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AI brief of an SEC Form 8-K · Winchester Bancorp, Inc./MD/ (WSBK)

Winchester Bancorp Q3 net income rises to $1.3 million, or $0.14 per share

Positive Impact 3 of 5 earnings Written later

Winchester Bancorp reported net income of $1.3 million, or $0.14 per share, for the quarter ended September 30, 2026, up from $962,000 a year earlier and $1.2 million in the prior quarter. The quarter is the first of the six-month transition period ending December 31, 2026, after the company changed its fiscal year end from June 30. Net interest income rose 25.2% and deposits grew $53.4 million, while stockholders' equity fell slightly due to higher unrealized losses on securities.

Key points

  • Net income was $1.3 million ($0.14 per share), compared with $962,000 ($0.11 per share) for the quarter ended September 30, 2025, and $1.2 million for the quarter ended June 30, 2026.
  • Net interest income was $7.2 million, up $1.4 million, or 25.2%, and net interest margin was 2.67% versus 2.49% a year earlier.
  • Non-interest expense rose 17.1% to $5.6 million, and total deposits reached $862.7 million, up $53.4 million, or 6.6%, since June 30, 2026.
  • Stockholders' equity was $119.6 million, down $886,000, or 0.7%, from June 30, 2026, due to a $2.2 million increase in comprehensive loss.

The filing

CompanyWinchester Bancorp, Inc./MD/ (WSBK)
Form8-K, current report
Filed with the SECOct 28, 2026, 4:01 PM ET
Accession number0001193125-26-436113

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 11:46 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 28, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.