On this page of StockholderLetter.com we present the latest annual shareholder letter from Winchester Bancorp, Inc./MD/ — ticker symbol WSBK. Reading current and past WSBK letters to shareholders can bring important insights into the investment thesis.
ANNUAL REPORT JUNE 30, 2026
To Our Stockholders Fiscal year 2026 was a landmark year for Winchester Savings Bank, marked by significant growth and the continued dedication of our team. None of it would have been possible without the confidence our customers place in us and the energy our employees bring to serving them every day. That combination of customer loyalty and employee commitment remains at the heart of everything we do, and it is what continues to set Winchester Savings Bank apart. Fiscal year 2026 delivered some of the strongest financial results in our bank s history, even as the broader economic environment remained unpredictable. Our total assets grew by 15.4% yearover-year, driven by a steady increase in both deposits and loans. Our loan portfolio expanded by 15.9% and deposit growth reached 19.1%. Delivering that kind of growth while maintaining the level of service our customers expect took disciplined execution across every part of the bank, and I want to recognize our employees for making it happen. In April, members of our Board of Directors and executive team had the opportunity to celebrate the completion of our first year as a public company by ringing the Nasdaq Closing Bell. Winchester Bancorp, Inc. is traded on Nasdaq under the symbol WSBK. Deborah A. Carson, Chair of the Board, and John A. Carroll, President and Chief Executive O icer In fiscal year 2026, the Winchester Savings Bank Charitable Foundation, Inc. completed its first full year of grantmaking, awarding more than $60,000 to fourteen local charitable organizations supporting education, health and human services, youth programs, and a ordable housing. The Foundation reflects our enduring commitment to the communities we serve, and we look forward to expanding its impact in the years ahead. In early October, we look forward to opening our sixth branch o ice in downtown Wakefield. The new o ice will extend our reach to consumers and businesses in a community well suited to our relationship-driven approach to banking, and we will continue seeking out the right locations to grow our footprint further. Our customers choose their bank with care, and we are grateful for the trust they place in us. Deborah A. Carson, Chair of the Board, joins me in thanking you for your confidence in Winchester Savings Bank. As we look ahead, we remain focused on building on the momentum of fiscal year 2026 and continuing to deliver the results and service that give our customers, communities, and shareholders confidence in our future. Sincerely, John A. Carroll President and Chief Executive O icer
 • shareholder letter icon 9/28/2026 Letter Continued (Full PDF)
 • stockholder letter icon 10/10/2025 WSBK Stockholder Letter
 • stockholder letter icon More "Miscellaneous" Category Stockholder Letters
 • Benford's Law Stocks icon WSBK Benford's Law Stock Score = 87


WSBK Shareholder/Stockholder Letter Transcript:

ANNUAL
REPORT
JUNE 30, 2026


To Our Stockholders
Fiscal year 2026 was a landmark year for Winchester Savings Bank, marked by significant growth
and the continued dedication of our team. None of it would have been possible without the
confidence our customers place in us and the energy our employees bring to serving them every
day. That combination of customer loyalty and employee commitment remains at the heart of
everything we do, and it is what continues to set Winchester Savings Bank apart.
Fiscal year 2026 delivered some of the strongest financial results in our bank   s history, even as the
broader economic environment remained unpredictable. Our total assets grew by 15.4% yearover-year, driven by a steady increase in both deposits and loans. Our loan portfolio expanded by
15.9% and deposit growth reached 19.1%. Delivering that kind of growth while maintaining the
level of service our customers expect took
disciplined execution across every part of the
bank, and I want to recognize our employees for
making it happen.
In April, members of our Board of Directors and
executive team had the opportunity to celebrate
the completion of our first year as a public
company by ringing the Nasdaq Closing Bell.
Winchester Bancorp, Inc. is traded on Nasdaq
under the symbol    WSBK.   
Deborah A. Carson, Chair of the Board, and John
A. Carroll, President and Chief Executive O  icer
In fiscal year 2026, the Winchester Savings Bank
Charitable Foundation, Inc. completed its first
full year of grantmaking, awarding more than $60,000 to fourteen local charitable organizations
supporting education, health and human services, youth programs, and a  ordable housing. The
Foundation reflects our enduring commitment to the communities we serve, and we look forward
to expanding its impact in the years ahead.
In early October, we look forward to opening our sixth branch o  ice in downtown Wakefield. The
new o  ice will extend our reach to consumers and businesses in a community well suited to our
relationship-driven approach to banking, and we will continue seeking out the right locations to
grow our footprint further.
Our customers choose their bank with care, and we are grateful for the trust they place in us.
Deborah A. Carson, Chair of the Board, joins me in thanking you for your confidence in Winchester
Savings Bank. As we look ahead, we remain focused on building on the momentum of fiscal year
2026 and continuing to deliver the results and service that give our customers, communities, and
shareholders confidence in our future.
Sincerely,
John A. Carroll
President and Chief Executive O  icer


shareholder letter icon 9/28/2026 Letter Continued (Full PDF)
 

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