UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): April 30, 2025

WINCHESTER BANCORP, INC.
(Exact Name of Registrant as Specified in Charter)

Maryland
333-283752
33-3361275
(State or Other Jurisdiction
of Incorporation)
(Commission File No.)
(I.R.S. Employer
Identification No.)

661 Main Street, Winchester, Massachusetts
01890
(Address of Principal Executive Offices)
(Zip Code)

Registrant’s telephone number, including area code: (781) 729-2130

Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
   

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
   

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
   
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class
 
Trading
Symbol(s)
 
Name of each exchange on which registered
None
   None
   NONE

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 2.02 Results of Operations and Financial Condition
For the three and nine months ended March 31, 2025, Winchester Savings Bank had net income of $305,000 and $46,000, respectively, compared to $192,000 and $678,000 for the three and nine months ended March 31, 2024, respectively.  The benefit for credit losses was $21,000 for the three months ended March 31, 2025, compared to a provision of $1.4 million for the three months ended March 31, 2024.  Total assets increased to $923.1 million at March 31, 2025 compared to $853.0 million at June 30, 2024.  Loans, net of the allowance for credit losses, increased to $727.7 million at March 31, 2025 compared to $682.0 million at June 30, 2024.  Total surplus increased to $80.9 million at March 31, 2025 compared to $80.3 million at June 30, 2024.

Additional information will be provided in the Quarterly Report on Form 10-Q for the Quarterly Period Ended March 31, 2025, to be filed by Winchester Bancorp, Inc. with the Securities and Exchange Commission.

Item 9.01 Financial Statements and Exhibits
Not applicable.


SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

   
WINCHESTER BANCORP, INC.
     
     
DATE: April 30, 2025
By:  
 /s/ John A. Carroll
   
John A. Carroll
   
President and Chief Executive Officer