secwatch.observer — SEC 8-K summary
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Issuer:     Winchester Bancorp, Inc./MD/ (WSBK)
CIK:        0002047235
Form:       8-K
Filed at:   2026-04-29T23:59:59+00:00
Accession:  0001193125-26-191386
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/0001193125-26-191386-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2047235/000119312526191386/wsbk-20260429.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-191386

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