---
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"
generated_at: "2026-05-17T02:51:55.354796+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Winchester Bancorp posts Q1 net income of $962K vs prior quarter loss of $920K

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-246729
- JSON: https://secwatch.observer/filing/0001193125-25-246729.json
- Plain text: https://secwatch.observer/filing/0001193125-25-246729.txt

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