{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-191386","form_type":"8-K","ticker":"WSBK","cik":"0002047235","company_name":"Winchester Bancorp, Inc./MD/","filed_at":"2026-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.444496+00:00","generated_at":"2026-05-15T02:25:07.291595+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 Q3 net income $1.1M, up 275% YoY; NIM expands 52bps","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-191386","json":"https://secwatch.observer/filing/0001193125-26-191386.json","markdown":"https://secwatch.observer/filing/0001193125-26-191386.md","text":"https://secwatch.observer/filing/0001193125-26-191386.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/0001193125-26-191386-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/wsbk-20260429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T02:25:07.291595+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":[{"claim_id":"0a8de291dcf5c828e11ace674fbf51eb02a787f0","claim":"Winchester Bancorp, Inc./MD/ reported the quarter ended March 31, 2026 results: net income $1.1 million, EPS $0.13 per common share.","evidence_excerpt":"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.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/0001193125-26-191386-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$1.1 million"},{"label":"EPS","value":"$0.13 per common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"c98cf15f25d3f13ede65213654537d9db3fc7f53","claim":"Winchester Bancorp, Inc./MD/ reported the nine months ended March 31, 2026 results: net income $3.2 million, EPS $0.36 per common share.","evidence_excerpt":"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.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/0001193125-26-191386-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended March 31, 2026"},{"label":"Net income","value":"$3.2 million"},{"label":"EPS","value":"$0.36 per common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}