Winchester Bancorp Inc(WSBK) - 2025 Q3 - Quarterly Results

Filing Information Registrant Details Provides official identification and contact information for Winchester Bancorp, Inc., the entity filing this Form 8-K - Registrant: WINCHESTER BANCORP, INC.[1] - Address: 661 Main Street, Winchester, Massachusetts 01890[1] - Telephone: (781) 729-2130[1] Filing Status Filed on April 30, 2025, the Form 8-K classifies Winchester Bancorp, Inc. as an emerging growth company - Date of Report: April 30, 2025[1] - Registrant is an emerging growth company[3] Results of Operations and Financial Condition Net Income and Credit Losses Winchester Savings Bank's net income rose for three months ended March 31, 2025, due to credit loss benefit, but fell for nine months Net Income Comparison (Winchester Savings Bank) | Period Ended March 31 | 2025 Net Income | 2024 Net Income | Change (YoY) | | :-------------------- | :-------------- | :-------------- | :----------- | | Three Months | $305,000 | $192,000 | +$113,000 | | Nine Months | $46,000 | $678,000 | -$632,000 | Credit Loss Benefit/Provision (Three Months Ended March 31) | Period Ended March 31 | 2025 | 2024 | | :-------------------- | :------------------ | :---------------------- | | Credit Losses | Benefit of $21,000 | Provision of $1.4 million | Balance Sheet Highlights Winchester Savings Bank's balance sheet as of March 31, 2025, shows growth in total assets, net loans, and total surplus Key Financial Condition Metrics | Metric | March 31, 2025 | June 30, 2024 | Change | | :---------------------- | :------------- | :------------ | :------------- | | Total Assets | $923.1 million | $853.0 million | +$70.1 million | | Loans, net of allowance | $727.7 million | $682.0 million | +$45.7 million | | Total Surplus | $80.9 million | $80.3 million | +$0.6 million | Upcoming Filings Detailed financial information for the quarter ended March 31, 2025, will be available in the upcoming Form 10-Q - Additional information will be provided in the Quarterly Report on Form 10-Q for the Quarterly Period Ended March 31, 2025[5] Exhibits and Signatures Financial Statements and Exhibits Item 9.01, covering Financial Statements and Exhibits, is explicitly marked as 'Not applicable' for this Form 8-K filing - Item 9.01 Financial Statements and Exhibits: Not applicable[6] Signatures John A. Carroll, President and CEO of Winchester Bancorp, Inc., signed the report on April 30, 2025, in compliance with the Securities Exchange Act - Report signed on April 30, 2025, by John A. Carroll, President and Chief Executive Officer of Winchester Bancorp, Inc.[10]