{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-027185","form_type":"8-K","ticker":"WSBK","cik":"0002047235","company_name":"Winchester Bancorp, Inc./MD/","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.113432+00:00","generated_at":"2026-05-16T07:09:53.839428+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Winchester Bancorp Q2 net income surges 187.9% to $1.1M; margin expands to 2.51%","bullets":["Net income of $1.1M ($0.12 diluted EPS) vs $373k in Q2 2024; six-month net income $2.0M ($0.23).","Net interest income rose 50.4% to $6.1M; net interest margin expanded 59 bps to 2.51%.","Total assets $1.02B, up 7% from June 2025; deposits grew $67.1M (9.9%) driven by municipal channel.","Net loans increased $48.9M (6.5%), led by multifamily (+$24.4M); non-performing assets rose to $3.6M.","Asset quality remains strong with allowance of 0.55% of gross loans, net charge-offs $310k for Q2."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-027185","json":"https://secwatch.observer/filing/0001193125-26-027185.json","markdown":"https://secwatch.observer/filing/0001193125-26-027185.md","text":"https://secwatch.observer/filing/0001193125-26-027185.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2047235/000119312526027185/0001193125-26-027185-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2047235/000119312526027185/wsbk-20260128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:09:53.839428+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"}