Winchester Bancorp, Inc./MD/
For the period ended Jun 30, 2026. Filed Sep 16, 2026.
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FY2026 · Filed Sep 16, 2026
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Item 15. Exhibits, Financial Statement Schedules
(a)
(1) Financial Statements
The following financial statements are included in Part II, Item 8 of this Form 10-K:
(b)
Report of Independent Registered Public Accounting Firm (Wolf & Company, Boston, Massachusetts (PCAOB ID: 392))
(c)
Consolidated Balance Sheets as of June 30, 2026 and 2025
(d)
Consolidated Statements of Operations for the years ended June 30, 2026 and 2025
(e)
Consolidated Statements of Comprehensive Income (Loss) for the years ended June 30, 2026 and 2025
(f)
Consolidated Statements of Stockholders' Equity for the years ended June 30, 2026 and 2025
(g)
Consolidated Statement of Cash Flows for the years ended June 30, 2026 and 2025
(h)
(i)
(1) Financial Statement Schedules
All financial statement schedules have been omitted as the required information is inapplicable or has been included in the Notes to Consolidated Financial Statements.
Exhibit Index
| ExhibitNumber | Description |
| 3.1 | Articles of Incorporation of Winchester Bancorp, Inc.(1) |
| 3.2 | Bylaws of Winchester Bancorp, Inc.(1) |
| 3.3 | Amendment to Bylaws(2) |
| 4.0 | Form of Common Stock Certificate of Winchester Bancorp, Inc.(1) |
| 4.1* | Description of Winchester Bancorp, Inc. Securities(3) |
| 10.1** | Employment Agreement, dated December 6, 2024, by and among Winchester Savings Bank, Winchester Bancorp, Inc. and John A. Carroll(1) |
| 10.2** | Employment Agreement, dated December 6, 2024, by and among Winchester Savings Bank, Winchester Bancorp, Inc. and Elda Heller(1) |
| 10.3** | Change in Control Agreement, dated December 6, 2024, by and among Winchester Savings Bank, Winchester Bancorp, Inc. and Paul Cheremka(1) |
| 10.4** | Amended and Restated Executive Deferred Compensation Agreement, dated January 1, 2025, by and between Winchester Savings Bank and John A. Carroll(1) |
| 10.5** | Amended and Restated Executive Deferred Compensation Agreement, dated January 1, 2025, by and between Winchester Savings Bank and Elda Heller(1) |
| 10.6** | Winchester Savings Bank Amended and Restated Endorsement Split Dollar Life Insurance Plan(1) |
| 10.7** | Winchester Savings Bank Annual Incentive Plan Effective 2025 Calendar Year |
| 19.1 | Winchester Bancorp, Inc. Policy Regarding Insider Trading |
| 21 | Subsidiaries of Winchester Bancorp, Inc.(1) |
| 31.1* | Certification of Principal Executive Officer Pursuant to Rules 13a-14(a) and 15d-14(a) under the Securities Exchange Act of 1934, as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. |
| 31.2* | Certification of Principal Financial Officer Pursuant to Rules 13a-14(a) and 15d-14(a) under the Securities Exchange Act of 1934, as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. |
| 32.1* | Certification of Principal Executive Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
| 32.2* | Certification of Principal Financial Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
| 97* | Clawback Policy of Winchester Bancorp, Inc.(1) |
| 101.INS | Inline XBRL Instance Document – the instance document does not appear in the Interactive Data File because XBRL tags are embedded within the Inline XBRL document. |
| 101.SCH | Inline XBRL Taxonomy Extension Schema With Embedded Linkbase Documents |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |
- Filed herewith.
** Management contract or compensatory plan or arrangement.
(1) Incorporated herein by reference to the Exhibits to the Registration Statement on Form S-1 (File No. 333-283752) as filed with the Securities and Exchange Commission on February 12, 2025.
(2) Incorporated herein by reference to the Exhibits to the Current Report on Form 8-K as filed with the Securities and Exchange Commission on July 30, 2026.
(3) Incorporated herein by reference to the Exhibits to the Annual Report on Form 10-K as filed with the Securities and Exchange Commission on September 17, 2025.
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