Winchester Bancorp, Inc./MD/ (WSBK) SEC Filings, Jul-Sep 2025

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.