{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-324928","form_type":"8-K","ticker":"WSBK","cik":"0002047235","company_name":"Winchester Bancorp, Inc./MD/","filed_at":"2026-07-30T11:42:59+00:00","discovered_at":"2026-07-30T11:45:00.304114+00:00","generated_at":"2026-07-30T11:45:05.015481+00:00","sec_items":["2.02","5.03","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Winchester Bancorp reports FY2026 net income $4.4M vs loss; fiscal year change to Dec 31","bullets":["Net income of $4.4M ($0.49 EPS) vs net loss of $874k in FY2025; adjusted net income up $3.7M.","Total assets grew 15.4% to $1.10B; loans up 15.9% to $870.8M; deposits up 19.1% to $809.2M.","Net interest margin expanded 50 bps to 2.55% from 2.05%; efficiency ratio improved to 75.2%.","Non-performing assets fell to 0.15% of total assets from 0.23%; net charge-offs $597k vs $1.4M.","Fiscal year changed from June 30 to Dec 31; transition report for July 1–Dec 31, 2026 to be filed."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-324928","json":"https://secwatch.observer/filing/0001193125-26-324928.json","markdown":"https://secwatch.observer/filing/0001193125-26-324928.md","text":"https://secwatch.observer/filing/0001193125-26-324928.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2047235/000119312526324928/0001193125-26-324928-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2047235/000119312526324928/wsbk-20260730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T11:45:05.015481+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}