secwatch.observer — SEC 8-K summary
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Issuer:     Winchester Bancorp, Inc./MD/ (WSBK)
CIK:        0002047235
Form:       8-K
Filed at:   2025-10-22T23:59:59+00:00
Accession:  0001193125-25-246729
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Winchester Bancorp posts Q1 net income of $962K vs prior quarter loss of $920K
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- 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).

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2047235/000119312525246729/0001193125-25-246729-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2047235/000119312525246729/wsbk-20251022.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-246729

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer