secwatch.observer — SEC 8-K summary
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Issuer:     Winchester Bancorp, Inc./MD/ (WSBK)
CIK:        0002047235
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0001193125-26-027185
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2047235/000119312526027185/0001193125-26-027185-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2047235/000119312526027185/wsbk-20260128.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-027185

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