Every 10-Q that Winchester Bancorp, Inc. (WSBK) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. 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, 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 (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.