Here are the 10-K annual reports from Winchester Bancorp, Inc. (WSBK) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow WSBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full WSBK filings page.
Winchester Bancorp, Inc. (WSBK), the holding company for Winchester Savings Bank, reports a growing community bank franchise focused on real estate lending in eastern Massachusetts. Following its April 2025 mutual holding company reorganization, the company sold 3,997,012 shares at $10.00 per share and issued additional shares to its mutual holding company and charitable foundation.
At June 30, 2026, Winchester Bancorp had $1.1 billion in total assets, deposits of $809.2 million, and stockholders’ equity of $120.5 million. The company generated net income of $4.4 million for 2026, compared with a net loss of $874,000 in 2025, while total gross loans expanded to $873.8 million, heavily concentrated in residential, commercial, multifamily, and construction credits. Non‑accrual loans declined to $1.6 million, and the allowance for credit losses stood at $4.8 million, or 0.55% of total loans and 300.82% of nonperforming loans. Management highlights elevated concentrations in commercial and multifamily real estate, interest‑rate sensitivity, and a geographically concentrated Massachusetts footprint as key risk factors.
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.