  HTML page:      https://secwatch.observer/filing/0000950170-25-100224

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