secwatch.observer — SEC 8-K summary
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Issuer:     Winchester Bancorp, Inc./MD/ (WSBK)
CIK:        0002047235
Form:       8-K
Filed at:   2026-07-30T11:42:59+00:00
Accession:  0001193125-26-324928
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 5.03, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2047235/000119312526324928/0001193125-26-324928-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2047235/000119312526324928/wsbk-20260730.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-324928

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer