---
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"
generated_at: "2026-07-30T11:45:05.015481+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Winchester Bancorp reports FY2026 net income $4.4M vs loss; fiscal year change to Dec 31

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 5.03, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-324928
- JSON: https://secwatch.observer/filing/0001193125-26-324928.json
- Plain text: https://secwatch.observer/filing/0001193125-26-324928.txt

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