{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-246729","form_type":"8-K","ticker":"WSBK","cik":"0002047235","company_name":"Winchester Bancorp, Inc./MD/","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.458761+00:00","generated_at":"2026-05-17T02:51:55.354796+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Winchester Bancorp posts Q1 net income of $962K vs prior quarter loss of $920K","bullets":["Net income $962K ($0.11 EPS) vs prior quarter net loss $920K ($0.10 loss per share).","Loans grew $42.0M (5.6%) and deposits increased $37.2M (5.5%) during the quarter.","Net interest margin expanded to 2.49% from 1.84% year-over-year.","Provision for credit loss decreased $1M due to methodology change to DCF model.","Asset quality stable: ACL 0.55% of loans, NPAs 0.24% of total assets ($1.9M)."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-246729","json":"https://secwatch.observer/filing/0001193125-25-246729.json","markdown":"https://secwatch.observer/filing/0001193125-25-246729.md","text":"https://secwatch.observer/filing/0001193125-25-246729.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2047235/000119312525246729/0001193125-25-246729-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2047235/000119312525246729/wsbk-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:51:55.354796+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"}