---
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"
generated_at: "2026-05-15T02:25:07.291595+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/2047235/000119312526191386/0001193125-26-191386-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/wsbk-20260429.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-191386
- JSON: https://secwatch.observer/filing/0001193125-26-191386.json
- Plain text: https://secwatch.observer/filing/0001193125-26-191386.txt

## Key facts
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/0001193125-26-191386-index.htm
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/0001193125-26-191386-index.htm

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