财务数据关键指标变化 - 公司持有2.832亿美元存款证明，占总存款的41.7%[236] - 公司从联邦住房贷款银行获得1.47亿美元预付款，另有1.002亿美元可用借款额度[235] - 公司通过美联储BIC计划获得6700万美元担保信贷额度[235] - 公司持有530万美元未使用的联邦住房贷款银行信贷额度[235] 资本与监管要求 - 当前社区银行杠杆率最低要求为9%[220] - 截至2025年6月30日资本充足率超过所有监管要求[220] - 未来可能需要筹集额外资本但资本可得性存在不确定性[211] - 存款保险基金可能要求公司减少超额存款或增加资本贡献[253] 业务运营风险 - 公司贷款增长策略可能导致费用增速超过收入增速[210] - 通胀环境导致运营成本上升及客户还款能力下降[229] - 贸易政策变化可能导致贷款拖欠率和信贷损失增加[231] - 流动性管理依赖波士顿联邦住房贷款银行预付款等外部融资渠道[232] - 公司面临因技术系统故障或安全漏洞导致的财务损失风险[238][239] - 第三方供应商服务中断可能影响公司业务运营和财务状况[241][242] - 法律诉讼可能带来重大成本和管理资源分散[248][249] - 气候变化相关法规可能导致客户信用worthiness下降或抵押品价值减少[250] 公司治理与股权结构 - 任何个人未经美联储和麻省银行专员事先批准不得收购超过10%公司普通股[256] - 任何个人或实体收购银行控股公司控制权前必须通知美联储[256] - 银行控股公司收购超过5%任何银行投票权股份需获得美联储事先批准[256] - 公司章程禁止任何个人行使超过10%流通普通股的投票权[257] - 公众股东仅持有少数股权无法对多数股东表决事项行使控制权[258] - Winchester Bancorp MHC持有公司多数普通股并控制大部分表决事项[258] - 合并或二次转换交易需获得持有多数流通投票股的Winchester Bancorp MHC批准[259] - 实施股权激励计划需要Winchester Bancorp MHC以外的股东单独批准[260] - 公司支付股息时必须向Winchester Bancorp MHC支付除非监管机构允许放弃[261] - 麻州银行业法规禁止Winchester Bancorp MHC放弃股息除非银行专员不反对且不影响银行安全运营[261] 申报与合规状态 - 作为新兴成长公司年度总收入阈值上限为12.35亿美元[224] - 成为大型加速申报者需满足非关联方持有股市值超7亿美元[224] - 较小规模申报公司需满足年收入低于1亿美元或公众持股市值低于2.5亿美元[227] 其他财务影响事项 - 养老金计划冻结可能产生终止费用，影响终止年度收益[245]

Exhibit 99.1 Announces Results for the Year Ended June 30, 2025 Investor Contact John A. Carroll President and Chief Executive Officer IR@WinchesterSavings.com (781) 729-2130 WINCHESTER, MA, July 30, 2025 - Winchester Bancorp, Inc. (NASDAQ-WSBK) (the "Company"), the holding company for Winchester Savings Bank (the "Bank"), today announced its 2025 financial results. As described in the prospectus for its initial public offering ("IPO"), concurrent with the completion of its reorganization and stock offering ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 333-283752 WINCHESTER BANCORP, INC. (Exact Name of Registrant as Specified in its Charter) | Maryland | 33-3361 ...

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) (State or Other Jurisdiction of Incorporation) Maryland 333-283752 33-3361275 (Commission File No.) (I.R.S. Employer ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 333-283752 WINCHESTER BANCORP, INC. (Exact Name of Registrant as Specified in its Charter) | | Trading | | | ...