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Winchester Bancorp, Inc., holding company for Winchester Savings Bank, reported net income of $4.4 million, or $0.49 per common share, for the year ended June 30, 2026, compared with a net loss of $874,000 a year earlier. Operating net income for 2025 was $750,000 (non-GAAP), highlighting a strong year-over-year improvement. Net interest income rose to $25.0 million, as net interest margin expanded to 2.55% from 2.05%, while the non-GAAP efficiency ratio improved to 75.2%.
Balance sheet growth was broad-based. Total assets reached $1.10 billion, up 15.4%. Net loans increased to $870.8 million, up $119.6 million or 15.9%, led by residential and multifamily portfolios. Deposits grew to $809.2 million, up $130.1 million or 19.1%, driven by municipal deposits. Asset quality remained solid: non-performing assets were $1.6 million, or 0.15% of total assets, and the allowance for credit losses on loans was $4.8 million, or 0.55% of total loans.
The board approved a change in fiscal year end from June 30 to December 31. The company plans a transition Form 10-K for the six-month period July 1 to December 31, 2026, a Form 10-Q for the quarter ending September 30, 2026, and has amended its bylaws to reflect the new fiscal year.
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.