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 director Merritt Edward J reported an indirect open-market purchase of common stock. On May 26, 2026, an IRA associated with him bought 915 shares of Winchester Bancorp, Inc. at $12.76 per share. Following this transaction, he indirectly holds 20,915 common shares through the IRA.
Winchester Bancorp, Inc. President & CEO John A. Carroll reported an open-market purchase of 50 shares of common stock at $12.75 per share on May 21, 2026. The shares are held indirectly by his spouse as custodian for their child.
The filing also shows indirect holdings of 560 shares through an ESOP and 25,000 shares through a trust, plus 25,000 shares held directly, with a footnote stating some transactions reflected are not required Section 16 reports.
Winchester Bancorp, Inc. reported net income of $1.1 million for the three months ended March 31, 2026, up from $305,000 a year earlier, with basic and diluted earnings of $0.13 per share. For the nine-month period, net income rose to $3.2 million from $46,000.
Total assets increased to $1.06 billion from $949.4 million, driven by loan growth and higher investment securities. Loans reached $843.5 million, led by multi-family and residential real estate lending, while deposits grew to $783.7 million, supported by strong money market and municipal balances.
Net interest income improved to $6.3 million for the quarter as the net interest margin expanded to 2.54% from 2.02%, helped by higher loan yields and lower funding costs. Asset quality remained stable, with an allowance for credit losses on loans of $4.5 million, or 0.54% of total loans, and the Bank’s community bank leverage ratio at 10.00%.
Winchester Bancorp director John Ingalls Snow III bought additional stock in the bank. On May 7, 2026, he made open-market purchases of 1,725 shares of Winchester Bancorp common stock at prices of $12.77 and $12.79 per share. After these transactions, his directly held stake rose to 19,735 shares. He also reports indirect holdings of 2,500 shares held by a company and 200 shares held by a child.
Winchester Bancorp director John Ingalls Snow III reported a mix of share purchases and gifts of company stock. On May 5, 2026, he made an open-market purchase of 6,110 shares of common stock at $12.87 per share, increasing his direct holdings to 18,610 shares. He also made bona fide gifts totaling 800 shares, including 600 shares from his direct holdings and 200 shares held indirectly for a child. Indirect holdings reported include 2,500 shares held "By Company" and 200 shares held "By Child".
Winchester Bancorp director Stephen Harry Boodakian reported an indirect open-market purchase of common stock. On May 1, 2026, he bought 2,500 shares of Winchester Bancorp, Inc. common stock at an average price of $12.9299 per share through an IRA.
After this transaction, he indirectly holds 2,500 shares via the IRA and 7,500 shares of common stock held indirectly by a trust, according to the filing. These entries reflect his reported beneficial ownership across different indirect accounts.
Winchester Bancorp, Inc. reported much stronger third quarter 2026 results, with net income of $1.1 million, or $0.13 per share, up from $305,000 a year earlier. For the nine months ended March 31, 2026, net income rose to $3.2 million from $46,000.
Growth was driven by higher net interest income of $6.3 million, a 44.0% increase, and a net interest margin that expanded by 52 basis points to 2.54%. Loans grew to $840.5 million, up 11.9% since June 30, 2025, while deposits reached $783.7 million, up 15.4%, largely from municipal customers.
Profitability metrics improved, with return on average assets at 0.44% versus 0.14% and the efficiency ratio improving to 72.7% from 92.5%. Asset quality remained solid, with non-performing assets of $1.7 million, or 0.16% of total assets, and an allowance for credit losses of $4.5 million, or 0.54% of total loans. The company also announced a new branch in Wakefield, MA.
Winchester Bancorp, Inc. reported stronger results for the quarter ended December 31, 2025, as loan growth and lower funding costs lifted profitability. Quarterly net income rose to $1.1 million from $373,000 a year earlier, and six‑month net income improved to $2.0 million from a loss of $259,000.
Total assets reached $1.02 billion, up 7.0% from June 30, 2025, driven by higher loans and securities. Loans grew to $803.1 million, with notable increases in multi‑family, residential real estate, construction and commercial real estate lending. Deposits rose 9.9% to $746.3 million, led by municipal money market balances, allowing modest Federal Home Loan Bank advance reductions.
Net interest income increased as interest and dividend income climbed 18.2% while total interest expense declined slightly, expanding the net interest margin to 2.51% from 1.92%. The allowance for credit losses on loans was $4.4 million, or 0.55% of total loans, with higher provisions reflecting portfolio growth and a partial construction loan charge‑off.
Credit quality showed more non‑accrual and past‑due balances but remained manageable in dollar terms. Regulatory capital stayed solid, with the bank’s community bank leverage ratio at 10.17%, above the 9% threshold required to satisfy applicable capital standards.
Winchester Bancorp, Inc., the holding company for Winchester Savings Bank, filed a current report to note that it has released financial results for the quarter ended December 31, 2025. The company issued a press release on January 28, 2026, and attached it as an exhibit for investors who want more detail.
The report clarifies that the press release is provided as supplemental information and is not treated as a formally filed document under certain securities law sections.
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.