Winchester Bancorp Q3 net income $1.1M, up 275% YoY; NIM expands 52bps

Winchester Bancorp, Inc./MD/

2026-Q3 EPS reported $0.35

Net income $1.1M ($0.13/share) vs. $305k a year ago; nine-month net income $3.2M ($0.36/share).
Total assets $1.06B (+11.3% from June 2025); net loans $840.5M (+11.9%), deposits $783.7M (+15.4%).
Net interest margin expanded 52bps to 2.54%; efficiency ratio improved to 72.7% from 92.5%.
Municipal deposit channel drove $105.3M growth; new Wakefield, MA branch announced.
Non-performing assets 0.16% of total assets; allowance for credit losses 0.54% of gross loans.

item 2.02 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.98

Winchester Bancorp, Inc./MD/ reported the quarter ended March 31, 2026 results: net income $1.1 million, EPS $0.13 per common share.

Period: the quarter ended March 31, 2026
Net income: $1.1 million
EPS: $0.13 per common share
Result: reported results

Exact text from the filing

The Company reported net income of $1.1 million or $0.13 per common share compared to net income of $305,000 for the quarter ended March 31, 2025, an increase of $840,000, or 275.4%, in net income.

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Earnings Releases SEC 8-K Item 2.02 confidence 0.98

Winchester Bancorp, Inc./MD/ reported the nine months ended March 31, 2026 results: net income $3.2 million, EPS $0.36 per common share.

Period: the nine months ended March 31, 2026
Net income: $3.2 million
EPS: $0.36 per common share
Result: reported results

Exact text from the filing

For the nine months ended March 31, 2026, the Company reported net income of $3.2 million, or $0.36 per common share, as compared to net income of $46,000 for the nine months ended March 31, 2025, an increase of $3.1 million in net income.

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Source: SEC EDGAR

accession 0001193125-26-191386

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