Welcome to our dedicated page for Winchester Bancorp SEC filings (Ticker: WSBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Winchester Bancorp, Inc. (WSBK), the mid-tier holding company for Winchester Savings Bank. As a public company in the regional banking sector, Winchester Bancorp, Inc. files detailed reports that describe its financial condition, results of operations, capital structure and governance.
Key filings for this bank holding company include annual reports on Form 10-K and quarterly reports on Form 10-Q, which present information on net interest income, loan and deposit balances, investment securities, Federal Home Loan Bank advances, non-interest income and expenses, and asset quality measures such as the allowance for credit losses and non-performing assets. Current reports on Form 8-K disclose material events, such as press releases announcing quarterly and annual financial results or the scheduling of the annual meeting of stockholders.
Winchester Bancorp, Inc. also files proxy materials, such as the definitive proxy statement on Schedule 14A, which describe matters submitted to stockholders, including the election of directors and the ratification of the independent registered public accounting firm. These documents provide details on voting procedures, ownership limitations in the Articles of Incorporation, and beneficial ownership information for directors, executive officers and principal stockholders, including Winchester Bancorp, MHC.
Through Stock Titan, users can review these SEC filings with AI-powered summaries that explain key sections in plain language. Real-time updates from the EDGAR system ensure that new 10-K, 10-Q, 8-K and proxy filings are reflected promptly. Investors can also monitor insider-related information through forms that report security ownership and voting arrangements described in the proxy materials. This page is a useful starting point for understanding how Winchester Bancorp, Inc. reports its community banking activities, risk management and corporate governance to regulators and stockholders.
Winchester Bancorp, Inc. reported the results of its annual meeting held on November 12, 2025. Stockholders elected five directors to three-year terms, with each nominee receiving a clear majority of votes cast. There were 1,068,150 broker non-votes on the director elections.
Stockholders also ratified the appointment of Wolf & Company, P.C. as the independent registered public accounting firm for the fiscal year ending June 30, 2025, with 7,860,906 votes FOR, 115,672 AGAINST, and 1,005 ABSTAIN.
Winchester Bancorp (WSBK) reported first‑quarter results for the period ended September 30, 2025. Net income was $962,000 and basic and diluted EPS were $0.11, reversing a loss a year ago. Net interest income rose to $5.74 million as interest expense declined versus last year, and the company recorded a $320,000 benefit for credit losses compared with a provision in the prior period.
Total assets reached $1.01 billion, with loans at $796.2 million and deposits at $716.4 million. The allowance for credit losses on loans increased to $4.36 million following a methodology change to a discounted cash flow model, while the reserve for off‑balance sheet exposures was $391,000. Non‑interest income included a $317,000 loss on sales of available‑for‑sale securities. Non‑interest expenses were $4.80 million, reflecting higher compensation and operating costs.
The bank reported a community bank leverage ratio of 10.52%. The company executed a fair value hedge with a $9.83 million notional interest rate swap during the quarter.
Winchester Bancorp, Inc. provides its definitive proxy materials describing board composition, director nomination standards, committee oversight and certain compensation and audit disclosures. The filing specifies there were 9,295,376 shares outstanding as of September 30, 2025 and lists shareholdings for several individuals and trusts. The Board emphasizes a majority-independent composition, periodic independent director meetings, and annual CEO performance evaluations by independent directors.
The proxy outlines the Board's candidate criteria: relevant financial, regulatory and banking experience; familiarity with the local market and community participation; integrity and independence; limits on concurrent public company directorships; and other factors including diversity and audit committee expertise. It also summarizes required nomination submission content and notes the audit committee's review of audited consolidated financial statements and auditor independence communications.
Winchester Bancorp, Inc. (WSBK) filed a 10-K presenting consolidated financial statements and disclosures for the years ended June 30, 2025 and 2024. The filing shows 9,295,376 shares issued and outstanding following a reorganization that generated gross proceeds of $39,970,000 from a subscription of 3,997,012 shares at $10.00 per share. Management reports one reportable operating segment and states no impairment recognized on specified assets. At June 30, 2025 the bank had FHLB borrowings recorded of $2,469,000 and held a $67.0 million Federal Reserve BIC line of credit with no outstanding borrowings. No cybersecurity incident materially affecting the Company was identified during the year. The filing discloses a deferred tax-related amount of $1,093,000 not provided because the reserve is intended only to absorb loan losses. Other disclosures include pension/post-retirement expense, employee plan costs ($183,000 in 2025), allowance policies, loan grading categories, and that no allowance for credit losses was established on available-for-sale or held-to-maturity securities for 2025 and 2024.
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