---
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"
generated_at: "2026-05-16T07:09:53.839428+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Winchester Bancorp Q2 net income surges 187.9% to $1.1M; margin expands to 2.51%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-027185
- JSON: https://secwatch.observer/filing/0001193125-26-027185.json
- Plain text: https://secwatch.observer/filing/0001193125-26-027185.txt

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