WSBK on Nasdaq

Winchester Bancorp, Inc./MD/

Winchester Bancorp, Inc./MD/ is an American savings institutions company, incorporated in Maryland.1 Its shares trade on Nasdaq under the symbol WSBK.1

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Last updated Oct 20, 2026.

Overview

$4.4MNet income, fiscal 20262

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  • TickerWSBK on Nasdaq1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersWinchester, Massachusetts1
  • Incorporated inMD3
  • Business address661 Main Street, Winchester, Ma 018903
  • Filer category, Emerging growth company3

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

3.7%Return on equity2

Financial statements

Net income42$4.4M in 2026+462% since 2024
-$2.0M0$2.0M$4.0M$6.0M2024: $786.0K$786.0K20242025: -$874.0K-$874.0K20252026: $4.4M$4.4M2026

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2026-06-302025-06-30
Interest and fees on loans$43.8M$37.5M
Interest and dividends on securities$4.7M$3.1M
Interest on federal funds sold and other interest-bearing deposits$1.9M$2.1M
Total interest and dividend income$50.4M$42.7M
Interest on deposits$19.8M$19.1M
Interest on Federal Home Loan Bank advances$5.6M$6.1M
Total interest expense$25.4M$25.2M
Net interest income$25.0M$17.5M
Provision for credit losses$789.0K$2.1M
Net interest income, after provision for credit losses$24.2M$15.5M
Customer service fees$773.0K$728.0K
Income on bank owned life insurance$472.0K$466.0K
Loss on available for sale securities, net-$317.0K
Gain (loss) on marketable equity securities, net$374.0K
Gain on sale of loans$8.0K
Miscellaneous$332.0K$224.0K
Total non-interest income$1.3M$1.8M
Salaries and employee benefits$11.7M$9.7M
Occupancy and equipment, net$1.8M$1.6M
Data processing$1.7M$1.4M
Deposit insurance$715.0K$848.0K
Marketing and advertising$734.0K$462.0K
Net periodic pension and post retirement benefit, less service costs-$697.0K-$73.0K
Other general and administrative$3.7M$4.9M
Total non-interest expense$19.8M$18.8M
Income (loss) before income taxes$5.7M-$1.5M
Provision (benefit) for income taxes$1.3M-$656.0K
Net income (loss)$4.4M-$874.0K
Average common shares outstanding, basic9.0M shares9.0M shares
Average common shares outstanding, diluted9.0M shares9.0M shares
Net income (loss) per share, basic$0.49-$0.10
Net income (loss) per share, diluted$0.49-$0.10

Compare Winchester Bancorp, Inc./MD/ with another company

Corporate structure

Winchester Bancorp, Inc./MD/ sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Winchester Bancorp, Inc./MD/

  • Bancorp Mhc Winchester Filed SCHEDULE 13D on Winchester Bancorp, Inc./MD/, latest May 14, 2025
  • Winchester Bancorp, Inc./MD/ Winchester, Massachusetts

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Winchester Bancorp, Inc./MD/ reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$14.9M2 Jun 30, 2026$14.7M2 Jun 30, 2025+0.8%
Accumulated depreciation$9.3M2 Jun 30, 2026$8.3M2 Jun 30, 2025+11.4%
Property and equipment, net$5.6M2 Jun 30, 2026$6.4M2 Jun 30, 2025−12.9%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$60.0M2 Jun 30, 2026$55.2M2 Jun 30, 2025+8.7%
Marketable securities, current$02 Jun 30, 2026$04 Jun 30, 2025
Debt securities available for sale$68.8M2 Jun 30, 2026$47.3M2 Jun 30, 2025+45.4%
Debt securities held to maturity$56.2M2 Jun 30, 2026$57.2M2 Jun 30, 2025−1.7%
Deposits held (banks)$809.2M2 Jun 30, 2026$679.2M2 Jun 30, 2025+19.1%

Properties, in its own words

The Bank operates from its main office in Winchester, Massachusetts and four full-service branch offices in eastern Massachusetts, located in Arlington, Danvers and Woburn. As of June 30, 2026, the net book value of our real properties, including land buildings and building improvements, was $5.6 million.

Item 2 of the 10-K filed Sep 16, 2026.8

Leadership

Who has led Winchester Bancorp, Inc./MD/, and when. Pick a name to see everywhere that person has worked.

Chief financial officer

  1. Elda Heller2025–now
Board members and other officers (11)

Timeline

  1. Sep 30, 20268-K Other events21
  2. Jul 30, 20268-K Results of operations; Bylaws or fiscal year changed22
  3. Apr 29, 20268-K Results of operations23
  4. Jan 28, 20268-K Results of operations24
  5. Nov 13, 20258-K Shareholder vote25
  6. Oct 22, 20258-K Results of operations26
  7. Sep 17, 20258-K Other events27
  8. Jul 30, 20258-K Results of operations28
  9. May 6, 20258-K Other events29
  10. Apr 30, 20258-K Other events30
  11. Apr 30, 20258-K Results of operations31
  12. Mar 21, 20258-K Other events32

Calendar

Coming up

  1. Around Oct 30, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 30, 2026Reported quarterly or annual results22
  2. Apr 29, 2026Reported quarterly or annual results23
  3. Jan 28, 2026Reported quarterly or annual results24
  4. Oct 22, 2025Reported quarterly or annual results26
  5. Jul 30, 2025Reported quarterly or annual results28
  6. Apr 30, 2025Reported quarterly or annual results31

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

63 filings to the SEC since October 2021: 2 annual reports, 5 quarterly reports, 14 major events, 25 insider forms, 1 large holders, 16 other. The latest 20:

  1. Sep 30, 20268-K EDGAR
  2. Sep 28, 2026DEF 14A EDGAR
  3. Sep 28, 2026ARS EDGAR
  4. Sep 16, 202610-K EDGAR
  5. Jul 30, 20268-K EDGAR
  6. May 27, 20264 EDGAR
  7. May 22, 20264 EDGAR
  8. May 13, 202610-Q EDGAR
  9. May 8, 20264 EDGAR
  10. May 6, 20264 EDGAR
  11. May 5, 20264 EDGAR
  12. Apr 29, 20268-K EDGAR
  13. Feb 11, 202610-Q EDGAR
  14. Jan 28, 20268-K EDGAR
  15. Nov 13, 20258-K EDGAR
  16. Nov 12, 202510-Q EDGAR
  17. Oct 22, 20258-K EDGAR
  18. Oct 10, 2025ARS EDGAR
  19. Oct 10, 2025DEF 14A EDGAR
  20. Sep 17, 20258-K EDGAR

The 63 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

10 open-market trades by officers, directors and large owners since October 2021: 10 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
May 26, 2026Merritt Edward JDirectorBuy915$12.76$11.7KForm 4
May 21, 2026Carroll John APresident & CEOBuy50$12.75$638Form 4
May 7, 2026Snow John Ingalls IIIDirectorBuy1,725$12.79$22.1KForm 4
May 5, 2026Snow John Ingalls IIIDirectorBuy6,110$12.87$78.6KForm 4
May 1, 2026Boodakian Stephen HarryDirectorBuy2,500$12.93$32.3KForm 4
Jun 10, 2025Hood William PrestonDirectorBuy1,050$9.21$9.7KForm 4
May 14, 2025Hood William PrestonDirectorBuy5,000$9.58$47.9KForm 4
May 8, 2025Hood William PrestonDirectorBuy10,000$9.65$96.5KForm 4
May 7, 2025Hood William PrestonDirectorBuy10,000$9.68$96.8KForm 4
May 5, 2025Carroll John APresident & CEOBuy25,000$9.77$244.2KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

  • Bancorp Mhc WinchesterSCHEDULE 13D, 1 filing May 14, 202533

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2026John A. CarrollPresident and Chief Executive Officer$459.5K$870.3K34
2026Elda HellerExecutive Vice President, Chief Operating Officer, Chief Financial Officer and Treasurer$287.2K$482.3K34
2026Paul V. CheremkaSenior Vice President, Senior Lender$231.6K$314.3K34
2025John A. CarrollPresident and Chief Executive Officer$423.8K$699.6K34
2025Elda HellerExecutive Vice President, Chief Operating Officer, Chief Financial Officer and Treasurer$266.1K$386.0K34
2025Paul V. CheremkaSenior Vice President, Senior Lender$212.1K$249.9K34

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Mangrove Partners Im, LLC186,201$2.4M0.2%No change
Vanguard Capital Management LLC178,941$2.4M0.0%−2,572
Integrated Wealth Concepts LLC82,000$1.1M0.0%+25,000
Northstar Financial Companies, Inc.70,000$919.8K0.6%No change
Oppenheimer & Close, LLC50,000$657.0K0.4%No change
Renaissance Technologies LLC31,400$412.6K0.0%+400
Geode Capital Management, LLC29,037$381.8K0.0%+15,117
Alliancebernstein L.P.24,656$313.1K0.0%No change
Vanguard Fiduciary Trust Co22,708$298.4K0.0%+146
Raymond James Financial Inc20,000$262.8K0.0%No change
Steward Partners Investment Advisory, LLC19,127$251.3K0.0%No change
EagleClaw Capital Managment, LLC16,000$210.2K0.0%No change
LPL Financial LLC15,500$203.7K0.0%No change
BlackRock, Inc.14,202$186.6K0.0%New
RFG - Bristol Wealth Advisors, LLC10,158$133.5K0.0%New
Sachetta, LLC8,000$105.1K0.1%New
Eastern Bank4,000$52.6K0.0%+1,500
Royal Bank Of Canada2,000$26.0K0.0%New
Tower Research Capital LLC (TRC)157$2.1K0.0%−137
UBS Group AG18$2370.0%−111
Osaic Holdings, Inc.16$2100.0%New

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Winchester Bancorp, Inc./MD/ is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARWinchester Bancorp, Inc./MD/1
  • CIK0002047235
  • Employer ID (EIN)33-33612758
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company8
  • Incorporated inMaryland8
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address661 Main Street, Winchester, MA 018901
  • Phone(781) 729-21301
  • Shares outstanding9,295,376 shares as of Sep 10, 20268
  • Public float$37.6M as of Dec 31, 20258
  • AuditorWolf & Company, Boston, Massachusetts PCAOB ID 392; no auditor attestation of internal control over financial reporting8
  • On EDGAR sinceDec 12, 20241
  • Filings63 in all: 3 (16), 8-K (14), 4 (9), 10-Q (5), CORRESP (3), 10-K (2), 424B3 (2), ARS (2)1
    All 16 form types

    DEF 14A (2), S-1/A (2), 8-A12B (1), CERT (1), EFFECT (1), S-1 (1), SCHEDULE 13D (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Sep 16, 2026
    Quarterly report (10-Q) May 13, 2026
    Proxy statement (DEF 14A) Sep 28, 2026
    Latest 8-K (8-K) Sep 30, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 per shareWSBKNASDAQ

From the cover page of the 10-K filed Sep 16, 2026 (Section 12(b) of the Exchange Act).8

Risk factors and legal proceedings

The risks Winchester Bancorp, Inc./MD/ names in Item 1A of its 10-K filed Sep 16, 2026: 38 risks under these headings, as written.8

  • Risks Related to our Business
  • Risks Related to our Lending Activities
  • Our portfolios of commercial real estate and multi-family real estate loans have increased in recent periods, and we intend to continue originating these types of loans. These loans involve credit risks that could adversely affect our financial condition and results of operations.
  • Our construction loans involve credit risks that could adversely affect our financial condition and results of operations.
  • Our emphasis on real estate loans exposes us to lending risks.
  • The geographic concentration of our loan portfolio and lending activities makes us vulnerable to a downturn in our local market area.
  • If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings could decrease.
  • Uncertainties associated with increased originations of commercial real estate, construction and multi-family loans may result in errors in judging collectability, which may lead to additional provisions for credit losses or charge-offs, which would negatively affect our operations.
  • The level of our commercial real estate and multi-family real estate loan portfolio may subject us to additional regulatory scrutiny.
  • The foreclosure process may adversely impact our recoveries on non-performing loans
  • We are subject to environmental liability risk associated with lending activities or properties we own.
  • Risks Related to Market Interest Rates
The other 29 risks
  • Future changes in interest rates could negatively affect our operating results and asset values.
  • Risks Related to our Business Strategy
  • Our business strategy includes loan growth, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively. Growing our operations could also cause our expenses to increase faster than our revenues.
  • Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed.
  • We depend on our management team and other key personnel to implement our business strategy and execute successful operations and we could be harmed by the loss of their services or the inability to hire additional personnel.
  • Risks Related to Competitive Matters
  • Strong competition within our market areas may limit our growth and profitability.
  • Risks Related to Laws and Regulations
  • Changes in laws and regulations and the cost of regulatory compliance with new laws and regulations may adversely affect our operations and/or increase our costs of operations.
  • Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
  • We are subject to stringent capital requirements, which may adversely impact our return on equity, require us to raise additional capital, or limit our ability to pay dividends or repurchase shares.
  • The Federal Reserve Board may require us to commit capital resources to support the Bank, and we may not have sufficient access to such capital resources.
  • We are an emerging growth company, and our decision to comply only with certain reduced reporting and disclosure requirements applicable to emerging growth companies could make our common stock less attractive to investors.
  • We qualify as a smaller reporting company, and our decision to comply only with certain reduced reporting and disclosure requirements applicable to smaller reporting companies could make our common stock less attractive to investors.
  • Risks Related to Economic Conditions
  • Inflation can have an adverse impact on our business and on our customers.
  • Changes to trade policies and tariffs can have an adverse impact on our business and our customers.
  • Risks Related to Operational Matters
  • Our funding sources may prove insufficient to replace deposits at maturity and support our growth. A lack of liquidity could adversely affect our financial condition and results of operations and result in regulatory limits being placed on us.
  • We hold a relatively large level of certificates of deposit, which has and may continue to significantly increase our cost of funds.
  • We face significant operational risks because of our reliance on technology. Our information technology systems may be subject to failure, interruption or security breaches.
  • We rely on third-party vendors, which could expose us to additional cybersecurity risks.
  • We may be subject to risks and losses resulting from fraudulent activities that could adversely impact our financial performance and results of operations.
  • We had a defined pension benefit plan for the benefit of a portion of our employees that was terminated effective February 1, 2026. We could incur an expense in connection with the termination, which could negatively affect our income in the upcoming year.
  • Risks Related to Accounting Matters
  • Our financial statements are based in part on estimates and assumptions, which, if wrong, could cause unexpected losses in the future.
  • Changes in accounting standards could affect reported earnings.
  • Other Risks Related to Our Business
  • Legal and regulatory proceedings and related matters could adversely affect us.
  • We are a community bank and our ability to maintain our reputation is critical to the success of our business, and the failure to do so may materially adversely affect our performance.
  • Severe weather, natural disasters and other external events could significantly affect our operations and results.
  • If our deposits grow too large, we may lose the benefits of excess deposit insurance provided by the MA DIF.
  • Our articles of incorporation provide that, subject to limited exceptions, state and federal courts in Maryland are the sole and exclusive forum for certain stockholder litigation matters, which could limit our stockholders’ ability to obtain a favorable judicial forum for disputes with us or our directors, officers, and other employees.
  • Various factors may make takeover attempts more difficult to achieve.
  • Risks Related to Our Organizational Structure
  • Our stockholders own a minority of our common stock and will not be able to exercise voting control over most matters put to a vote of stockholders.
  • If we declare dividends on our common stock, Winchester Bancorp, MHC will be prohibited from waiving the receipt of dividends.

Legal proceedings

From time to time, the Company and Bank may be party to various claims and lawsuits arising in the ordinary course of the normal business activities. Although the ultimate outcome of these suits, if any, cannot be ascertained at this time, it is in the opinion of management that none of these matters, even if it resolved adversely to the Bank, will have a material adverse effect on the Company's consolidated financial position. The Company is not currently party to any material pending legal proceedings.

The opening of Item 3, Legal Proceedings.8

Sources

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    SEC EDGAROther events
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