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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., the holding company for Winchester Savings Bank, furnished an 8-K to report that it issued a press release with financial results for the quarter ended September 30, 2025. The press release, dated October 22, 2025, is included as Exhibit 99.1 to this report.
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. filed a current report to inform investors about the timing of its next shareholder gathering. The company announced that its annual meeting of stockholders will be held on November 12, 2025. This is a routine corporate governance event where stockholders typically vote on board members and other matters, although specific agenda items are not described in this document.
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.