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Winchester Bancorp (NASDAQ:WSBK) reported results for the quarter ended September 30, 2025. Net income was $962,000 (earnings per share $0.11) versus a loss of $920,000 in the prior quarter, driven by a $2.3 million prior-quarter charitable contribution. Total assets reached $1.05 billion. Net loans rose $42.0 million and deposits increased $37.2 million, including a $38.9 million increase in municipal deposits. Net interest income was $5.7 million (NIM 2.49%, +65 bps YoY). Provision for credit losses declined and asset quality remained strong with ACL at $4.4 million (0.55%).
Winchester Bancorp (NASDAQ:WSBK) reported its financial results for the year ended June 30, 2025, marking a significant transition with its recent IPO. The company recorded a net loss of $874,000, compared to a net income of $786,000 in 2024, primarily due to a one-time charitable foundation donation.
Key financial metrics include: Total assets increased 11.3% to $949.4 million, net loans grew 10.2% to $751.2 million, and deposits rose 6.9% to $679.2 million. The company's net interest income improved by 21.9% to $17.5 million, with net interest margin expanding to 2.05%. Shareholders' equity increased 43.7% to $115.4 million, boosted by $37.8 million in net stock offering proceeds.
Winchester Bancorp has successfully completed its initial public offering (IPO) as part of its mutual holding company reorganization. The company sold 3,997,012 shares of common stock, including 334,633 shares to the Employee Stock Ownership Plan. Trading will begin on Nasdaq Capital Market under the symbol "WSBK" on May 2, 2025.
The transaction resulted in a total of 9,295,376 shares outstanding, with 5,112,457 shares issued to Winchester Bancorp MHC and 185,907 shares to Winchester Savings Bank Charitable Foundation. All valid stock orders from subscription and community offerings were fulfilled according to purchase limitations outlined in the February 11, 2025 Prospectus.
Raymond James & Associates served as marketing agent, while Luse Gorman acted as legal counsel. DRS Book-Entry statements and interest checks will be mailed by Continental Stock Transfer & Trust Company around May 2, 2025.
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