Winchester Bancorp (WSBK) risk factors

Item 1A of every Winchester Bancorp, Inc. 10-K on file, and what changed from one year to the next.

FY2026 10-K risk factors
41 risks, 4 new, 7 dropped, 16 reworded since the prior year. New risks add local concentration consequences, pension termination costs, accounting-estimate uncertainty, and future capital-rule effects.
Filed Sep 15, 2026
FY2025 10-K risk factors
44 risks. Commercial real estate and multi-family real estate loans totaled $269.0 million, representing 35.7% of the total loan portfolio at June 30, 2025. Construction loans totaled $95.9 million, or 12.7% of the total loan portfolio, at June 30, 2025. Certificates of deposit totaled $283.2 million, or 41.7% of total deposits, at June 30, 2025.
Filed Sep 17, 2025