Winchester Bancorp, Inc./MD/ (WSBK) Company Report

Net income for the quarter ended December 31, 2025, was $1.1 million, or $0.12 per common share, representing a 187.9% increase compared to $373,000 in the prior year quarter.
Total assets reached $1.02 billion as of December 31, 2025, an increase of 7.0% from June 30, 2025, driven by deposit growth of $67.1 million (9.9%) and net loan growth of $48.9 million (6.5%).
Net interest income for the quarter ended December 31, 2025, increased by 50.4% to $6.1 million, and the net interest margin expanded by 59 basis points to 2.51% compared to the prior year quarter.
Non-performing assets totaled $3.6 million, or 0.36% of total assets, as of December 31, 2025, an increase of $1.7 million from September 30, 2025, primarily due to one construction loan.

Jan 28, 2026, 8:57 PM

Winchester Bancorp, Inc. Announces Q1 2026 Financial Results

WSBK

Earnings

Revenue Acceleration/Inflection

Accounting Changes

Winchester Bancorp, Inc. reported net income of $962 thousand or $0.11 per common share for the quarter ended September 30, 2025, a significant improvement from a net loss of ($920 thousand) or ($0.10) per common share in the prior quarter, which included a $2.3 million contribution to the Winchester Savings Bank Charitable Foundation.
Total assets increased by $55.8 million, or 5.9%, to $1.05 billion as of September 30, 2025, compared to June 30, 2025. This growth was driven by increases in net loans of $42.0 million (5.6%) and deposits of $37.2 million (5.5%) during the quarter.
Net interest income increased by $393 thousand, or 7.3%, to $5.7 million for the quarter ended September 30, 2025, compared to the prior quarter.

Oct 22, 2025, 7:57 PM

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